SUMMARY

• Qualified professional with 8+ years of extensive experience in the field of Business Analyst working with the technical staff to implement management and staff's business requirements into the software application in Banking industry.
• Strong Experience in end - to-end implementations of a core banking modules like deposits, savings, customer information systems including integrations.
• Good understanding knowledge of Commercial Lending, Commercial Loan, Risk analysis.
• Extensive Knowledge in Capital Markets, Corporate Finance, Risk Management, Investment Banking, Mortgage, Financial Statement Analysis, Equity, Fixed Income and Alternative Investments.
• Expertise in credit analysis ( corporate & retail), analysis of financial statements, performance ratios.
• Expertise in mortgage application and approval Encompass with end-to-end functionality that is affordable and easy to use Loan origination system (LOS).
• Expert Knowledge in the procedures of Banking & Regulatory Compliances - Anti-Money Laundering (AML), KYC, Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC) Guidance.
• Expertise in developing Test Plan, Test Conditions, and Test Cases ensuring adequate testing of software both before and after completion conducting and documenting UAT.
• Extensive experience with OLTP/OLAP System and E - R modeling, developing Database Schemas like Star schema and Snowflake schema used in relational, dimensional and multidimensional modeling.
• Good Knowledge in data Extraction, Transformation and Loading ETL using various tools such as SQL Server Integration Services SSIS and SQL Replication.
• Strong knowledge of Core Banking System, Retail & Commercial banking business, policies and procedures.
• Proficient in creating screen mock-ups, wire frames and User Interface Documents, including Screen for Mobile Application.
• Strong subject matter expertise in Investment/Retail banking, financial statements, cash flow, financing structures, Capital Management, Asset Data, Fixed Income, Portfolio Analysis, Stock Valuation, Capital Structures and Budgeting, Value Based management.
• Good Knowledge of various financial products like Stocks, Bonds, Mortgage Backed Securities (MBS), Collateral Mortgage Obligation (CMO), and Fixed Income Instruments.
• Experience in understanding, analyzing, and documenting Business Requirements, Functional Specifications, Business Process Flow, Business Process Mapping, and Modeling.
• Expertise in mortgage application and approval Encompass with end-to-end functionality that is affordable and easy to use Loan origination system (LOS).
• Strong experience in Encompass and (LOS) originating a loan vary by loan type, various kinds of loan risk and regulator, lender policy and other factors.
• Experience in Credit Cards which includes Consumer and commercial credit cards, Cards Payable, Payments, Credit Card Acquisitions, Direct Debit, e-statement, Loyalty (reward points), Marketing, Personalization, Alerts and Messages, Customer Management Services and Fraud workflows.
• Having excellent understanding of Financial Accounting, Comprehensive knowledge of Balance Sheets, General Ledger, Trial Balance, Income Statement.
• Strong Knowledge of UML, RUP, Agile Technologies, JIRA, SAFe and Rational Requisite Pro.
• Proficient in developing Use case scenarios to enable design and development of applications using tools like Rational Requisite Pro, JIRA and VersionOne based on the SDLC methodology.
• Expertise in using Microsoft Visual Studio Team System for requirement management and work item tracking. in Finance industry, Credit Cards, Investment Banking (GL-General Ledger, Personal Accounts, Check payment, ATM, Fraud - AML) and Mortgage industries.
• Extensive knowledge in Payments processing and SWIFT messaging standards. Have good knowledge of CHIPS, FED and ACH.
• Good Knowledge in the ETL (Extract, Transform and Load) of data into a data warehouse/date mart and Business Intelligence (BI) tools like Business Objects Modules (Reporter, Supervisor, Designer, and Web Intelligence).

PROFESSIONAL EXPERIENCE

Confidential, NYC, NY

Sr. Business Analyst

Responsibilities:

• Participated in gathering requirements for the integration of various credit cards functionalities like account boarding, payment processing, collections and write-off.
• Worked with all departments on collaboration tools (Office 365 Suite of tools, cloud based).
• Involved in Business Re-engineering process for automating "get a quote" process and reflect all the daily adjustments in the financial statements (P&L).
• Created of multiple functional requirements encompassing loan servicing system (vendor application), pre-boarding system (in-house application), and interface between systems (in-house and vendor-provided interface package).
• Utilized Commercial Lending banking application and was responsible for the design and process flow of the system.
• Responsible for gathering user requirements and specifications for designing a mortgage-based loan system using and documenting the same.
• Worked with the full SDLC, elicit, analyze and define requirements. Added much efficiency to the delivered upgrade scripts and steps.
• These conversions involved multiple software applications (General Ledger, Accounts Payable, Accounts Receivable, Purchasing, Inventory, and Fixed Assets) across many databases.
• Handled the Credit/Debit Activity of the clients. The major modules are Loan Transaction, savings Management and Recurring Deposit and Fixed Deposit Transaction systems for stakeholder interactions.
• Worked on Transaction Details project which involved making transactions received as part of MT 940 and MT 942 SWIFT statements, in the form of reports.
• Documented the commercial deposit process which comes thru saving accounts, checking accounts, money market accounts, and certificates of deposit.
• Involved in Writing and executing positive and negative test cases to ensure the data originating from the data warehouse Oracle dB is accurate through to the SQL dB in the applications.
• Defined rules for security master database consolidation by aggregating reference data from multiple sources such as Bloomberg, and S&P.
• Worked on various projects teams to implement and convert functionality to ACBS (Advanced Commercial Banking System) application.
• Involved in Reviewing the Design Documents, Requirements Analysis Specifications with Business Owners and the Technical Lead.
• This module included Online Bill Payments, Transfers, Online Bank Statements Check Images, Email Wireless Alerts.
• Working with the database team they are Used SQL and SAS skills to perform ETL from DB2 and Teradata databases and created SAS datasets, SAS macros, Proc/data steps and SAS formats as required.
• Provided active testing support to the testing team. Actively participated in mobile application releases by running test cases and properly communicating and highlighting them to the required representatives.
• Reviewed defect reporting and resolution in Mercury Quality Centre to track project progress against schedule. Used Bug Tracking Systems Jira to prioritize.
• Worked closely with the Enterprise Data Warehouse team and Business Intelligence team to understand repository objects that support the business requirement and process.
• Interacted with Cash Management Division and Compliance Office to review the AML (Anti Money Laundering) requirements and provide Positive Pay service to reduce check fraud.
• Worked on Structured Finance with a focus on Asset Backed Securitization including MBS, credit cards.
• Evaluated the functionality of the existing collateral management system.
• Worked with client to determine user requirements and goals at requirement elicitation stage using Agile Methodology.
• Involved in analysis of KYC data to understand the attributes, schemas and data structures.

Confidential, Wayne, New Jersey

Business Analyst

Responsibilities:

• Analyzed business requirements, functional specs and develop testing scripts for Loan IQ.
• Interacted with Business Users to conduct thorough Requirements Analysis.
• Used Use Cases along with all other requirements is key to understanding the state of project and better enable to deliver the deliverables within time (for business use cases vs. system use cases).
• Defined Business requirements and work with management and users to analyze specify and design business applications and document current processes for efficient operations.
• Involved in working with the team to generate and execute of SQL queries.
• Used the BPMN to GAP Analysis to bridge the gap between business processes.
• Assisted the project manager in risk analysis, of the application to identify the key risks involved in the project and in effort estimation and task scheduling.
• Implemented the SDLC for the testing life cycle and followed the standard process in the application.
• Assigned tasks among development team monitored and tracked progress of project following agile methodology.
• Assist in the preparation and review of systems requests and to identify the high-level requirements.
• Use Cases associated with Rational Rose model with Requisite Pro Project, establish this association with different use case templates (for business use cases vs. system use cases).
• Finalized the requirements document and participated in the FDD and TDD review sessions
• Documentation and preparation of data flow diagrams and entity relationship diagrams, for existing and new Functional specifications using MS Visio in MS-Excel sheets.
• Created specifications BRD, FRD, Use Cases for Loan IQ front and middle-end-lending solution enhancements.
• Documented required Loan IQ operations related to the commercial loan trading system.
• Managed testing and created comprehensive testing scripts for a project involving the addition of new enhancements in Loan IQ.
• Utilize SQL queries to identify operations gaps and actionable items to immediately impact bottom line growth.
• Worked on data modeling and produced data mapping and data definition documentation
• Prepared test data from user stories, write and execute test cases in JIRA.
• Engaged the quality assurance team in the creation of test cases and use of TFS in management of bug tracking.
• Involved in JAD sessions for communicating with Stakeholders and Project directors.
• Resolved P&L discrepancies through daily interaction with Front Office, erroneous trade bookings investigation and internal allocation charges.
• Worked along with Subject Matter Expert, Project Manager, Developers, and the End-Users while creating BRD’s & FRD’s.
• Created Requirements traceability matrix mapping Requirements to Design Artifacts to SIT Cases to UAT Cases.
• Extensively used tools such as Rational Rose, Rational Requisite Pro, UML, MS Visio, MS Project, MS Access.
• Coordinated activities with project manager and various other teams using MS Project.
• Worked on SDLC, Business analysis, GAP analysis and Quality Assurance of application software in Agile framework.
• Worked with the Senior Business Analyst in writing Functional Requirement Specifications (FRS) and User Requirement Specification (URS).
• Established a Business Analysis methodology around Agile (SDLC) methodology.
• Effectively communicated and assisted other team members in the ongoing assignments as part of an agile environment.
• Used JIRA for defect tracking and reviewed them in subsequent iterations of the application development process and facilitated Triage meetings.
• Interacted with the developers for resolving the bugs reported in JIRA and various technical issues related to the requirements.
• Create weekly reports to inform management about the status of the project. Used JIRA as the project management tool.

Confidential, New York

Business Analyst

Responsibilities:

• Analyzed business requirements, functional specs and develop testing scripts for Loan IQ.
• Created specifications BRD, FRD, Use Cases for Loan IQ front and middle-end-lending solution enhancements.
• Defined Business requirements and work with management and users to analyze specify and design business applications and document current processes for efficient operations.
• Used the BPMN to GAP Analysis to bridge the gap between business processes.
• Assist the project manager in risk analysis, of the application to identify the key risks involved in the project and in effort estimation and task scheduling.
• Manage testing and create comprehensive testing scripts for a project involving the addition of new enhancements in Loan IQ data conversion procedure.
• Worked on daily basis with lead Data Warehouse developers to evaluate impact on current implementation, redesign of all ETL logic.
• Performance Tuning of Database Read/Write process, ETL Workflows and Business Objects Reports.
• Implemented the SDLC for the testing life cycle and followed the standard process in the application.
• Assigned tasks among development team monitored and tracked progress of project following agile methodology.
• Assisted in the preparation and review of systems requests and to identify the high-level requirements.
• Documented Requirements for Management Reporting out of Clear Quest using Crystal Reports.
• Use Cases associated with Rational Rose model with Requisite Pro Project, establish this association with different use case templates (for business use cases vs. system use cases).
• Finalized the requirements document and participated in the FDD and TDD review sessions
• Documented and prepared data flow diagrams and entity relationship diagrams, for existing and new Functional specifications using MS Visio in MS-Excel sheets.
• Acted as User Acceptance Testing coordinator, monitored business testing, and interfaced with the development team regarding defect status and fixes daily.
• Documented required Loan IQ operations related to the commercial loan trading system
• Manage testing and create comprehensive testing scripts for a project involving the addition of new enhancements in Loan IQ
• Used Use Cases along with all other requirements is key to understanding the state of project and better enable to deliver the deliverables within time (for business use cases vs. system use cases).
• Utilized SQL queries to identify operations gaps and actionable items to immediately impact bottom line growth.
• Worked on data modeling and produced data mapping and data definition documentation
• Prepared test data from user stories, write and execute test cases in JIRA.
• Engaged the quality assurance team in the creation of test cases and use of TFS in management of bug tracking.

Confidential, Wilmington, DE

Business Analyst

Responsibilities:

• Facilitated review sessions with stakeholders to access business needs and elicit requirements.
• Reviewed and analyzed the existing KYC standards to develop and document business requirements for the line of business KYC application.
• Collaborated with partners in Compliance, other KYC functional teams and the business to ensure stake-holder's understanding of KYC requirements, system enhancements and regulatory changes.
• Analyzed the process and identified the functionality improvement options to fulfill the business needs.
• Communicated benefits and risks of each option, and recommended business priorities.
• Worked in partnership with the KYC technical team to translate implementation options into detailed Functional Requirement Specifications and Technical Requirement Specifications.
• Created UML to ensure the business logic is clearly demonstrated to developers. Created use cases to understand the narratives.
• Involved in daily scrums and all scrum activities-Sprint Planning, Sprint Reviews and Sprint Retrospectives and works as agile coach throughout the project.
• Gather technical requirements form development for testing Agile methodology.
• Documented elicited requirements into Business requirement document (BRD), Functional Requirement Document (FRD) and Software Requirement Specification (SRS).
• Understanding of Software Development Life Cycle (SDLC), Rational Unified Process (RUP), Agile/Scrum methodology, Object Oriented Analysis and Design Concepts (OOAD), Business Process Re-engineering (BPR), Test Lifecycle, Data Modeling. Utilized ETL to work with various databases and Data Modelling.
• Worked with Data Architects and ETL Leads and was responsible to perform detailed data requirements analysis and create design specifications and operational documentation.
• Collaborate 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.
• Partnered with the KYC Operational Readiness team to ensure the business is prepared for implementation by Documenting new policies & procedures and outlining and explaining updates to the KYC application.
• Collect and review 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. Performed extensive data modelling to differentiate between the OLTP and Data Warehouse data models.
• Effectively conducted AML /KYC formality reports on questionable accounts and transactions.
• Involved in mentoring specific projects in application of the new SDLC based on the Agile Unified Process, especially from the project management, requirements and architecture perspectives.

Confidential, Cranston, RI

Business Analyst

Responsibilities:

• Worked on gathering requirements for automating interfacing with other banks through SWIFT for updating the financial transactions.
• Worked with data flow diagrams, data analysis, and Process flow diagrams
• Responsible for handling inter-bank communication related to exports through SWIFT messages.
• Analysed User Requirement Document, Business Requirement Document (BRD), Technical Requirement Specification and Functional Requirement Specification (FRS).
• Assisted in developing RTM (Requirements Traceability Matrix) using JIRA. Maintaining all the assignments on JIRA.
• Worked on streamlining existing loan origination system (Empower) to ensure the loans are processed effectively, quickly, and reflect recent TRID regulatory changes.
• Involved in gathering the requirement with the SMEs to get the maximum information about the work-stream including Mortgage Servicing, Loan Monitoring, and Asset Management.
• Involved in Designing and implementing the Stateful session beans for Core Financial Services, Charges and SWIFT messages.
• Examined, analysed and model Test plans, Use Case Model cases & Test procedures based on AGILE methodology.
• Worked closely with the Enterprise Data Warehouse team and Business Intelligence team to understand repository objects that support the business requirement and process.
• Created UAT plans with several test cases for each project to ensure that the system runs smoothly after the proposed enhancements or changes have been made.
• Worked with the technology team to define the structure and data model for client, compliance & tax reporting data warehouse.
• Worked on final Cost Estimates from final Design Drawings and submitted to IT Finance for budget approval.
• Involved in Conducting project kick-off meetings and Solution meetings with team members to explain roles/ responsibilities, relationships with other groups, deliverables, timelines, assignments, and status reporting.
• Effectively communicated and assisted other team members in the ongoing assignments as part of an agile environment.
• Responsible for creating Use Cases,Business Process Modelling and Workflow Diagrams using MS Visio and MS Excel Performed the requirement analysis and documented the requirements.
• Prepared year-end financial statements (P&L, Cash Flow, Balance Sheet) for the company.
• Created use case scenarios and documented workflow andbusinessprocess using Rational Rose.