SUMMARY

• 8+ Years Professional Experience as Business Analyst wif strong knowledge in Banking, Retail Banking and Finance.
• Strong knowledge of Software Development Life Cycle (SDLC) models (Agile, SCRUM, Waterfall, Spiral Model), Iterative Models (RUP - Rational Unified Process).
• Extensive experience in interacting wif customers and Subject Matter Experts (SME) to gather and document business requirements across multiple business process areas.
• Strong experience in coordinating Joint Application Development (JAD) sessions and interviews.
• Extensive experience in documenting Business Requirement Documents (BRD), Functional Requirement Documents (FRD), User Manuals, Unified Modeling Language (UML) diagrams (Use Case, Use Case Stories, and Diagrams, Activity Diagrams, and Sequence Diagrams), and validation of Requirements.
• Exceptional Analytical skills to understand the business process and functionality, requirements and translate them to system requirement specifications.
• Experienced in conducting GAP Analysis, Cost benefit analysis and ROI analysis.
• Experienced in Finance industry, Credit Card, Investment Banking (GL, Personal Accounts, Check payment, ATM, Fraud - AML) and Mortgage industries.
• Strong Understanding of different mortgage instruments like Mortgage Backed Securities MBS, Collateralized Mortgage Obligations CMO, Asset Backed Securities ABS, including the tranche structuring and credit enhancement processes to manage prepayment and credit risk.
• Knowledge in the different banking systems, financial modeling, financial statement analysis, operations and the guiding compliance and regulations that support finance and/or core banking functions.
• Strong understanding of Credit Loans, Auto Loans, Commercial Loans, Home Loans, Investment banking.
• Good knowledge of different financial services includes commercial banking, middle-market lending, asset-based lending, leasing, cash management and trade finance.
• Experience in Commercial Lending Systems like Loan IQ. Familiarity wif Consumer Lending Processes.
• Expertise in diverse retail banking sectors including lending, deposits, payments, cards, trade finance, treasury, KYC, AML, payment system.
• Good experience on Online Banking, Retail Banking, E-Commerce, Online Transaction Processing and Electronic Fund Transfer.
• Experienced working in projects including Credit cards/Gift cards test, Enterprise Payment Foundation, IWM (Integrated Workforce Management)
• Excellent knowledge in Corporate Finance, Wealth Management, Derivative products such as Options and Futures, Swaps and Swap Options involving Credit and Interest rate and other OTC
• Extensive knowledge in Automated Clearing House (ACH), Bank Clearing System, Electronic Funds Transfer (EFL), and SWIFT. General understanding of Accounting process including general ledger and account reconciliation.
• Sound knowledge wif investment banking regulatory reporting regulations like Basel II Accord.
• Experienced in Cards Payment processing and Retail Banking operations like Customer Relationship Management (CRM) and Enterprise Teller (ET).
• Good knowledge of identifying various test scenarios. Holds strong ability to handle multiple tasks and prioritize it. Proficient in creating Use Case diagrams, Sequence Diagrams, Activity Diagrams and Class Diagrams.
• Expert in Business Process Modeling, Data Flow Modeling, Workflow Analysis, Use Case Analysis, ER Diagrams, GAP analysis, User Acceptance Testing (UAT), SWOT analysis, Cost benefit analysis and ROI analysis.
• Assisted Scrum Master in facilitating time boxed Agile Scrum Ceremonies: Daily Scrum Call, Sprint Planning, Sprint Review, Sprint Retrospective and Scrum Events: Backlog Grooming, Story-Point Estimation.
• Managed Scrum Artefacts, Product Backlog, Sprint Backlog, Iterative Product Increment and Burn-down Chart.
• Expertise in developing test documents likes Test Plans, Decomposition of requirements, Test Procedures Creating Test Cases, defect tracking using tool such as test director.
• Tracked (RTM) Requirement Traceability Matrix wif multiple test cases to ensure Product Quality.
• Proficient in the use of Visual Studio, MS Visio, MS Word, MS PowerPoint, MS Excel, as well as MS Project.
• Excellent communication, presentation, project management skills, a very good team player and self-starter wif ability to work independently and as part of a team.
• Experienced in performing RTM Test Matrix and GAP analysis to check the compatibility of the existing system infrastructure wif new business requirements.
• Experienced in preparing and documenting User Acceptance Test (UAT) plan and obtaining the necessary signoffs from the concerned business units.

PROFESSIONAL EXPERIENCE

Confidential, Chester, NJ

Sr. Business Analyst

Responsibilities:

• Created Interface test cases, report test cases, expected results validation, defect tracking using clear quest, version control using Clear Case VOB.
• Used SQL queries for organizing and abstracting data from MS access databases, created reports, forms on Ms Access.
• Involved wif the following product: Stocks, Fixed Income, Mortgage Backed Securities (e.g. CMOs, Pass Through), Bonds and Bond Trading Cycle, Bond Pricing, (Options and Futures) Liaison between the business users and technical team.
• Responsible for gathering user requirements and specifications for designing a mortgage based loan system using and documenting the same.
• Involved in gathering the requirement wif the SMEs to get the maximum information about the work-stream including Mortgage Servicing, Loan Monitoring, and Asset Management.
• Captured requirements for monthly SL to GL postings, calculating GL beginning and ending balances. Domain point
• Captured Data flow diagrams and formatting of the data flowing through interfaces.
• Owned the entire reporting process. Interacted wif the ETL team, developer(s), management, and account holders to get the requirements, document them, design templates, and write specifications.
• Conducted JAD sessions wif management, SME, vendors, users and other stakeholders for open and pending issues.
• Conducted a comprehensive use case analysis to determine key abstractions such as loan underwriting, loan-closed, borrowers-info, mortgage-payments etc, and their mapping to the standard analysis mechanism to enable maximum reuse.
• Incorporated Rational Unified Process (RUP) to create Business Requirement Document Specifications using MS Visio and MS Word.
• Assistedexcel models to derive the amortization schedule for Whole loan products and Mortgage Backed Securities.
• Performed requirements gathering from the business users of the system while adhering to SDLC (Software Development Life Cycle) industry best practices.
• Planned and defined system requirements to Wire Frames wif Use Case, Use Case Scenario and Use Case Narrative using the UML (Unified Modeling Language) methodologies.
• Designed the business requirement collection approach based on the project scope and SDLC methodology.
• Used MS Visio for Process modeling, Process mapping and Business Process flow diagrams.
• Facilitated user acceptance testing and test strategies wif Information Systems Group.
• Performed manual front-end testing to check all functionalities of different modules.
• Wrote test cases and test scripts for the User Acceptance Testing (UAT).
• Developed strategies wif Quality Assurance group to implement Test Cases in Mercury Test Director for stress testing and UAT (User Acceptance Testing.
• Reviewed the data model and reporting requirements for Cognos Reports wif the Data warehouse/ETL and Reporting team.
• Involved in Test Planning, Test Preparation, Test Execution, Issue Resolution and Report Generation to assure that all aspects of a Project are in Compliance wif the Business Requirements.
• Performed job of contact point for all stakeholders (business, legal, compliance, development).
• Trained the future users to coordinate their activities vis-à-vis CORD system rather than ARW.
• Assisted the SA to document all custom and system modification after the SCR’s were satisfactorily solved.
• Created and managed project templates, use case project templates, requirement types and traceability relationships in RequisitePro and managed the concurrence of the parties involved wif respect to the evaluation criterion.

Confidential - Tampa, FL

Business Analyst

Responsibilities:

• Gatheird requirements from business users and analyzed them using Rational Requisitepro
• Prepared and analyzed AS IS and TO BE in the existing architecture and performed Gap Analysis
• Documented functional specifications to automate the loan approval process for home Mortgage (online application, workflow - for the credit department, upon approval the system routes the application to the underwriters for review)
• Acquired in-depth knowledge of the banking industry (Mortgage, Assets, and Accounts Receivables/Accounts Payables etc.)
• Gatheird business requirements through interviews, surveys, and observing from account managers and UI (User Interface) of the existing Brokerage Portal system
• Participated in the UAT for Broker/Dealer conversion for integration using Mercury Test Director
• Designed and developed Use Cases, Activity Diagrams, Sequence Diagrams, Data Flow Diagrams, Object- oriented Design (OOD) using Rational Rose according to the UML methodology
• Developed use cases/diagrams, conceptual model, behavior diagrams (sequence, collaboration, state chart, Activity), using MS Visio
• Involved in testing all the data elements in Mortgage Account Inquiry Service, which is called to obtain Mortgage loan data from MSP.
• Worked on mapping of MSP Web services to Enterprise Interface Partners and coordinated wif FIS on MSP
• Sketched diagrams of proposed and existing systems using Visio.
• Implemented the entire Agile Methodology of application development wif its various workflows, artifacts, and activities
• Acted as a liaison between business users and system development team during development process
• Implemented a suitable Change Management process and supported the existing banking solution upgrade by coordinating multiple projects
• Conducted user interviews, gatheird requirements, analyzed the requirements by using Rational Rose, Visio and Requisite pro
• Supported IT & Risk Management in Business Continuity Planning for Item Processing department
• Developed and maintained the project plan using MS Project
• Conducted interviews wif clients for the purpose of gathering product requirements and understanding the client workflow
• Created a RACI matrix based on the organization standards for ongoing operations and issue resolution procedures
• Gained thorough understanding of Cash Management, Liquidity Positions and Liquidity Ratios
• Worked wif the Quality Assurance team to create Test Plan and Test Cases and conduct unit, integration, and system testing
• Tracked changes using Rational ClearQuest
• Assisted QA lead in developing quality procedures and ensuring that appropriate documentation is in place
• Conducted User Acceptance Testing (UAT)
• Participated in developing of Training Materials for the new technology and User Training
• Worked TEMPeffectively wif Project Manager in handling the whole project

Confidential, Jacksonville, FL

Business Analyst

Responsibilities:

• Designed the business requirement collection approach based on the project scope and SDLC methodology.
• Conducted meeting sessions wif committee of SMEs from various business areas including Loan Monitoring and Marketing.
• Excellent Knowledge of Customer Segmentation, Portfolio Analysis/Mgmt, FDR processes and FICO Score generation.
• Conducted interviews wif key business users to collect requirement and business process information.
• Conducted a budget planning of the project through walkthroughs and meetings involving various leads from Development, QA and Technical Support teams.
• Analyze business requirements and segregated them into Use Cases and activity diagrams using Rational Rose according to UML methodology thus defining the Data Process Models.
• Analyzed and translated business requirements into system specifications utilizing UML.
• Co-ordinate wif documenting processes used agile methodology to write the Business Requirements documents and designed Functional specifications.
• Created Project Initiation Document (PID) and defined the scope for an over-arching Basel II Readiness project, to encompass all other Basel II projects wifin the enterprise.
• Collaborated wif Basel II team on credit risk analysis and issue resolution.
• Communicated the implementation of the new calculation framework of Risk Weight Asset under Basel II.
• Reviewed business requirements document for ACH (automatic clearing house) through interviews, surveys, prototyping and observing from senior managers and UI (User Interface).
• Worked on various Online Banking projects like set up Check Payment, Browser variations, Keep the Change, Online Banking mail communication wif live customers, Authentication flow, Alert mails to Customers etc.
• Conduct training on Endure modules Front Office, Middle Office, Back Office & Operations for commodities trading, risk, supply &distribution and Treasury Management.
• Gatheird knowledge on Home Loans Point of Sale and Loan Origination system, Product guidelines - Conventional, FHA, VA, Underwriting guidelines, Interfaces like Ernst Fees, Fraud Guard, Flood, Mortgage Insurance, SDX, Wolters Kluwer (WKFS).
• Created requirements analysis and design phase artifacts using, MS Visio to create DFDs, ER diagrams, Use Case, Activity/State chart, Sequence, Collaboration and Deployment Diagrams.
• Successfully used Agile/Scrum Method for gathering requirements and facilitated user stories workshop.
• Documented User Stories and facilitated Story Point discussions to analyze the level of effort on project specifications.
• Involved throughout the development process and verifying adherence using the requirements Traceability Matrix (RTM).
• Created Data Stage jobs to extract, transform and load data into data warehouses from various sources like relational databases, application systems, temp tables, flat files etc.
• Created Use Case specifications, flow diagrams, for a clearer understanding of the business process wif possible alternate scenarios for the business team and the developer.
• Worked on queries database using SQL.
• Worked wif data quality governance teams to ensure each work-stream and project wifin the Basel II framework adhered to strict data quality and maintenance standards.
• Provided end user production support for Empower LOS trouble shooting issues and writing up defects (Underwriting Lead).
• Prepared Test plans which include an introduction, various test strategies, test schedules, QA team's role, test deliverables, etc.
• Worked wif development team and customized batch and real-time client interfaces supporting Money Transfer, Automated Clearing House (ACH) and credit card processing.
• Wrote User Acceptance Test Plan based on business users' requirements and reviewed Test Plan templates.
• Delivered and maintained extensive documentation for future extendibility of the system.

Confidential, Columbia, MD

Sr. Business Analyst

Responsibilities:

• Reviewed wire transactions and document customer account activity to identify unusual or suspicious activity for remediation and risk assessment to international business functional activities and their respective risks under One KYC Program/Banamex GAP Project.
• Prepared reference architecture to illustrate logical Service Orientation Architecture (SOA) layers, characteristics, and definitions for each layer.
• Assisted Bank is Disaster Recovery Exercises and make sure that everything goes well. The Bank is required to test Key applications on an annual base.
• Gatheird User and Business level Requirements for SMEs from various departments like Accounting/Finance and Information Systems and designed the business requirement collection approach based on the project scope using AGILE methodology.
• Gatheird functional requirements, analysed workflows, and created narrative Use Cases to develop new process workflows for the Wealth Management application.
• Researched and summarized new rules and regulations and documented applicable controls and potential gaps, specifically related to regulatory reform including liquidity and capital rules, various SOX, Dodd Frank requirements.
• Built a new KYC system to replace existing in-house built IBM WebSphere Portal Server based KYC application wif NICE system's Actimize CDD Solution, while ensuring no business process has been impacted during the transition.
• Analyzed the existing Wealth Management platform and provided recommendations to optimize the data flow.
• Conducted research, analysis and provide qualitative/quantitative insights to lead and direct projects and initiatives to meet the Firm's AML/KYC Standards.
• Created and maintained multiple vendor queries through the NICE Actimize recording systems and established and maintained macros that allowed data mining for each vendor's results.
• Work wif Relationship Managers to understand the client and to correctly assess the client's AML Risk Rating.
• Ensure all KYCs are done in timely fashion to prepare for go live dates given by Front Office, Record the status of each KYC request sent by sales on internal spreadsheet.
• TEMPEffectively collaborated wif senior compliance officers, AML colleagues, relationship managers, and other departments to ensure all facets of remediation project were completed on a timely basis.
• Enhanced existing relationship wif other banks by establishing account and FX lines relationship at unrepresented locations for hassle free funding of our Nostro accounts.
• Worked on Risk analysis, Securities (Stocks and corporate bonds) and their valuation, Portfolio Management (risks and returns) and analysis, Asset Allocations, Bond pricing, Financial Derivatives, Cash flows, financing structure, Capital Management, Stock Valuation, Amortization, etc.
• Performed AML functions on an on-going basis, including detection / reporting of suspicious transactions and activities; conduct reviews for the enhancement of the AML functions of the Bank, and perform AML risk assessment when required.
• Managed the Confirmation and Settlement, Investigations, and Reconciliation segments wif the FX Operations Department of an industry-leading financial institution.
• Implementing FATCA methodology for the Capital Markets business (Equities, Fixed Income, Derivatives) - Understand the implications of FATCA and Conduct current state analysis.
• Dealt wif the Society for Worldwide Interbank Financial Telecommunication (SWIFT) in creating the criteria for the auditing of the TQR and Q-Gate review processes.
• Worked as a liaison between the developers and the QA team in creating the Test Plan and Test Cases using Rational Test Manager. Generated test data and assisted QA team wif manual testing whenever possible.

Confidential - San Francisco, CA

Business Analyst

Responsibilities:

• Working wif clients to better understand their needs and present solutions using structured SDLC approach.
• Gatheird user and business requirements through open-ended discussions, brainstorming sessions and role-playing.
• Documented the user requirements Analyzed and prioritized them and converted them as system requirements that must be included while developing the software.
• Facilitated JAD sessions wif management, development team, users and other stakeholders to refine functional requirements.
• Created and managed project templates, use case templates, requirement types and tractability matrix in Requisite Pro.
• Involved in managing Risk program planning and resource allocation for CCAR Risk model, procedure, and governance development.
• Worked on Development and Support activities like Acquisition, Delivery, Crystallization, Synchronization, and Workflow etc., which involved creating new consolidation rules using formula engine language.
• Worked on enabling automated transfer by enhancing flexibility, and straight - through processing (STP) of payment initiation, clearing and settlement transactions using ACH, wires,
• Was part of a major team in application solutions for new product development i.e., Hedge Fund, Exchange Traded Funds, home loan portfolios Including administration, operations, compliance, and client facing analysis and reporting.
• Coordinated wif different agencies in tracking the progress of the software development and resolving the issues and worked wif the UI team to create the User Interface Mock-ups to be presented to the Business.
• Involved in the creating the User Interface Specification Document and User Training Manual as per project specification wif the help of development team.
• Enhanced procedures and controls throughout the accounting department, processing journal entries and performing accounting corrections to ensure accurate records.
• Created Activity Diagrams, Sequence Diagrams and ER Diagrams in MS Visio. Tracked change requests and monitored workload and schedule.
• Used Castor to create objects from XML documents. Involved in Logical & Physical Data Modeling.
• Authored progress and completion report which were then submitted to project management on a weekly basis in MS project.
• Created job schedules to automate the ETL process.
• Conducted JAD sessions wif management, SME, users and other stakeholders for open and pending issues.
• Using Shared Containers and creating reusable components for local and shared use in the ETL process.
• Helped wif data modeling and defining the conceptual and logical model of the data warehouse
• Identified various frequently used modules wifin the application as well as the peak user volume for load testing purposes.
• Utilized JIRA to communicate constantly changing functional and design requirements wif business users and developers.
• Analyzed the test results from QA teams using Performance Studio Analysis to create various scenarios.
• Involved in Test Planning, Test Preparation, Test Execution, Issue Resolution and Report Generation to assure that all aspects of a Project are in Compliance wif the Business Requirements.
• Comprehensive experience in writing Test Plans, Test Cases and Test Scripts.
• Collaborated wif Quality Assurance Analyst in manual testing.
• Helped in creating end user manuals and procedure manuals.