SUMMARY:

• Industry experience as a Sr. Financial Business Analyst/ Data Analyst with solid understanding of Business Requirements Gathering, Business Process Mapping, Evaluating Data Sources, Translating Requirements into Specifications, Application Design.
• Domain experience includes knowledge of CCAR, FRY9C, Equity, Bonds, Loans, Money markets, Benchmark Index, General Ledger, Credit Bills, Credit Reports, and Accounts Receivable/Payable.
• Excellent knowledge of Dodd - Frank, BASEL regulatory framework specializing in Liquidity Risk (LCR, NSFR), Interest Rate Risk Sensitivity, Stress Test, CCAR, Risk Management Models.
• Daily tasks included gathering data, interpreting results and providing basis for operational and strategic decisions to the company's executives and working with SQL, Excel and Access to create new reports for management.
• Experience in Updation and modification the production code per the dynamic requirements, which are dependent on the scenarios like CCAR Base, CCAR Adverse, and CCAR Severe.
• In-depth knowledge of and experience in the financial industry and global financial markets including product expertise (Equities, Swaps, Fixed Income, Money Markets, FX, futures & options and both OTC and exchange-traded derivatives products) .
• Responsible for understanding the lineage of Critical Data Elements (CDEs) to upstream systems and downstream systems like CDW, FTP, Clearview etc. with respect to reporting for Y9C and 14A submissions for the CCAR review process.
• Well-versed with all the phases of SDLC, including methodologies like Waterfall approach, IBM RUP, Agile and Scrum
• Collaborate with cross-functional business teams, IT Functional SMEs, data owners.
• Expertise in documenting the types and structure of the business data to provide business insights on the data usage in business application.
• Contributed to the design of the future data governance structure with Client and developed roadmap for future Data Conversion Implementations.
• Worked with business counter parts/data owners to establish data governance capabilities for all in scope Master Data Governance objects (financial, customer, material, vendor/supplier, FX rates master data).
• Created accurate knowledge capturing documents to enable the business analysis team to understand the data and process flow and interfaces for a system.
• Experience with investment banking regulatory/compliance reporting regulations like Basel II, III Accord.
• Assisted Project Managers in determining project scope, estimating schedules, maintaining project documentation and managing resource workloads using MS Project
• Strong knowledge of Software Development Life Cycle (SDLC) methodology, Including waterfall methodology, agile methodology and Interactive Software Development Life Cycle Process as per Rational Unified Process (RUP)
• Experienced in conducting GAP analysis, User Acceptance Testing (UAT), SWOT analysis, Risk Analysis, and ROI analysis
• Strong technical documentation skills, worked on writing the design documents for consumption of the development teams.
• Excellent writing skills in Business requirements document (BRD), Functional requirements Specification (FRS), Systems Design Specification, Systems Requirements Specification (SRS)
• Hands on experience with testing methodologies in support of validating the data transformation from source to target databases
• Well Developed interpersonal and communication skills and a proven ability to work effectively at all organizational levels.
• Experience in Data warehousing, experience in design, development, testing, implementation and support of enterprise data warehouse.
• Data Analysis and Design: Understanding business needs and translating into data structures. Skills include analysis, business metrics specification, relational and dimensional modeling and in-depth understanding of data warehousing concepts, architectures and processes.
• Data Integration: Proficiency in acquiring, transforming and cleansing data. Mastery of concepts and skills for source data analysis, data profiling, source/target mapping, data cleansing and transformation.

PROFESSIONAL EXPERIENCE:

Sr. Business Data Analyst

Confidential, Houston, TX

Responsibilities:

• Worked on fixed income ( corporate bond) and other investment product analysis including mortgage-backed securities (MBS), agency callable, and collateralized mortgage obligations (CMO).
• Served as the Domain Expert/Subject-Matter Expert (SME) for Data Governance and Stewardship.
• Conduct systematic post-trade/market impact analysis to allocate liquidity and scale volume.
• Knowledge of equities, fixed income, and derivatives with expertise in understanding of trade life cycle from initiation to settlement.
• Facilitated and managed meeting sessions with committee of SME from various business areas including Mortgage Servicing, Loan Monitoring and Asset Management Analyzed, Modeled, and Programmed of the structured finance business (or other derivatives) line such as asset backed securities and mortgage backed securities deals.
• Strong understanding of trading instruments including equity derivatives, interest rate derivatives FX, options, money market, fixed income, credit derivatives, and commodities trading products.
• Build data governance processes and facilitate resolution of conflicting data update requests that fall outside of standard processes; as well as data-at-rest processing, data-in-motion processing, data-warehouse processing, and contextual search (With Compare the roles, attributes and entities).
• Build and maintain CCAR (Comprehensive Capital Analysis & Review) operating rhythm and governance framework. Liaise with FR Y 14 template owners to ensure compliance with instructions and report timing.
• Support of listed/OTC derivatives and Hedges trade capture or trade ordering requirements for such systems or platforms.
• Assist Equity Derivatives IT in Risk Valuations, Scenarios, and Modeling/Analytics.
• Developed BRD documents for Securitized Inventory (CMO, ABS, MBS, and ABCP). BRD targeted new Basel II Compliance requirements.
• Created a PowerPoint presentation from an Infrastructure prospective to understand all the requirements needed to deliver an accurate Average Daily Balance Sheet for the FRY9C/CCAR requirements.
• Worked under Regulatory Line of Business (RLOB) and Basel lll regulations.
• Created and documented Business Requirement Documents (BRD), Functional Requirement Documents (FRD) and Use Cases.
• Managed the development of a Dodd Frank reporting tool that is used to map and perform gap assessment with all financial and risk business processes
• Reviewing CCAR to Custody Reconciliations Identify the discrepancies and take immediate action to fix the issue. If break is due to an erroneous or missing transaction in CCAR make necessary adjustments.
• Construct and developed the SharePoint Site for each CCAR cycle which is utilized for CCAR communication, storage of key CCAR files including business models, and automatic audit trail that is sent to internal audit team.
• Validated Loss Data for external reporting (ORX, ABA, CCAR) also Conduct stress tests on retained portfolio including CCAR, Dodd-Frank and Recent Experience stress tests
• Responsible for reviewing business and individual tax returns and financial statements per GAAP and IRS credit policies.
• Interacted with client groups to determine user requirements and goals. Utilized to configure and develop process, standards, and procedures and Document
• Created requirements for FRY14 M/Q/A and interacted with the Axiom team to understand the data flow from station into Axiom
• Prepare all CCAR/Regulatory data profiling status reports for executive and senior leadership team
• Facilitated JAR/JAD sessions to determine data definitions and business rules governing the data, and facilitated review sessions with subject matter experts (SMEs) on the logical and physical data models
• Interacted extensively with Subject Matter Experts (SMEs) in understanding and documenting the requirements pertaining to introducing new insurance products, online claim reporting process, online policy change and many other such business areas.
• Conducted requirement gathering, testing, reporting, documentation workflow preparation, process re-engineering, and data mapping
• Familiar with Basel, Dodd Frank Act, CCAR Regulatory Reporting - FR Y-14 Monthly, Quarterly, Annual, FR Y 9-C and others required for banks for compliance reporting to various regulatory agencies
• Wrote SQL queries for Ad-Hoc access and created SQL scripts for database administration and maintenance
• Managed the development of a Dodd Frank reporting tool that is used to map and perform gap assessment with all financial and risk business processes
• Responsible for developing various documents during different phases of development life cycle- such as scope document, business requirements document, test cases, and test summary reports per SDLC compliances
• Analyzed the existing business requirements documents to review functional and detail design specification of the application
• Developed queries using PL/SQL and many stored procedures to do the validations
• Created project plans/schedules and pertinent documents at various stages of the project life cycle for reporting to stakeholders, senior managers and operation committees
• Conducted Gap Analysis and developed data relationships diagrams to define the impact of the new requirements on the existing system

Business Data Analyst

Confidential, Falmouth, ME

Responsibilities:

• Collaborate with BSA Compliance Officers and Risk Management to improve branch operations and KYC procedures in attempts to better detect possible money laundering and terrorist financing trends.
• Assisted in performing liquidity risk & credit risk analysis on outstanding loans under different pressured scenarios.
• Involved with the following product Types: Fixed Income, Bonds and Bond Trading Cycle, Bond Pricing, Equities, Trade Cycle, Derivatives (Options and Futures).
• Build data governance processes and facilitate resolution of conflicting data update requests that fall outside of standard processes.
• Responsible for developing Credit Line Increase and Credit Line Decrease strategies for Credit card portfolio.
• Knowledge of different asset classes, Asset Management, OTC Derivatives (Futures & Options), cost & competitive analysis, and pricing techniques.
• Interacting with the business users to gather requirements based on the CCAR Regulation for Financial Statements, Interest Rate, Credit Ratings, FRY9C and Investment Securities.
• Involved in the FRY9C and CCAR Q/M/A data analysis and reporting.
• Experience in Implementing IT solutions to Finance industry in Compliance with various security standards defined by SOX, SEC and BASEL II
• Conducted biweekly release scope requirement meetings for prioritization of Data Mart enhancements, defect corrections, data remediation and matters requiring attention (MRAs).
• Assisted the Bank in developing community development loans, investments and services
• Reviewed current processes, procedures and controls to create a SWOT analysis for recommendations for senior management concerning Compliance Monitoring and Testing
• Documented, maintained and obtained sign-off on all department-wide policy, procedures and process flows
• Exercised the Agile SDLC methodology during the lifetime of the project at hand
• Manages quantitative team in developing, validating, and maintaining credit loss models for the CCAR submissions
• Worked extensively in Data Analysis, Data Reconciliation and Data Mapping for ETL process
• As a part of the project team interacted closely with the business community to define and analyze the business requirements to present possible technical solutions.
• Co-authored business requirements document with project teams and at every stage discussed and refined the business requirements with the inputs from the business team.
• Part of the monitoring and surveillance team, tasked with Dodd Frank OTC derivatives.
• Writing and developing procedures for internal Dodd Frank program
• Analyzed, Validated consumer behavioral data and generated reports/ Dashboards for the enterprise organization
• Participated in strategic meetings regarding regulatory compliance which included drafting internal policies and guidelines
• Contributed to the creation of new and improved credit guidelines and policies, and assisted Management in training newly hired Credit Analyst and Credit Assistants
• Served as the bank's Compliance Officer ensuring compliance with State and Federal banking regulations
• Perform data lineage traceability between the RDP and CCAR submissions and identify business validation rules
• Developed functional requirements and a proposed data warehouse strategy for supporting employee compensation and workforce reporting
• Provide technology and delivery leadership for large programs to develop datamart and integrate with enterprise data warehouse.
• Performed data preparation using SAS SQL & imputation methods, based on statistical significance & business objective.
• Handling complex levels of transactions requiring subject matter expertise in developed quality control processes to meet complex & demanding regulatory standards on residential lending, loan servicing, & foreclosure practices in state & federal disclosures compliance
• Provide timely reports using Excel and Access, data quality checks and transaction metrics using SAS to management to track fraud management system performance and to gauge the risk and impact of strategies to customer experience
• Perform traceability analysis to identify lineage between CCAR attributes and inbound source data elements
• Econometric modeling and forecasting for: Comprehensive Capital Analysis and Review (CCAR); Pre-provision Net Revenue (PPNR); and financial risk stress testing.
• Prepared presentations for senior management by incorporating new and existing reports
• Automation of existing manual process using SAS, SQL and JCL to reduce errors and processing time and create better monitoring of jobs to ensure system quality and performance

Business Analyst

Confidential, Chicago, IL

Responsibilities:

• Development and/or enhancement of next generation capabilities including CCAR and DFAST to a leading practice standard.
• Interpreted data and made recommendations on approval/denial of claims
• Worked with internal data governance groups in terms of polices and processes to improve overall data quality and management to ensure their requirements were reflected within the overall MDM solution being delivered.
• Conducted analysis on appraisals that were overstated on combined loan-to-value for Loan Committee approval.
• Perform variance analysis relating to Free Cash Flow, Liquidity, Net Debt and Leverage for future lenders and investors of the company.
• Worked on business rules of various banking processes like equities, mutual funds, futures, swaps, derivatives etc.
• Managed the Operational Risk assessment and review of European client's OTC Derivatives Operation.
• Identified, researched, realized, investigated, analyzed, defined and documented business processes and Use Case Scenarios
• Liaise with Legal Team Members and Financial Advisors to asses’ credit as well as market risk and impact of standardizing contracts for various product areas worldwide
• Used Agile Software Development process viz. Scrum, as this was a time bound project.
• Responsible for business business analysis of customizing the BPS Risk Management product with involvement through the whole SDLC
• Updating KYC documentation in line with the AML guidelines, Interacted with Developers for fixing the bugs and make sure to close the resolved bugs and issues.
• Conceptualized the platform governance and scorecard factors of front-end leasing application and risk business guidelines, thereby increasing productivity, skills, and consistency within the local area process for credit adjudication, contract terms, and conditions.
• Performed requirement analysis by gathering both functional and non-functional
• Accessed multiple databases using SAS and provided ongoing reporting that supported information-based decision making and periodic CCAR submissions
• Create source to target mapping document for the proposed new data attributes in the MI reporting data warehouse.
• Working both regionally and globally on existing compliance initiatives as well as incorporating and implementing significant new regulatory change requirements emanating from the Dodd Frank Act
• Managed Workflow process using the SDLC methodology and iterations
• Conducted Joint Requirements Planning (JRP) Sessions as a facilitator to gather requirements from various customer group
• Performed the user acceptance test (UAT) and suggested recommendations for the applications
• Worked with SQL queries for data manipulations
• Accessed multiple databases using SAS and provided ongoing reporting that supported information-based decision making and periodic CCAR submissions.
• Managed Remediation for all non-compliance issues through corrective action plans and risk acceptance documentation
• Responsible for analyzing, classifying problems, and working with integrated applications and business on issues with the data (e.g., success rate, completeness, user id collisions)
• Perform Process modeling (Use Cases), Data Modeling (ER Modeling) for E-profile data migration.
• Responsibilities included creating test scripts, creating test data, coordinating with offshore resources, monitoring Test Director Results and supporting multiple test releases.
• Analyzed the data for the projects and performed the data profiling, data mapping for different sources.

Data Analyst

Confidential, New York, NY

Responsibilities:

• Provided Analysis for Data relating to a variety of Portfolios for Past Due, Leveraged Accounts, Maintained SharePoint access and files for Federal Reporting Agencies, in house agencies, and Primary contributors.
• Provide input and research for process improvements to key reporting tools in Risk Management.
• Provide support and training for Microsoft Office Products to Associates including Word, Excel, PowerPoint, and Publisher
• Utilized and modified existing SAS programs used in verifying database values associated with application
• Coordinated with other independent consulting firms to develop guidelines for a uniform approach and testing fees assessed to borrowers in the foreclosure process.
• Identify key areas of testing such as timing, materiality and market value with the use of data analytics
• Updated and modified the production code per the dynamic requirements which are dependent on the scenarios like CCAR Base, CCAR Adverse, and CCAR Severe.
• Presented IS Training and Users Awareness materials to the business sector clients as needed
• Interacted daily with all levels of management and business clients to provide continual communication on the latest information security developments / incidents, align IS strategy to business objectives and assist with IS audits
• Tracked and assisted project managers with requirements gathering, research, and technical documentation for the implementation of Fast Track and High Focus IS initiatives
• Develop a system to identify permissible, non-permissible, customary and excessive fees charged to a borrower during the foreclosure-using complex excel programming.
• Identify coding where the logic conflicts with the law and make corrections for accurate analysis.
• Develop a system to generate a reproduction of MSP screen shots from LPS data extract.