SUMMARY:

• Extensive experience CCAR Consultant/ Business Analyst of IT experience in Banking and Financial domain along with the specialization in CCAR, Dodd Frank and other financial regulations and experience in customizing financial services applications.
• Experience on CCAR, Basel II, Basel III, Dodd - Frank Regulatory Reporting FR Y-14A/Q Monthly, Quarterly, Annual, FRY9-C, DFA 165, DFA 165E and others required for banks for compliance reporting to various regulatory agencies.
• Performed analysis as part of annual Federal Reserve stress tests such as Comprehensive Capital Analysis and Review ( CCAR ) and Dodd-Frank Act Stress Test (DFAST) Have intimate knowledge of the line of business data to ensure Instruction changes have minimal impact to CCAR Schedule.
• Experienced in CCAR Regulatory Reporting and CCAR Stress Testing for Banking Balance Sheet Asset management.
• Implemented the Data Governance/ Data Quality program for various source systems that are used for Basel III Capital calculation.
• Expertise in Project Management i.e. Project Scoping, Planning, Estimating, Scheduling, Organizing, Directing, Controlling, Budgeting and Drafting Remedy Procedures.
• Present project included working within the Counterparty Credit Risk team as a Business Analyst focusing on CCAR and GMS (Global Market Shocks).
• Implemented business logic, data lineage mapping and traceability for Dodd Frank regulatory reports: Monthly and Quarterly FR Y 14 and Quarterly Call Reports (FFIEC031, FFIEC 041, FR Y-9LP & FR Y-9C).
• Extensive experience in developing & creating Screen Mockups, conducting Gap Analysis and Impact Analysis, SWOT analysis, Cost Benefit Analysis, Risk Analysis.
• Expertise in broad range of technologies, including business process tools such as Microsoft Project, MS Excel, MS Access, MS Visio, technical assessment tools, Micro Strategy Data Warehouse Data Modelling and Design.
• Extensive experience in Requirements Gathering, Surveys/Questionnaire Development, Business Requirement Documents (BRD), Functional Requirement Specifications / Documents (FRS/FRD).
• Expertise in facilitation of interviews, conference, workshops in Joint Requirement Planning (JRP), Joint Application Development (JAD) and Rapid Application Development (RAD) sessions.
• Familiar with SIPOC diagram Six Sigma, RACI Charting, facilitation of Kaizen events.
• Strong Knowledge and experience of Agile, RUP's Iterative Software Development Life Cycle (SDLC), Waterfall processes, Object Oriented Analysis and Design (OOA/D).
• Responsible for applying regulations based on Basel III, which further can be implemented into DFAST and CCAR, which help to project Liquidity Impact.
• Member of strategic team responsible for implementing Federal Reserve Board's Comprehensive Capital Analysis and Review ( CCAR ) supervisory stress testing program.
• Knowledge of Business Intelligence and Data warehousing tools such as Cognos, Tableau, and Informatica.
• Extensive experience working with Business Intelligence data visualization tools with specialization in Tableau Desktop, and Tableau Server.
• Incorporated interest rate data for CCAR (Comprehensive Capital Analysis & Review) reporting. Implemented aggregation logic to integrate IRRM data due to data granularity differences with CCAR .
• Strong understanding of finance requirements and regulatory compliances, CCAR Regulatory Reporting, Basel II, Dodd Frank Act, Bank Secrecy Act, Customer Identification Program (KYC).
• Expert at Risk Management by Risk Identification, Impact Assessment, Prioritization Analysis, Risk Tracking and Mitigation with monitoring of whole
• Highly skilled in liaising between top management, development and Quality Assurance team for requirements.
• Lead JAD sessions with corporate tax department and all source system SME's and prepared FRS for FATCA Reporting project.

PROFESSIONAL EXPERIENCE:

Sr. CCAR Business Analyst

Confidential, New York, NY

Responsibilities:

• Coordinated with Finance & Regulatory Report Automation Project (Dodd Frank and Call Reporting Process) designed to enhance production efficiencies while decreasing operational risk by using automated reporting application AXIOM SL.
• Implemented business logic, data lineage mapping and traceability for Dodd Frank regulatory reports: Monthly and Quarterly FR Y 14 and Quarterly Call Reports (FFIEC031, FFIEC 041, FR Y-9LP & FR Y-9C) for Federal filing 2015 & 2016.
• Created custom monthly report whole sales and retail banking (First lean mortgage, Home equity loans, Auto loans, Small business loans and other consumer loans) for different loan services used by the bank.
• Worked with other line of business on initiative of identifying, researching, and rectifying gaps and discrepancies in regulatory reporting application Axiom.
• Accounted in leading Business Acceptance Testing ( BAT) team and finance team in implementing of logic deployed to populate regulatory reporting schedules
• Created Test Data according to Axiom Mapping Logic and Filteration Logics of the FFIEC 031, FFIEC 041, FRY 14M/Q as per the required Schedules (Schedule A, A2, A7 A9)
• Created Blank Instances from Source Maintenance - Axiom Controller View for the FFIEC 031, FFIEC 041, FRY 14M/Q Reports.
• Performed Enrichment according to the appropriate Project, Branch and Workflows for the FFIEC 031, FFIEC 041, FRY 14M/Q Reports.
• Ran the Report in Axiom Controller View Tool to view the Output of the FFIEC 031, FFIEC 041, FRY 14M/Q forms.
• Analyzed different source systems ( AMLN, LoanIQ, ACBS, Credit Cards - Target, Maestro, Shaw) and identified the reporting data elements required to report to Dodd Frank and Call Reports.
• Worked as part of the AXIOM team on the business rules and the change requests when there were changes from Dodd Frank.
• Coordinated the Results with the Superiors and logged Defects where necessary with the Defects Team.
• Prepared Daily Status Report in QC with Graphs for Senior Management for Decision Making.
• Responsible in adding new Project Releases in QC/HP ALM.
• Responsible for the entire teams Defect Management in QC/HP ALM.
• Acted as the Point of contact of Confidential Technology to Outside Partners: TSYS Team, 3rd party vendor - Argus and Internal Departments - TD BLDM, EBX.
• Resolved issues and problems face by the Development team in receiving the transmitted Test Files from Upstream partners.
• Coordinated the UAT Testing efforts/updates between the Testing Team and the Business Team.
• Worked independently in Files Transmission process between upstream and down stream partners. (Target, TD EBX, TSYS and Argus)
• Coordinated the testing needs to the Client, on types of Test File needed, format issues and frequency if it's a Daily or Monthly Test File.

CCAR Consultant / Sr. Business Analyst

Confidential, Manhattan, NY

Responsibilities:

• Cooperated with CCAR team on delivering of the Basel capital regulatory results to serve the CCAR various reporting forms.
• Managed team on various senior management queries consisting of risk validations and Basel 3 rule changes.
• Worked on CCAR 14Q report for new FRB requirement like Disposition Loans, Disposed Scheduled Shift & Syndication Loan.
• Created efficiencies which allowed expanding the role to include Compliance and Internal Audit initiatives.
• Interacted with country user, operation, risk management, product control, finance and other stakeholders to capture business requirements and involved in creating enterprise level flows and timelines.
• Maintained audit controls for SOX compliance and GAAP accounting and business practices.
• Worked in partnership with the KYC technical team to translate implementation options into detailed Functional Requirement Specifications and Technical Requirement Specifications.
• Conduct oversight and ongoing training to the Compliance testers on the expectancies with testing assessments for each operation process.
• Maintain OFAC Compliance Subject Matter Expertise and responsible for managing sanctions risk, and advise businesses on OFAC matters.
• Responsible for filing the weekly blocks/rejects report to OFAC, adhoc reports and processing the future payment interdiction requests received from OFAC.
• Reviewed and analysed Suspicious Activity Reports (SAR) narratives completed by AML investigators.
• 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, and perform AML risk assessment when required.
• AML MANTAS Version upgrades from Version 5.5 to 5.8 on solution sets of AML/TC and Involved in setting up new MANTAS 5.8 environment
• Spearheaded End-User Computing (EUC) testing on new MANTAS detections scenarios, resulting in the identification and revision of errors impacting the rollout of these scenarios.
• Assisted in creation of presentation decks for distribution to the audit committee which detailed quarterly progress in relation to the annual audit plan and communicated with the company's external auditors on manual control related matters and SOX test procedures.
• Involved in creation of new jurisdiction (US/UK/DE) using Mantas Development kit, configured threshold/dataset/scoring algorithm
• Partner with IT to develop remediation strategies for audit findings and to manage the remediation process to completion for PCI, SOX, and access review processes.
• Lead on the data sourcing effort for Retail Schedules pertaining to CCAR and the FR Y 14Q reporting to FED.
• Assisted the execution of CCAR stress testing framework including gathering requirements of multiple stress scenarios and defining data elements required by stress tests.
• Supported CCAR and BASEL data acquisition teams to validate and reconcile data coming from various systems.
• Involved in BCBS239 implementation for BNPP regulatory reports such as FRY-9C and CCAR.
• Performed analysis as part of annual Federal Reserve stress tests such as Comprehensive Capital Analysis and Review (CCAR) and Dodd-Frank Act Stress Test (DFAST).
• Assisted on CCAR model validation enhancement, including PPNR models, Y14Q and Y14A models.
• Extensive knowledge of financial statements, accounting principles, derivatives, capital market, portfolio analysis, amortization, cash, deposits, risk management, credit risk, market risk.
• Involved with regulatory submission and internal audit requirements which were properly gathered and identified from the Subject Matter Entities (SMEs) via meetings, phone interviews, workshops, surveys, site visits, and JAD sessions.
• Worked extensively with onsite/offshore development teams during whole development cycle.
• Meticulously addressed every detail to ensure a successful end-to-end business process.
• Develop and manage business, design and end user requirements for strategic Basel 3 Standardized CCAR stress testing.
• Assigned overall responsibility to track the learning and practical experience for professionals serving SEC clients.
• Supported applications, client interfaces, development teams, project and change management to realize value from Oracle/Kofax system changes and development.
• Requirements gathering, gap analysis, design, coding, testing and implementation of ETL Informatica maps for MANTAS and changes for MANTAS feeds
• Coordinated the learning programs in accordance with the Global Audit Curriculum, Global IFRS Curriculum and Global Audit US Standards Curriculum (SEC).
• Conducted multiple gap analysis against Basel II, II.5 and III rules. Validated Basel II framework, including internal rating systems (PD, LGD, EAD models) and RWA calculation.
• Responsible for translation of PPNR to interest income, non-interest-income, net-interest-expense and transfer pricing and developed an internal audit program resulting in an overall 60% decrease in error rates and an increase in claim processing up to 40%.
• Responsible for different Data mapping activities from Source systems to Teradata.
• Worked on data modeling using ERWIN tool to build logical and physical models.

Business Analyst

Confidential, Chicago, IL

Responsibilities:

• Worked as business analyst to support the redesign of the Mortgage Asset Management System.
• Extensively involved in the development of Reporting Data Warehousing System.
• Designed the business requirement collection approach based on the project scope and SDLC Methodology.
• Facilitated and managed meeting sessions with committee of SMEs from various business areas including Mortgage Servicing, Loan Monitoring and Asset Management.
• Developed business process models in RUP to document existing and future business processes.
• Performed extensive requirement analysis including Data Analysis and Gap Analysis.
• Developed Business Requirement Specification Documents as well as high-level project plan.
• Designed and developed all Use Cases and UML models Sequence Diagrams, OOD using UML.
• Designed and implemented basic SQL queries for QA testing and report / data validation.
• Established a business Analysis methodology around the RUP (Rational Unified Process).
• Developed requirement reports for day-to-day Retail Banking needs for Opening Account, Online Banking.
• Developing strategic partnerships with the business unit to develop a solid knowledge base of the business line, including the business plan, products, process and revenue streams.
• Worked with marketing team in knowing what exactly bank's client wants.
• Conducted Joint Application Development (JAD) sessions with stakeholders throughout SDLC to resolve open issues.
• Analyzed research on operational procedures and methods and recommend changes for improvement - with an emphasis on automation and efficiency.
• Conducted benchmarking activities to identify best practices.
• Used Rational ClearCase and ClearQuest as Configuration Management and Change control tools.
• Performed User Acceptance Testing (UAT).
• Full knowledge of most phases of the Systems Development Life Cycle.
• Ability to work with all members of the project team, following the project through the Systems Development Life Cycle and ensuring business objectives are met (extensive project life cycle experience).