SUMMARY

• Around 8+ years of experience as Business Analyst in the field of Information Systems with emphasis on Business Analysis, Technical writing. Focused on banking and financial domain.
• Experience in conducting due diligence reviews on individual and business accounts and update KYC profiles in accordance with KYC requirements.
• Expertise in eliciting business requirements from business stakeholders and documenting them.
• Strong experience in processing knowledge of EFT payments processing through Automatic Clearing House ACH, Credit Cards, Check Processing, Third party payments and European payments knowledge.
• Experience in working on cutting edge technology projects such as Tokenization, NFC Payments and EMV Cards.
• Key area of expertise is focused on Business process re - engineering, Process modeling and optimization, SWIFT Messaging (both MT & MX Based), SWIFT GPI, Canonical message definitions, Data Migrations, Interface configurations, Dashboards and other large-scale integrations.
• In depth knowledge of the Software Development Life Cycle SDLC using Agile and other methodologies such as Rational Unified Process RUP and Waterfall.
• Experienced in Testing Database Applications in Oracle, TSYS, MS SQL Server and Access.
• Experience on funds transfer application including the messaging system like SWIFT and FIX protocol. CHIPS and Fedwire.
• Experience in AML tools such as Actimize and related topics knowledge and understanding of fixed-income trading, asset management and portfolio management applications and how they are impacted by the Bank Secrecy Act, USA PATRIOT Act, Dodd Frank Act, Anti-Money Laundering, OFAC and Customer Identification Program (KYC/CIP), Basel II compliance using industry standards and regulatory guidance, etc.
• Experience in Data Centric (analysis, validation), Data Validation, Data Modelling, Data Profiling, Data Verification, Data Mapping, Data Loading, Data Warehousing/ETL testing, BI Reports Testing, UAT, Test Cases, Use Cases, Test Scenarios, UML, Regression testing, Smoke Testing and coordinating with the UAT participants to get the change requirements.
• In depth knowledge in TSYS, Mainframe Applications, credit card authorization process and credit card application process.
• Efficient in documenting processes, preparing Business Requirement Documents (BRD) and analyzing Business Requirements.
• Extensive experience in Finance industry, Credit Card, Investment Banking (GL, Personal Accounts, Check payment, ATM, Fraud - AML) and Mortgage industries.
• Experience working with Subject Matter expertise in Fixed Income, Equities, Equity Trading Cycle, Portfolio Analysis, Bonds and Bond Trading Cycle, Bond Pricing, Derivatives, Portfolio Management and Wealth Management.
• Extensively used ETL methodology for supporting data extraction, transformations and loading processing, in a corporate-wide-ETL Solution using ETL tools like Informatica and Data Stage.
• Experience working on Automated Financial Systems platform (AFS) in fully integrated commercial lending system designed to process multiple types of loans on a single, real-time, multibank, multilingual, multicurrency system.
• Excellent analytical, technical, interpersonal, communication, CRM, listening, and technical writing skills.
• Strong experience in processing knowledge of EFT payments processing through Automatic Clearing House ACH, Credit Cards, Check Processing, Third party payments and European payments knowledge.
• Extensive experience in Finance industry, Credit Card, Investment Banking (GL, Personal Accounts, Check payment, ATM, Fraud - AML) and Mortgage industries.
• In-depth knowledge of Anti Money Laundering AML and Bank Secrecy Act BSA. Worked on Suspicious Activity Reporting SAR, OFAC reports, Currency Transaction Report CTR, Foreign Bank Financial Accounts FBAR and CMIR reports.
• Experience in writing SQL query for identifying databases involved in the application development.
• Created defect tracking using HP QC and JIRA and reviewed them in subsequent iterations of the application development process.
• Understanding of Dodd-Frank Act and the implications of its various key provisions like Volcker rule, Collins Amendment on bank's trading activities and capital requirements including Basel II, Basel III.
• Experience on migrating the bank's Profitability Reporting Facility system to Hyperion Essbase and Business Objects data warehouse platform.

PROFESSIONAL EXPERIENCE

Sr. Business Analyst

Confidential - New York, NY

Responsibilities:

• Interviewed business users to gather business requirements and created Business Requirements document (BRD).
• Worked on handling International and domestic Wires, Single ACH, Batch ACH, Tax payments, social security payments, Bank cheque payments, Customer check payments, SEPA Credit Transfer and direct debits.
• Analyzed the Payments traverse across all the middleware services, External Channels and integrating with end system. Validate the payments in middle ware applications during routing till it reaches the end system successfully.
• Worked on ATM Transaction Testing on a Tandem environment in ISO 8583 Message Format utilizing Paragon and Visa Card Test simulators for Banking Institutions.
• Worked on data extraction, analysis, refining, migration and loading of data into MDM database through ETL process.
• Worked with Portfolio managers of Asset/Wealth management group to gather requirements about performance measurement attributes of various assets class.
• Interviewed Business Users to gather Requirements and analyzed the feasibility of their needs by coordinating with the project manager and technical lead.
• Participated in design, coding, technical writing, testing, implementation, and documentation of solutions.
• Worked on Rational Unified Process (RUP) methodology, Use Cases, Software Development Life Cycle (SDLC) processes, Object Oriented Analysis and Design (OOA/D).
• Performed the AS-IS and TO-BE business process and developed the GAP Analysis to know where we stand.
• Worked with compliance team to monitor SWIFT messages MT100, MT101, MT102, MT103, MT 202.
• Gathered Business, Functional and Use Case Requirements for Automated Clearing House (ACH) outgoing transactions.
• Worked on the implementation of the enhancements to the Key link Feeds which input data to the central payments system from which SWIFT and Fedwire feeds are generated and sent to external banks.
• Reviewed the data model and reporting requirements for Cognos Reports with the Data warehouse/ETL and Reporting team.
• Performed financial and business analysis, cost-benefit and risk management in support of capital planning for investments.
• Worked with AML SME’s provided direction and guidance to employees on appropriate remediation action for high-risk accounts.
• Performed additional tasks as assigned, improving the effective administration of the AML and KYC Policies.
• Followed Agile Iterative development approach and was involved with all iterations of the development life cycle and risk management.
• Reviewed and analyzed the existing KYC standards in order to develop and document business requirements for the line of business KYC application.
• Validated the settlement files of various backend processors like EDS, FDR and TSYS.
• Involved with a team handling processor and card personalization technical integrations for the issuance of loyalty prepaid cards and NFC tags which were linked to the SIM module of GSM subscribers.
• Worked on Joint Requirement Planning (JRP) sessions with Business User Groups, conducting Joint Application Development (JAD) sessions with IT Groups and Conflict Management with Project team members.
• Worked on Acceptance Criteria for User Stories to perform User Acceptance Testing (UAT).
• Designed Test Cases, Test Plans and Test Scenarios to perform Functional Testing, Smoke Testing and Regression Testing and logged down defects and systematically managed them in JIRA.
• Reviewing and updating functional requirement documents use cases, scope change documents and mapping specifications.
• Gathered requirements for multiple Business Lines and Technology Lines in sync to support the MDM initiative for Wealth Managements and Retirements products.
• This includes regulatory compliance to ensure that they have in place the appropriate risk identification and risk management processes for CCAR analysis in capital planning that involves planned capital actions in supervisory scenarios and capital action assumptions required in stress testing rules.
• Responsible for gathering requirements from Subject Matter Experts (SME's) and primary user's underwriters and payments department to update premium collection procedure and Automatic Clearing House (ACH).
• Participated in knowledge transfer meetings and discussions with consumer management and BSA/AML Officer.
• Performed testing on a data warehouse platform, including data integrity and data validation.
• Interacted with Architects, business and other stakeholders and created the Back-End Use Cases for Online Payments.
• Analyzed and documented business processes, use cases, workflow diagrams and obtained sign-off from client on specifications which included SWIFT, ACH, and wires requirements.
• Performed data analysis and ran various SQL queries to critically evaluated test results
• Ensured that the business needs as defined by the Product Owner are met by the agile team.
• Interacted with line of business managers and coordinated the transition into the security database to assure business compliance with SOX.
• Assisted in building a Business Analysis Process Model using Rational Rose and MS Visio.
• Created clear, complete and accurate documentation of user requirements and business process workflows.
• Created complex SQL query to extract transaction related data from multiple sources for data validation.
• Monitored suspicious transactions and compiling and reporting associated currency transaction reports (CTRs) and monetary instrument logs (MILs) generated by Actimize AML.
• Worked on TSYS main frame application screens for account transactions.
• Worked on managing SWIFT infrastructure comprising of SWIFT Alliance Gateway, SWIFT Alliance Access and SWIFT Alliance Web station.
• Created ETL Mappings, Sessions and Workflows using various transformations like Update Transformation, Lookups, Filters, Routers and XML etc.
• Worked on building Alliance Access Integration Platform to provide communication from back-office to SWIFT and the Alliance Access plug-in was used as recovery disaster plan in our organization.
• Involved in managing Anti-Money Laundering/Know Your Customer (KYC) data remediation initiative.
• Interacted with different Lines of Business as part of monitoring the Fraud transactions and created the Centralized repository (Base View) for all AML/Fraud transactions including Automated Clearing House (ACH) passing through different Channels (Web, Paper, Phone etc.).
• Documented functional test scenarios, test plans and end-user acceptance testing criteria.
• Participated in Data Mapping, Data Conversion, creation of the Data model and used SQL and Toad to extract, filter and validate data.
• Reviewed and analyzed Suspicious Activity Reports (SAR) narratives completed by AML investigators.
• Created T-SQL objects such as tables, views, joins and store procedures to meet client requirements.
• Assisted in web service testing using REST API and interacted with JSON while working on the data integration.
• Prepared test plan, test scripts and participated in User Acceptance Testing (UAT).
• Assisted with functional testing, performance testing, user interface testing, and User Acceptance and system testing.

Business Analyst

Confidential - Bentonville, AR

Responsibilities:

• Analyzed and understood the requirements in a business need and technical specifications perspective by conducting User reviews and JAD sessions.
• Instrumental in understanding existing Automated clearing processing system, daily payment processing and analysis of reports, payment distribution, daily reconciliation and balancing.
• Worked with the SWIFT Infrastructure & SWIFT-based applications to build a Business Requirements Document to safeguard the flow of payments messages that may be at risk to cause vital damage to the Bank.
• Worked on Transaction Monitoring of Data Quality and Data Lineage of Key Data Elements from data source.
• Interviewed SMEs and Stakeholders to gather Business Requirements, Functional Requirements, Non-Functional Requirements, Report Specifications, Data Requirements, Data Mappings and Data Flow Diagrams.
• Conducted JAD sessions with clients, 3rd party vendors, end users, developers and other team members to distinguish presented user requests from the underlying true needs, and distinguished solution ideas from requirements.
• Involved in Managing all treasury management products such as Internet Banking, Business Banking, Telephone (VRU) Banking, Mobile Banking, Bill Presentment, ATM/Debit cards, Remote Deposit Capture (RDC), Automated Clearing House (ACH), Positive Pay, Lockbox, Wire Transfers (Fedwire) and Merchant Services.
• Collaborated with the KYC Operations teams including Quality Control, the Industry Risk Group and the Database Administration team to ensure the teams are prepared for implementation.
• Collected and reviewed due diligence documents for new funds to ensure CIP requirements and KYC regulatory requirements are satisfied in accordance with the bank’s enhanced due diligence policies.
• Facilitated labor negotiations through rapid response note taking, technical writing and research.
• Involved in designing DataStage ETL jobs for extracting data from heterogeneous source systems, transform and finally load into the Data Marts.
• Documented Fixed Income Performance project developed specifically to support Wealth Management Groups to provide most valuable advisory services to clients on Asset Projections, Portfolio Rebalancing, Investment Holdings, Liquidity needs and future goals.
• Involved in generating in/out mappings with ETL transformations logic, functional specifications, process maps, data models and BI reporting data flows.
• Documented process flows and developed requirements for functional improvements and enhancements using the UML (Unified Modeling Language) methodologies.
• Performed extensive business process analysis including GAP analysis, data analysis.
• Implemented to improve the filtering efficiency of the transaction screening of incoming and outgoing messages which includes Automated Clearing House (ACH) & Anti-Money Laundering (AML).
• Involved in business modeling using UML diagrams in MS Visio, drawing layouts to explain process flows to the developers.
• Worked with Relationship Managers to understand the client and to correctly assess the client's AML Risk Rating.
• Effectively collaborated with senior compliance officers, AML colleagues, relationship managers, and other departments to ensure all facets of remediation project were completed on a timely basis.
• Designed and developed an ISO 8583 based interchange network process which eventually enabled the capability to interface with ACI for the credit card, debit card and prepaid card products in both online and batch mode.
• Designed workflow of the system using Business Process Model and Notation (BPMN) diagrams such as Activity Diagram, conversation diagrams.
• Analyzed/prepared USD high value Fedwire payments to prevent REG W violations.
• Worked with Senior Business Users in Market & Credit Risk Management, Prime Brokerage, Auditing/Compliance, and Back & Middle Office to prioritize and secure Budgeting for Projects and Day - to-Day Support.
• Worked with Credit Risk Management such as Treasury Bonds, Junk bonds and over the counter Derivatives (OTC) and Vanilla swaps to hedge foreign currency risk and future and forward contract risk, counter party risk.
• Utilized advanced knowledge within SWIFT System (Alliance Access, SWIFT Messaging Hub) as it related to the Interface Payment Applications to determine project analysis and gathering requirements
• Have worked on ACH Transfers, EDI Transfers, Data Mapping, Integration between ERP and major
• Customer/Billing systems and multiple external systems.
• Performed Gap analysis by identifying existing technologies and documenting to meet the end state requirements.
• Instrumental in gathering information by literature survey, writing handler parsers for ISO8583 messages.
• Worked on updating and enhancing daily margin processing of listing derivatives according to Dodd-Frank stipulations and ACH.
• Interacted with Senior Management on the Compliance, Legal and business sector concerning AML issues and processes.
• Focused on payment flow, tokenization and API integration to process in app purchases and shop workflow.
• Designed and developed Use Cases, Activity Diagrams, Sequence Diagrams, and Class Diagrams.
• Developed workflow diagrams, flow charts and Data Flow diagrams for structuring / modeling the ACH business flow using MS Visio.
• Ensured smooth transition from Waterfall to Agile by following team level adoption techniques like planning, training and coaching. Convinced management to understand the importance of adopting Agile best practices.
• Worked on user story management, issue tracking and requirement traceability using JIRA.
• Created RACI matrix to identify all relevant stakeholders in the project.
• Assisted QA Team in testing requests to various REST APIs in Swagger UI and in documenting the requests and responses using Swagger editor.
• Using Shared Containers and creating reusable components for local and shared use in the ETL process.
• Worked with the data team to convert data from Wealth/Trust IRT & Legacy Risk Financial Systems to the Wealth Management platform in support of Cash Payments Corporate Action, Trade Counterparty Settlements End to End /Surveillance, Asset Management.
• Work closely with the Quality Assurance team and develop test cases and test scripts.
• Use the developed use cases and conducted User Acceptance Testing (UAT).
• Wrote transformation rules, verified data through various data profiling techniques to cleanse during reporting.
• Created Test Plans, Test Cases, Test Scenarios and conducted Functional/Non-Functional Testing.
• Worked on performance testing and measuring system behavior and performance under load to simulate the payment processing process.
• Wrote SQL Queries, such as Joints, Sub Query, correlated sub query and nested queries to retrieve data from various tables in the database.
• Planned and defined system requirements to Wire Frames with Use Case, Use Case Scenario and Use Case Narrative using the UML (Unified Modeling Language) methodologies.
• Authored the product backlog for the complete project, derived User Stories for individual iterations, assigned tasks and allocated appropriate resources for completion and acceptance of individual stories
• Created the Project based Traceability Matrix for the GLTC Illustration Management system.
• Conducted training sessions for Developers and QA team to explain the development of the system.
• Conducted User Acceptance Testing (UAT) and collaborated with the Quality Testing Team to develop and review test plans, test scenarios, test cases and test data to be used for both Manual and Automation testing based on the requirements from the Business and product knowledge.
• Develop User Manuals, and Training Manuals as per Project Specifications and timelines.

Business Analyst

Confidential - Memphis, TN

Responsibilities:

• Assisted business users in identifying functional gaps, and developed detailed FSD for the gap.
• Interacted between the business community and IT development teams to resolve functional and technical issues related to business applications.
• Involved in performing risk assessment using methods to identify risk, probability, impact and how to mitigate those risks and maintaining all the risks identified in a Risk Register Document.
• Worked on workflow of the system using Business Process Model and Notation (BPMN) diagrams such as Activity Diagram, conversation diagrams.
• Involved in identifying, research, investigate, analyze, define and document business processes and Use Case Scenarios.
• Maintained SWIFT procedures ensuring compliance with established policies and practices.
• Involved with a team in creating functional and design specifications for the reengineering and creation of an enterprise-wide Global Wealth Management Platform Security Master System.
• Extensively involved in ETL code using Informatica tool to meet requirements for extract, cleansing, transformation and loading of data from source to target data structures.
• Supported Reconciliations, Investigations, Loans, Money Market, Foreign Exchange, Letters of Credit, Cash Concentration, Foreign Currency and Money Transfer (FEDWIRE, CHIPS, SWIFT, CHAPS, SEPA) Departments as liaise between business sponsors, departments, IT and vendors.
• Updated Procedural Documents for the Business Risk Management Department.
• Involved in audit space through onsite evaluations, offsite financial analysis and surveillance.
• Involved in creating Mock-Up Screens and Wireframes using User Interface components for client verification.
• Worked on designing new computer programs by analyzing requirements, constructing workflow charts and UML (Unified Modeling Language) diagrams, studying system capabilities, writing specifications.
• Involved in creating SQL Queries for Portfolio Drill Downs to pull necessary data from data sources.
• Monitored the work progress by tracking activities, resolving problems, publishing progress reports.
• Worked on service-oriented architecture (SOA), REST, SOAP, XML, API and prepared documentation.
• Involved in Acceptance Criteria for User Stories to perform User Acceptance Testing (UAT).
• Designed Test Cases, Test Plans and Test Scenarios to perform Functional Testing, Smoke Testing and Regression Testing and logged down defects and systematically managed them in JIRA.
• 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.
• Evaluated the SWIFT annual release, identifying business lines and applications that may be affected by changes.
• Created manual Test Cases in Quality Center for various User Stories based on Release and Sprint Plan.
• Participated in technical design sessions, working with technical resources, to provide insight during solution development and involved in designing the framework to integrate HP ALM to cucumber using the newly released version of HP ALM rest API and managing the API information in form of documentation.
• Created Test Automation Framework with Cucumber by using Gherkin format and maintained track of it.
• Worked closely with QA and Developers to clarify/understand functionality, resolve issues and provided feedback to nail down the bugs.
• Worked on documenting and updating the customer information as a Know Your Customer (KYC) documentation.
• Worked on Share point user privileges as directed and in compliance with all standard operating procedures and documented the configurations and architectures.
• Involved in the design documentation of wealth management product by evaluating current needs of the market and competitive products.
• Documented functional test scenarios, test plans and end-user acceptance testing criteria.
• Wrote user documentation for further referral, training users and providing help desk support.
• Migrated Data from MS Excel to SQL Server Reporting Service Using DTS and SQL loader utilities.
• Generated SQL queries to develop risk reports.
• Understanding the specifications for Data Warehouse ETL Processes and interacting with the data analysts and the end users for informational requirements.
• Interacted with the agile team to gather requirements from the customer and documented for use by the developers through Story Card.
• Worked on various credit card applications to ensure PCI compliance and perform other ISA functions Information Security Administration.

Business Analyst

Confidential - Birmingham, AL

Responsibilities:

• Responsible for gaining a good understanding of Regulatory requirements and accurately drafting User Requirements for Business needs.
• Involved in Working on technologies like Java Script, XML, JSP and JSTL for developing frontend design and development.
• Experience in Data Analysis, Data Validation, Data Cleansing, Data Verification and identifying data mismatch.
• Experience in Microsoft Business Intelligence technologies: SQL Server Integration Services (SSIS), SQL Server Reporting Services (SSRS) and SQL Server Analysis Services (SSAS).
• Prepared daily/weekly reports on the equity capital market, summarized key issues and made comments.
• Worked around IRA Rollover, Asset Allocation, different types of accounts and products available to gain a better understanding for this change in user needs.
• Worked with all front office systems in ensuring the smooth implementation of trade processing using SWIFT messaging and other protocols for settlements.
• Responsible for ensuring smooth delivery of regular executive business AML/KYC presentations/reports and the final outputs for ad-hoc projects KYC enhancements to the onboarding process in conjunction the understanding and supporting the frontline user and customer experience.
• The entire data of smart post are kept in a single data warehouse (Tera Data) which enables easy management of data.
• Excellent knowledge in creating Teradata macros and developed a data validation macro tool. Prepared and presented Business Requirement Document (BRD) & Functional Requirement Document (FRD)
• Managed multiple projects that would be implemented for the following business related to Fixed Income, Trade Clearance, Asset and Wealth Management and Billing.
• Complete all regulatory reporting requirements assigned, accurately and meeting all regulatory deadlines.
• Implemented Oracle ERP Financial & CRM modules
• Created a Project Plan, Requirements Artifacts, Visio Flowcharts, Use Cases, Test Plan, formal UAT Test Cases and Implementation Plans in an iterative Project Management (PM) Methodology using tools including HP Application Lifecycle Management (ALM), Microsoft Suite including Project and Visio.
• Carried out JAD and Brain storming sessions with other Project teams for implementing existing and developing new processes and strategies for systems and to handoff tasks and Requirements.
• Strong knowledge of all the phases of Software Development Life Cycle (SDLC) with experience in Rational Unified Process (RUP), Waterfall and Agile-SCRUM methodology.
• Created Data Warehouse by using Dimensional modeling with Star Schema and implemented Ralph Kimball Methodologies for effectively for creation of data marts and data warehouse.

Business Analyst

Confidential - Little Rock, AR

Responsibilities:

• Gather requirements by conducting meetings and brainstorming sessions with end users and SME and document them using Requisite Pro - the documentation tool offered by Rational.
• Responsible for handling inter-bank communication related to exports through SWIFT messages.
• Perform Gap Analysis of the processes to identify and validate requirements.
• Identified/documented data sources and transformation rules required populating and maintaining data warehouse content.
• Managed requirement activities using an iterative and incremental methodology such as Agile using User stories and Acceptance Criteria.
• Facilitated Joint Application Development sessions and facilitated stakeholder meetings to identify business process and requirements; exhaustive management of project requirements using Calibers
• Conducted meetings and understood the requirements of the sales and marketing team
• Organized requirements into high level Use Cases and low-level Use Case Specifications and modeled them into UC, Activity and Sequence Diagrams using Rational Rose and MS Visio.
• Apply UML notations and methodology in developing models that accurately represent the business process and workflows and clearly communicate them to the stakeholders.
• Used MS SharePoint for the purpose of managing documents and for hosting websites which was used to access shared work spaces and documents.
• Conducted Gap Analysis of as-Is & to be State for new Online Banking and Money Movement Platform.
• Facilitate JAD sessions involving the management, development and user teams for clarifying requirements and facilitating better communication.
• Coordinated and prioritized outstanding defects and enhancement/system requests based on business requirements, allowing sufficient time frame to ensure accuracy and consider deadlines
• Reviewed the Test Plan developed by the testing team for testing the application.
• Assisted the QA personnel in the creation of Test Cases using Rational Test Manager.