SUMMARY:

• 8 + years of experience as a Business System Analyst/Data Analyst in industry domains including Mortgage , Capital Markets, Wealth Management, Retail Banking, e - Commerce and Insurance .
• 3+ years of experience in Guidewire Policy Center and Guidewire Claims Center for Property & Casualty Insurance.
• Strong understanding of Retail Banking, including Credit Card, Mortgage, Account Transactions, Wire Transfers, Bill Payment.
• Proficient in Anti Money Laundering (AML), Bank Secrecy Act (BSA), Comprehensive Capital Analysis and Review (CCAR), AML-KYC, BASEL II and III, and Dodd-Frank Act. In-depth knowledge of NICE Actimize Suite and STAR/PACE product Suite.
• Experience in CCAR - Credit , Operational and Market Risk and FR Y 14 M/Q/A reporting.
• Strong experience in Business and Data Analysis, Data Profiling, Data Migration, Data Integration and Metadata Management Services.
• Good experience in Data Modeling with expertise in creating Star & Snow-Flake Schemas, FACT and Dimensions Tables, Physical and Logical Data Modeling using Erwin.
• Good experience in core PL/SQL development. Implemented pl/sql objects like Stored Procedures, functions, packages, Triggers, Exceptions, Cursors, Ref Cursors, Collections and bulk procedures.
• Strong Data Quality Management background performing analysis, monitoring and tuning to maintain data integrity.
• Experience in creating database tables, writing stored triggers, select statements, JOINS, views.
• Ability to collaborate with peers in both, business, and technical areas, to deliver optimal business process solutions, in line with corporate priorities.
• Knowledge of Mortgage Loan Origination, Servicing, Closing, Mortgage Backed Securities (MBS), Fannie Mae, Freddie Mac, Loss Mitigation, Loan Modification, Appraisal, Credit, Income and Title functionalities. Working knowledge of Encompass and Calyx .
• Good knowledge and experience on Payment Security Industry (PCI)/ Data Security Standards (DSS) Compliance.
• Knowledge of the CAN-SPAM Act and working experience on Email-Marketing projects.
• Good Data Warehousing concepts including Extract, Transform, Load (ETL), Meta data, Data Marts, Fact/Dimension Tables, and Dimensional Modeling.
• Acted as Scrum Master for Product teams with a focus on guiding the teams towards improving the way they work.
• Organized and facilitated project planning, daily stand-up meetings, reviews, retrospectives, sprint, release planning, demos, and other Scrum-related meetings.
• Extensive experience in project management best practices, processes, & SDLC methodologies including Waterfall and Agile(SCRUM).
• Expertise in defining scope of projects based on gathered Business Requirements including documentation of constraints, assumptions, business impacts & project risks.
• Analysis and review of Software and Business Requirement Documents (BRD).
• Interviewing Subject Matter Experts, asking detailed questions and carefully recording the requirements in a format that can be reviewed and understood by both business and technical people.
• Worked in various technologies such as XSLT, XPATH , CSS, XML, and HTML.
• Knowledge of Test Plans, providing Test Data, conducting unit test, documenting test cases and in Manual Testing - Functional, Database, Black Box, Positive-Negative, and Regression testing .
• Experience in writing User manual, conducting functional walkthroughs, and in performing extensive User Acceptance Testing (UAT).
• Articulate, confident, and able to communicate comfortably with all levels of the company.

SKILLS:

Business Analysis Skills: Scope Initiation, Business Proposals, Requirements Definition, Problem Resolution, Structured Walkthrough, Workflow Analysis, Gap Analysis, Design Review, Business Process Management, Product Management, Business Impact and Risk Analysis, Gate Review, Confirmations, Post-Implementation Review, Defect Management, Data Analysis, Data Reconciliation, Data Governance and Data Management.

Project Management Skills: Change Management, Client Relationship building, Risk Management, Strategic Planning and Reporting, Technical Writing, Budget Planning & Cost control, Vendor Management, Strategic Change Management, Onsite-Offshore Management, Virtual team Management.

Testing Tools (QA): HP ALM, HP Quality Center/Test Director, HP Performance Center/Load Runner

Business Process Modeling: UML/ Use Case Diagrams, Class Diagrams, Object Diagrams, Package Diagrams, State Diagrams, Activity Diagrams, Sequence Diagrams, Communication Diagrams, Component Diagrams, Deployment Diagrams, Process Flow, ER Diagrams and Data Flow Diagrams (DFD)

Database: Oracle 11g, 10g, Oracle 9i, Oracle 8i

Oracle Applications: Oracle 11i &R12 - GL (SLA ), AP, AR, FA, CE, OM, PO

Languages: SQL, PL/SQL, UML, C# ASP.Net

Operating Systems: MS-Windows

MS Office: Word, Excel, Outlook, PowerPoint, Visio, Project

Methodologies: Project Life Cycle (PLC), Agile Project Management (SCRUM), Release Management, Change Management, Systems Development Life Cycle (SDLC), IBM Rational Unified Process (RUP), Prototyping, Test Methodologies (Equivalence partitioning, Boundary value analysis and error guessing)

Collaboration Tools: Microsoft Live meeting, WebEx Products, SharePoint

Other Tools: Tableau, Informatica, Cognos, Guidewire 6.0, Actimize (AML), Axiom SL, Encompass, Axure, JIRA, IBM Rational Rose, Smart Draw 2008, PeopleSoft

PROFESSIONAL EXPERIENCE:

Confidential, RI, CA

Sr. Business System Analyst / Project Manager

Responsibilities:

• Develop Project Charter, WBS, Project Plan and Schedule, Scope & high level Business Requirements.
• Design and implement document numbering scheme , project office toolkit and associated templates and process as part of PMO . 
• Develop proposal package components (RFP) for various state systems including project plans and schedules , quality management plans and status reporting tools. 
• Interact with Cyber Security, Fraud Internal Investigations team, CIU (Client Intelligence Unit team) to learn the Fraud Transaction monitoring and handling process and to support the FDA (Fraud Analytics) team with the desired solution as needed. 
• Manage project deliverables throughout the complete project lifecycle . From initiation to closure, this entails collaboration with and oversight of vendors, business analyst, development/SIT/QA teams, UAT and production support. 
• Manage project financials including resource planning both onshore and offshore, cost and percent completed ensuring acceptable margins and providing accurate budget forecasting .
• Manage Anti-Money Laundering/Know Your Customer (KYC) data remediation initiative by validating business rules across multiple applications according to customer role, reporting on missing data and clean data updates across multiple systems-of-record.
• Analyze the existing Fraud detection rules that are documented in Actimize - Policy Manager . 
• Handle and manage a caseload of investigations, performed analysis and follow-up. 
• Use Fraud/AML internal Procedures & Processes and worked on Fraud cases by mainly focusing on transactions occurring in various lines of Business and flowing through (Web, Paper, Phone/IVR, Mobile, Email, and In-Person/Local Office) channels. 
• Accountable for documenting and reporting the investigation findings in the case management system. 
• Research and develop process flows, captured and analyzed related issues. Provide training to team on various project processes including Risk and Issue Management . 
• Manage Anti-Money Laundering/Know Your Customer (KYC) data remediation initiative.  
• Perform data analysis using Fraud detection techniques for various Fraud and AML Scenarios flowing through " The W repository " and other to track the SAR's and to make sure we have no GAPS in terms of tracking suspicious transactions. 
• 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 (ACH, GBS, OLM, WIR, PPD, etc.) passing through different Channels (Web, Paper, Phone etc.). 

Confidential

BSA/Data Analyst

Responsibilities: 

• Gather requirements through users interviews, teleconferences, document analyses, use case analyses and UML diagrams for user stories creation and obtain timely sign-off by all respective parties.
• Help prepare for CCAR reporting schedules (ex. FRY 14A/Q/M & 9C).
• Meet with financial analysis team and financial reporting team to gather their requirements on data.
• Participate in data modeling, data analysis and requirement documentation.
• Lead Sprint Planning & Estimation sessions , Sprint Retrospectives and Reviews.
• Develop detailed level process maps to facilitate requirements gathering for projects and trainings.
• Conduct data verification on projection data warehouse .
• Design logical models using Star schema. Constructed a credit Fact which could be sliced and diced by various dimensions like Product, GL, Asset Class, Geography .
• Define, documented and translated high level business requirements into detail system specifications.
• Identify and analyze business problems and defined the scope of activities required to address issues, including requirement definition, process review, impact assessment and operational streamlining where necessary.
• Prepare FRDs that help drive the design of the infrastructure necessary for the organization to meet new CCAR reporting requirements.
• Help with the remediation and mapping of data going into reporting systems.
• Conduct data verification on reporting data warehouse .
• Extensively involved in Data Governance process. Assisted in data grouping and defined relationship among the different tables.
• Participate in configuration of IHC Reporting System and other in-house reporting software /systems .
• Support the Project manager in planning, executing, controlling and closing phases of projects.
• Work with the development team to define system specifications based on the business requirements gathered by Prototyping and JAD sessions .
• Design and implement basic SQL JOIN queries for QA testing and validate reports generated in Axiom .
• Loaded the data into database tables using SQL*loader from TXT and CSV files. 
• Wrote SQL Loader control file for flat file data from other departments and scheduled them in UNIX to load every night in Production Environment. 
• Developing Oracle objects such as Tables, Views, Indexes, Synonyms, Materialized views, Sequences, Cursors, Partitions, and Dynamic SQL . 
• Performed System Integration testing , User Acceptance Testing and created test cases and test scripts .
• Use SharePoint to store, organize, share, and access information from almost any device.

Environment : Oracle 11g, PL/SQL, Microsoft Project 2000, Axiom SL DDW/IC, Axiom SL, Oracle, Informatica 9.5.1, Erwin, MS Excel, SharePoint 2010, PowerPoint, MS Visio and MS Outlook

Confidential, Minneapolis, MN

Scrum Master/ Business Analyst/Data Analyst

• Worked closely with Product Owner and Program Manager to prioritize the features and call out the dependencies, impediments and risks well in advance so that teams can plan accordingly. 
• Participated in Program Increment (PI) planning to identify objectives of the PI. 
• Facilitated all 4 ceremonies Sprint Planning, the "Daily Stand-up", Sprint Retrospective and Sprint Review / demonstrations. 
• Worked with Product owner on artifacts such as Product Backlog, Spring Backlog in JIRA, Sprint Burn down and Release Burn down. 
• Facilitated Scrum of Scrum (SOS) with other Scrum Masters and Leadership. 
• Maintained teams' performance and velocity metrics. 
• Maintain task tracker, release schedule and program board in synch. 
• Actively participated in agile community and making sure to follow best practices in industry. 
• Encouraged team to be self-organized and try to come up with reusable elements. 
• Encouraged team to actively participate during story time and break down the stories as granular as possible. 
• Maintained (updated) task board on daily basis. 
• Created Relational and dimensional models using Framework Manager.
• Worked on multiple database, and multiple data source in Framework Manager to generate reports.
• Created standard reports in Cognos Report Studio, and Analysis Studio.
• Developed Multidimensional Models in Power-Play Transformer and generated Power Cubes for OLAP comprising of dimensions, hierarchies, levels, categories, and measures in Cognos.
• Modified Power Cubes by adding new Dimensions, Levels, Categories and Measures such as Sales, Inventory etc.
• Created different Dashboards in report studio using combination of List, Crosstab, and Graph and Map reports.

Enviornment : Agile (SCRUM), JIRA, Oracle 11g, Cognos Report Studio, Axure, UML, MS Office Suite (Word, Excel, Power Point, Visio), SharePoint

Confidential

 Business Analyst

• Conducted JAD sessions with Confidential solution experts to ensure that the application provided a holistic view of the customer, enabling them to support all buying, ordering and service requests across all major channels.
• Conducted competitive analysis of Confidential competitor's websites and worked with the business to identify areas for enhancements. 
• Made effective communication possible between the developers and the end-clients to guarantee that development efforts were within the scope of the project and the development was as expected having focus of Confidential business.
• Importing the products and making necessary configurations in PeopleSoft CRM.
• Using PeopleSoft implemented the convergent Billing Solution for the LOBs (Line of Businesses) to provide more flexibility to the customers and to place multiple services in a single order and to generate the Single Invoice across all the LOBs such as GSM, CDMA, WLL, Wireless etc.
• Created Wireframes using MS Visio/Axure and conducted wireframe walkthroughs with users and Managers to get a sign off
• Documented detailed requirements for end to end ecommerce website including Global Elements, Homepage, Category page, Subcategory pages, Search Results page, Product Details Page, Shopping Cart page, Shipping Page, Payments page, Order Review and Confirmation pages and post order processing. Documented communication details for third party web services like shipping and payment. 
• Led requirement gathering sessions, feasibility studies and Impact Analysis, Gap and Risk analysis and baselined acceptance criteria. This helped the client prioritize functionality. 
• Participated in: sprint retrospectives, sprint planning, release planning, and daily stand-ups. 
• Excellent interpersonal skills and a proven team player with an extensive focus to detail; Able to initiate the needed problem-solving techniques to deliver under high stress environments. 
• Worked closely with product owners and project managers to ensure features and projects were complete and released on time.
• Increased website traffic 36% by implementing successful Google AdWords campaign. 
• Implemented a Facebook ad that created 26% conversions in one month.
• Overhauled consumer customer site registration processes and functionality, bringing site into compliance with CAN-SPAM regulations and current industry best practices. 
• Coordinated with Business Units, Creative, Legal, Engineering, Sales, QA, Production and Marketing teams to adhere to established milestones for CAN-SPAM email deployments, smaller business unit ramp-ups and third party sponsored email campaigns.
• Increased newsletter subscriptions from 200 to more than 10,000 by developing Email Marketing System.

Enviornment : Agile (SCRUM), PeopleSoft, JIRA, Axure, HTML, CSS, Java Script, ASP.Net

Confidential, Pittsburgh, PA

Business Analyst

Responsibilities:

• Interviewed business users to gather business requirements and created Business Requirements document (BRD).
• Participated in knowledge transfer meetings and discussions with consumer management and BSA/AML Officer .
• Translated the business requirements into functional and technical specification (FSD or TSD).
• Ensured that the business need as defined by the Product Owner are met by the Agile team .
• Analyzed financial transaction data from multiple data sources including Databases, CRM, flat files to be mapped to the application database.
• Created clear, complete and accurate documentation of user requirements and business process workflows.
• Conducted data analysis in excel using Pivot Tables and created data mapping from multiple sources such as Excel file , CRM and Relational Databases .
• Created complex SQL query to extract transaction related data from multiple source 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 with technical team to help them in creation of databases based on different red flags.
• Performed data inventory, which requires a thorough understanding of all the systems and processes in the bank that use credit card and debit card data and how all employees use the data. The inventory report noted every repository that holds cardholders' names, account numbers, and expiration dates.
• Worked with the Security assessor and perform an assessment of its PCI compliance to determine whether the data's protection satisfies and is in compliance with the DSS.
• Captured business rules and scenarios for implementing requirements in the enterprise environment in compliance with PCI-DSS and PA-DSS regulatory standards in credit card information.
• Executed two week iteration and worked with the cross-functional mobile application team to ensure that all the requirements were compliant with overall project goal and scope for mobile and web based products.
• Assisted the project team to enhance the Personal Loans, Credit Card, Internet Services, Mortgage Services divisions and Mortgage payments functions.
• Identified and understood relationships among internal systems problems , issues and data.
• Served as a liaison between business users and development teams to compile, analyze and interpret information related to complex business and systems processing.
• Conducted Gap Analysis by creating Swim lane diagrams and highlighted the differences between the Current ( AS IS) environments versus the Confidential ( TO BE) environment .
• Worked with a team of 5 quality analyst/testers within Agile Methodology .
• Defined and delivered test strategy, plans , and systems scripts .
• Validated different data sources to ensure alignment with the business requirements.
• Conducted through testing to make sure the application is developed as per the business requirements.
• Create UAT test plans and test scenarios & cases.

Environment : RequisitePro,Toad, Agile (SCRUM), UML, Microsoft Excel, Ab Initio, Actimize AML, Waterfall, Enterprise System, Core Banking, MS Project, MS Access, Mobile Application, MySQL database

Confidential, Foothill Ranch, CA

Business Analyst

Responsibilities:

• Generated a streamline process to understand the various steps in the Loan Lifecycle and desired functionality of the new system by interacting with users, management, SME, stakeholders, Lenders and underwriters .
• Facilitated and managed meeting sessions with committee of SMEs from various business areas including Mortgage Servicing, Loan Monitoring, and Asset Management . 
• Performed Cost Benefit Analysis and also researched impact of integrating Calyx instead of Encompass as the new LOS .
• Gathered 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).
• Worked closely with Legal Department to implement any required changes due to root cause analysis findings of laws related to loan origination processes, including TILA, RESPA, HELOC etc.
• Acquired in-depth knowledge of the Mortgage industry and understanding of the Fannie Mae and Freddie Mac underwriting guidelines.
• Gathered business requirements through interviews, surveys , and observing from account managers and UI (User Interface) of the existing Brokerage Portal system.
• Designed and developed Use Cases, Activity Diagrams, Sequence Diagrams, Data Flow Diagrams, Object-oriented Design (OOD) using Rational Rose according to the UML methodology.
• Implemented the entire Agile Methodology of application development with 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, gathered 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 with 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.
• Worked with the Quality Assurance team to create Test Plan and Test Cases and conduct unit, integration, and system testing.
• Participated in developing of Training Materials for the new technology and User Training.

Environments : Encompass, Calyx, SDLC, Agile Methodology, Rational Clear Quest, UML, Oracle, MS Project and MS Office.

Confidential, Quincy, MA

Business Analyst

Responsibilities:

• Worked extensively on Guidewire Policy C enter & Guidewire Claim Center .
• Used GuideWire to track the claims of the policyholders. 
• Guidewire was specifically used by the team to implement the enhancement to expedite the claim process for unregistered users. 
• Used GuideWire to upgrade the current Claim system to track the claim of the policyholders and third party applications.
• Interacted with business team to demo the out of the box features of Guidewire Policy Center PAS.  
• Collaborated with Business Partners to identify and solicit business requirements for projects using various requirement gathering processes like JAD , Interviews, Brainstorming and questionnaire . 
• Interacted with Business group and provide valuable suggestions on System functionality in finalizing the requirements for the project. 
• Worked on GW Policy Center configuration with Business stakeholders to understand the existing flow of PAS . 
• Prepared story cards based on different tabs/screen such as Summary Page, Insured Information, Driver, Vehicle, Property, Underwriting and Bind/Issue etc. 
• Performed GAP analysis to compare the existing system with the proposed system and documented new requirements and features. 
• Facilitated numerous Joint Application Development (JAD) sessions utilized for the creation of design documents and system specifications for applications. 
• During development sprint , documented user stories around Integration of Policy Center with Billing Center.
• Retrieved Data using PL/ SQL queries and did Data Mapping and Data analysis . 
• Worked to create Data Mapping Documents and worked with business to write transformation rules through PL/ SQL. 
• Played a key role in the planning, testing, and implementation of system enhancements and conversions . 
• Performed Data Analysis and data manipulation of source data from Oracle Server and other data structures to support the business organization. 
• Domain-focused testing with a test case repository to accelerate test planning and design, and reduce dependency .
• Custom-built functionality around process areas such as new business and underwriting, billing, claims and policy administration. 
• Well developed knowledge of Insurance principles such as various types of ratings, underwriting and renewals.  
• Rules engine deployment for improved underwriting performance. 
• Domain-focused testing with a test case repository to accelerate test planning and design, and reduce dependency. 

Environment: Guidewire 6.0, SQL, Requisite Pro, UML, MS Visio, Quick Test Pro, MS Office Suite