PROFFESSIONAL SUMMARY:

• Professional experience as Sr. Business Analyst with over Eight plus years and specialization in Commercial Banking, Comprehensive Capital Analysis and Review (CCAR), Anti Money Laundering (AML) Compliance, Asset Management, Investment Management, Wealth Management and Ecommerce, fixed income, trading and equities, foreign exchange, credit and market risk and Derivatives.
• Experience in financial risk stress testing and integration of model outputs for Dodd - Frank Act Stress Testing (DFAST) Comprehensive Capital Analysis and Review (CCAR). 
• Experience in Requirement Analysis for Securities Processing platform in the areas of Portfolio Management, Trading, Settlement and Corporate Actions (Tenders, Mergers).
• Expertise in Financial services, Registry and Depository Services, Investment Banking (Operations) OTC Derivatives, Collateral management, Equity, product implementation for Asset management companies, Six Sigma methodologies, Product life cycle management, Business process modeling.
• Proficient in all the phases of Software Development Life Cycle (SDLC), and experience in different methodologies (Waterfall, Prototyping, Rational Unified Process and Agile/Scrum).
• Proficient in stress-testing requirements, focusing on loss forecasting, operational risk modeling, PPNR modeling, scenario building, and capital planning. 
• Extensive experiences in Investment Banking projects specialized in Securities Trading, and wealth management and risk management. 
• Expertise in determining Task Dependencies, Identifying Milestones & Monitoring Critical Paths using Gantt Charts, Resource Planning, Project Management and Entity Relationship Diagrams (ERD).
• Engaged stakeholders to facilitate development of structured business requirement documents to support Fixed Income work stream for CCAR regulatory reporting requirements (FRY 9C).
• Experience with unit and integration testing for order to cash (OTC) processing.
• Expertise in identifying, developing interface and process specifications, documenting them in Business Requirement Documents, creating Functional Specifications Design (FSD), Business Process Documents, Data Flow Diagrams.
• Understanding of BASEL II, III, Dodd Frank Act & Anti money laundering compliance, Bank Secrecy Acts (BSA), Comprehensive Capital Analysis and Review (CCAR) and Pre-Provision Revenue (PPNR).
• Expert in technology: MS Strategy, MS Access, ETL, Cognos, Axiom, Basel IIIExperienced in gathering and eliciting requirements from stakeholders and working on various documents, which include BRD, FSD, RDD, Use Case documents, and Gap Analysis Documents.
• In depth knowledge, Rational Unified Process (RUP) methodology, Use Cases, Software Development Life Cycle (SDLC) processes, Object Oriented Analysis and Design.
• Coordinate with development, design and QA teams to manage implementation for mortgage servicing clients.
• Experience in Legal and Regulatory Risk Management, Identification and Communication.
• Strong skills in backend testing using SQL Queries on MS SQL Server.
• Expertise in problem solving and bug reports using bug-tracking tools.
• Competent in Creating Unified Modeling Language (UML) diagrams such as Use Case Diagrams, Activity Diagrams, Class Diagrams and Sequence Diagrams.
• Extensive experience in Investment Advisory, Wealth Management Services and Product Management.
• Experience in Derivatives/SWAPs & Fixed Income Asset Classes.
• Experience in maintaining daily cash position and cash flow forecasts on Excel dashboard.
• Experience in strategizing with business leaders to significantly reduces capital levels regionally through business divestures, asset sales, wind-downs and international transfers. Continually collaborated to analyze and mitigate the effects of regulatory changes (Basel I - III) on various business lines.
• 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.
• Deep knowledge and experience of Performance Measurement and Reporting in Wealth Management and Portfolio Management.

TECHNICAL SKILLS:

Requirement Elicitation, UML (Unified Modeling Language), RUP, Microsoft Office 2010/2007/2003 (Excel, Word, PowerPoint, Access, Outlook, Project, Visio), MS SharePoint Business Definition Requirements, Business Process Analysis & Research, SQL, JIRA, RDB,Use Case Modeling, JAD/ RAD Sessions, Requirements Gathering, Gap Analysis and Impact analysis, Finance, Banking, Mortgage, Healthcare. Methodologies like Agile, Waterfall, RUP and UML. Cognos - BI tool, SAP BI, CCAR, Basel III, RWA

WORK EXPERIENCE:

Confidential, Reston, VA

Sr. Business Analyst

Responsibilities:

• Involved in Capital planning, which included developing forecast documentation for internal audit, senior management and financial statement reports for budgets. 
• Managed Compliance requirements for reporting employee Disciplinary, Monitoring & Testing, Verification Check, Issue Management, Internal Audit, BRES using Business Objects and Tableau. 
• Expertise in identifying, developing interface and process specifications, documenting them in Business Requirement Documents, creating Functional Specifications Design (FSD), Business Process Documents, Data Flow Diagrams.
• Involved in regulatory requirements, which involved stress testing and submission of stress testing results reflecting banks balance sheet, income statement and capital positions under different economic scenarios.
• Proficient in preparing and type loan applications, closing documents, legal documents, letters, forms, government notices, and checks
• Involved in Internal Audit and Compliance to ensure timely and accurate remediation in response to observations and recommendations.
• 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. 
• Interacted with source system SMEs to map the requirements from the users and extract the fields to map them in the volcker database. 
• Experience in Tracking and Managing the Requirements using Requirement Traceability Matrix (RTM) that controls numerous artifacts produced by the teams across the deliverables for a project.
• Facilitated UATs through identifying scenarios, reviewing test scripts and co-coordinating test instances.
• Prepared and delivered presentations to various business groups on meeting PCI requirements.
• Developed SQL and VBA based data general ledger reconciliation programs to ensure the daily compliance of Dodd-Frank audit-driven requirements.
• Worked with SMEs to understand various assets and security classes, exchange traded derivatives (such as futures, options on futures, equity options and index options), OTC derivatives (such as interest rate swaps, swaptions, credit default swaps and total return swaps) and portfolio allocation and management.
• Financial/Quantitative analyses to develop yearly budget via Cognos for company-wide employee compensation.
• Understanding of AML reports including Suspicious Activity Reporting (SAR), OFAC reports, Currency Transaction Report (CTR), Foreign Bank & Financial Accounts (FBAR) and CMIR reports.
• Analyzed and created requirement for the Sign Convention for different systems to understand how the signs for different Account Class change when flowing from one system to other; and how the data should be reported to the Regulators via Axiom.
• Performed extensive requirement analysis including data analysis and gap analysis. 
• Participated in Usability Test to gather customer feedback based on their experience using the prototype. The information collected is utilized in writing and updating the BRD.
• Set up and facilitated meetings between Electronic Fraud Mitigation department and various business partners, such as Audit, Risk, Corporate Security, and AML, to progress with projects and close Audit findings.
• Conducted JAD session, various meetings and BRD reviews sessions with stakeholders.
• Wrote entire schedule of the Basel III Allowance for Loan and Lease.
• Led the Basel (Market Risk Amendment) standard specific risk calculator implementation effort ensuring compliance with new rule provisions (i.e. covered position definition and market risk).
• Generating business and technical requirements as well as the traceability matrices for the FRY 14 (CCAR) and FRY 9C (Call Report) data points to be used in the installation of Axiom.
• Extensively worked on the ETL mappings, analysis and documentation of OLAP reports requirements.
• Gathered Business Requirements, interacted with the stakeholders, developers, Project Manager and SME's and facilitated JAD sessions to formulate Business Processes.
• Extensive experience in conducting Risk Analysis, Impact Analysis and GAP Analysis and preparing traceability Matrix.

Confidential, Pittsburgh, PA

Sr. Business Analyst

Responsibilities:

• Proficient in Basel II and III compliance and Comprehensive Capital Analysis and Review (CCAR).
• Creating process maps, use cases, requirements and gap analysis documentation for JPM algorithmic trading workflow for regulatory reporting.
• Managed requirements from Global Business & Risk Management users.
• Involved in managing the data within finance to ensure adherence to consistent definitions, business naming standards, development of standard calculations, and security requirements per CCAR requirements.
• Involved in providing Cash - Flow-at-Risk analytics to Treasury department on quarterly basis.
• Proficient in Derivative SWAPs Post Trading and Pre-Trading activity monitoring and reporting exceptions for Dodd Frank Rules and Volcker Controls.
• Analysis and reporting for each individual regulatory reporting caption of the FRY 9C and FRY 14 Q from the Axiom reporting system.
• Worked with the technology team to develop a data model for creating a centralized trade repository and database to hold the data for Volcker.
• Obtained business requirements in form of user stories from users and stakeholders using JAD sessions, brain storming sessions, focus groups and personal interviews to get a better understanding of the client's business process.
• Served as User Acceptance Test Lead for the global Strategic Know Your Customer (SKYC) Anti-Money Laundering (AML) platform.
• Managed Regulatory-reporting expertise across numerous report forms, such as: FRY 9C.
• Performed financial and business analysis, cost-benefit and risk management in support of capital planning for investments.
• Processed, allocated & paid renewal invoices for most states while reduced annual operating costs for Legal & Compliance.
• Responsible for securities trading, account reconciliation, and cash management. 
• Managed the appropriate and timely resolution of Axiom incidents and ensure requests are logged in from live calls, email, and voice mail systems.
• Effectively managed business requirements by tracking changes, categorizing requirements into current phase and future phases, analyzing the impact of proposed changes, and updating the BRD.
• Supported OTC derivatives and Hedges trade capture or trade ordering requirements for system. 
• Performed gap analysis and prepared reports to identify applications and business processes that fell short of PCI standards.
• Responsible for Project Planning, Tracking, Risk management, Resource Management, coordinating tasks and Creating/Updating Status Report with TIC.
• Created requirements for FRY14 and interacted with the Axiom team to understand the data flow from station into Axiom.
• Established on-going processes to ensure that all new applications and procedures meet PCI standards using SDLC and Waterfall methodology.
• Independently conducted and analyzed quality assurance tests to meet PCI standards for department accounts.
• Performed data analysis in relation to the initial implementation of Basel III for the Lending Business with special emphasis on Leverage ratio.
• Managed change request for the Basel III Retail Application (IT, business, vendor change requests).
• Worked as part of the AXIOM team on the business rules and the change requests when there were changes from Dodd Frank.
• Conducted User Acceptance testing (UAT), Business Acceptance Testing (BAT) and gave business end sign-off for meeting functional requirements.
• Identify possible enhancements to AML monitoring tools and processes and communicate them to the Financial Intelligence Manager.
• Conducted GAP Analysis, SWOT Analysis, Cost Benefit Analysis, Risk Analysis and Impact Analysis.

Confidential, Wayne, NJ

Business Analyst

Responsibilities:

• Worked on various SQL server data migration and warehousing projects using ETL process.
• Proficient in modeling and financial statement analysis skills including a good understanding of commonly used valuation techniques.
• Ability to write and modify queries/procedures in Oracle PL/SQL environment for data analysis. 
• Managing projects for Contact Center Technologies under Technology Infrastructure and Compliance (TIC).
• Worked with Data Services team to create 200 reports and extracts in SAP Web Intelligence rich client for Controllers, Loans, Private Banking, Treasury, Compliance and Risk Management.
• Involved in Business analysis to define a future roadmap (hold, buy, enhance) for mission critical enterprise applications. Considerations included usage metrics, upstream and downstream feeds, financial and legal risk levels, capital market back - end system integration and reporting needs, vendor evaluations, and data de-duplication strategy. Tools used: HP ALM, Visio, Power Point, and Excel.
• Extensively used SQL queries to create views and stored procedures to cater ad-hoc reporting needs
• Assist in defining requirements for Dodd Frank initiative specific to the trade capture, processing, matching and outbound messaging of OTC derivative products, e.g. Credit Default Swaps, Interest Rate Swaps, Non-Deliverable Forwards.
• Actively participated in the ETL design reviews and ensured the proposed design met the requirements.
• Responsible for gathering and analyzing business requirements, analyzing the securities trading and order execution functional business processes, writing functional specifications, database design, data migration, writing specifications of back/middle office interfaces, report writing and implementation, preparing detailed documentation for all stages of the Systems Development Life Cycle, preparing use cases using Unified Modeling Language and Rational Rose.
• Developed system concept, interviewed business SME's to gather, analyze and manage requirements.
• Involved in various levels of testing like Smoke/Sanity, Functional, Regression, System, Security, End to End and UAT testing.
• Updated Procedural Documents for the Business Risk Management Department
• Create project management documentation following SLDC methodology for project planning and reporting.
• Managed SQL RDBMS, ability to read and understand data flow diagrams and ERD.
• Developed various artifacts including BRD, FRD, Mapping Specs, UAT Plan, RTM, User Manuals.
• Developed solutions to streamline the group's CCAR reporting process Performed System, Functional, Regression, Adhoc, Configuration, Compatibility, User Acceptance Testing (UAT).
• Interacting with the business users to gather requirements based on the CCAR Regulation for Financial Statements, Interest Rate, Credit Ratings, FRY9C and Investment Securities.
• Managed Credit Risk Modeling - provided data, developed and enhanced CCAR models for credit card delinquency and default loss forecasting.

Confidential, Manhattan, NY

Business Analyst

Responsibilities:

• Defined and developed business functional requirements and participate in technical walk - through meetings to develop the functional design for the implementation.
• Reviews data, establishes and performs quality control for FNMA and FHLMC modification loans on mortgages.
• Prepared Business Requirement Document (BRD), Functional Requirement Specification (FRS) document and Data Dictionary containing functional definitions and process details.
• Analyzed Cost Estimation methods for improving the capital planning process. 
• Organize and Chair UAT Meetings with Product Owners, develop UAT Schedule, assign and manage UAT Testers during test periods, report activities.
• Understand all the key business functions of the bank and processes and their interdependencies and relations.
• Understand and represent all the products offered by bank under various asset classes and business information relevant to them.
• Worked in cooperation with representatives from Requirement Development & Analysis team, IT team and QA team to discuss scopes and translate the BRD into User Stories, which will be utilized by the IT team to develop the code.
• Holding Joint Application Requirement (JAR) sessions with stakeholders.
• Enhanced and maintained the monthly funds transfer pricing / net interest income allocation process.
• Involved in audit space through onsite evaluations, offsite financial analysis and surveillance. 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.
• Involved in analysis and design of the application.
• Works together with Stakeholders and Project Managers gathering requirements to ensure the client's business needs are met.
• Involved in all phases of SDLC using scrum methodology.
• Outstanding ability to identify improvements and suggest changes to team members for overall productivity enhancement.
• 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.
• Developed, maintained and modified the monthly profit and loss flash process ensuring accurate and timely reporting between the front office, back office and general ledger systems.
• Developing the project plans and status reports as well as generating cost estimates and delivery dates with technology partners and internal resources.
• Coordinating QA and UAT testing with the assigned offshore resources.
• Extracted data from Oracle database with MS Access, and performed SQL query, data analysis and verification.
• Lead Business Intelligence reports development efforts by working closely with Teradata, and ETL team.
• Performed User story estimation, GAP analysis and priority analysis for the project.
• Involved in calls with stakeholders in understanding requirements and providing low level designs.
• Collaborating with various stakeholders to identify the feasibility/scope of the project and assisting in creating the BRD.