PROFESSIONAL SUMMARY:

• Experienced in Business Analyst/Business System Analyst with over 7+ years of comprehensive exposure in financial Banking with solid understanding of Business Requirements Gathering, Evaluating Data Sources, and Translating Requirements into Specifications, Application Design. 
• Strong knowledge with AML, Basel II and III, Dodd - Frank/ Volker Rules and CCAR, Dodd-Frank Regulatory Reporting FRY-14A/Q Monthly, Quarterly, Annual, FRY9-C, FFIEC 041, FFIEC 031 reports, DFA 165, DFA 165E and others required for banks for compliance reporting to various regulatory agencies.
• Understanding of US Risk & Compliance Regulations - CCAR, Dodd-Frank (DFA), Basel, FACTA etc. Sound understanding of Reg Sho, Ticket Marking, Wash Sales and Suspicious Trade Activity.
• Extensive experience with Capital Market, Portfolio Management, Credit Risk, Credit Rates, Market Risk, Operational Risk, ACH.
• Strong knowledge with Basel III, CCAR, KYC rules and regulations. Expertise in Serving as Data Validation and serving as SOX application migration.
• Knowledge of Basel II/III, CCAR, DFAST, PPNR, ALLL, Credit Risk, Market Risk/Liquidity Risk Modeling and Management, PD/LGD/EAD modeling, Quantitative Approaches including General Linear Regression (GLM), Time Series Analysis (ARIMA/ARCH/GARCH), Decision Tress, Classification and Cluster Analysis, Principal Component Analysis (PCA), Monte Carol Simulation, and Vector Auto Regression (VAR).
• Planned, scoped, developed, and led internal audit for risk management, PPNR and CCAR. 
• Plan, develop, manage and execute CCAR/DFAST Audits covering, FRB MRIAs, strategic CCAR implementation, Model Risk Management, 14A / 14Q filing as well as Wholesale Advanced IRB, Retail Advanced IRB, Traded Products, Risk Weighted Assets (RWA), for compliance with the U.S. Basel II. 
• Working on regulatory reporting framework and Reporting domain projects like Basel Reporting, CCAR, and Liquidity Reporting. 
• Gather CCAR, PPNR and supplementary metrics (FRY-14, FRY-9C) forecast from different business units.
• In charge of execution of a variety of Corporate Treasury and Capital (inclusive of Basel) audit projects (i.e. enterprise-wide stress testing (including the Comprehensive Capital Analysis Review (CCAR) and Dodd-Frank Act Stress Test (DFAST), capital management, asset/liability management, liquidity risk management, market risk, investment portfolio, derivatives, etc.) that support the execution of the Audit Committee's approved plan.
• Provide Annual Regulatory reports of the clients on CCAR and Dodd-Frank Act.
• Assist in the development of loss forecasting models/tools related to Comprehensive Capital Analysis and Review (CCAR) program.
• Supported in the verification and validation of RWA (Risk Weighted Assets) calculation processes redefined based on the guidance of Basel 2.5 for CCAR project
• Established and maintained effective working relationships with auditees and senior business leaders to ensure optimum sharing of information between the business and Internal Audit. 
• Expert Knowledge in the procedures of Banking & Regulatory Compliances - Anti-Money Laundering (AML), Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC) Guidance.
• Performed enterprise-risk assessments as part of both the Internal Audit function and SOX compliance to identify and mitigate significant risks.
• Proficient in accounting and Generally Accepted Accounting Principles (US GAAP). 
• Provided advisory services for the business and functional owners of their CFTC/Dodd-Frank regulatory requirements simultaneously meeting testing obligations interacting with surveillance and risk group
• Strong understanding of Market Risk factors - VAR/SVAR (Value at Risk), IRC (Incremental Risk Charge), SSR (Standard Specific Risk) and DeMinimis Exposures
• Understanding of RWA (Risk Weighted Asset) under Standardized and Advanced Basel approaches. Ability to calculate RWA from Market/Credit exposures
• Wrote SOX compliance internal controls for Revenue Audit Department and coordinated all other departments implementation.
• Deep understanding and experience of Investment Management, Asset Management, Prime Brokerage Services, Money and Capital Market Instruments. 
• Gathered requirements for designing and developing functional solution to compute and measure Market Risk/ Counterparty Credit Risk for all asset classes in bank. 
• Act as subject matter expert in dissemination of Risk Models (Dodd-Frank, Basel Regulatory Capital.
• Functional Specifications, Project Scoping, Project Planning, AS IS vs TO BE analysis, Gap & SWOT Analysis 
• Highly experienced in creating the requirements artifacts, Business Requirement Document (BRD), System Requirements Specification (SRS), Use-cases, Functional Requirements Document (FRD), Technical Requirements Document (TRD) and Change Requests Planning (CRP). 
• Created Use Case Diagrams, Activity Diagrams, Sequence Diagrams, Dataflow Diagrams in MS Visio. 
• Designed functional specifications for customization of credit card functionality in Accounts Receivables. 

HIGHLIGHTED SKILLS:

• Risk Management (Market Risk), 
• CCAR, 
• FRY 9C,
• FRY 14M/Q/A,,
• Risk Control,
• DFAST (Dodd Frank)FRS,
• GAAP, 
• FFIEC 002,
• FRY14Y,
• FFIEC,
• RWA,
• Risk Analysis,
• SOX Compliances ,
• OCC DFAST,  
• Internal Audits & Regulatory Compliance,
• VaR,
• Stress,
• Limits,
• Sensitivities,
• Governance,
• Compliance,
• BCBS239,
• Regulatory
• Reporting,
• BASAL I, II, III,
• BA,
• PM,
• PMO,
• Dodd-Frank Act,
• FFIEC031,
• FFIEC 041,
• FRY-9LP & FRY-9C,PPNR.

PROFESSIONAL EXPERIENCE:

Confidential, Washington, D.C.

Sr. Business Analyst

Responsibilities:

• Updated and modified the production code according to the dynamic requirements, which are dependent on the scenarios like CCAR Base, CCAR Adverse, and CCAR Severe.
• Responsible for the Management reporting, financial planning, month-end closing and reporting of Profit & Loss, Balance Sheet and Financial Statement to the internal management.
• Recommended specific fixed income products to fit client needs based on desired weighted average life, duration, yield, OAS analysis.
• Created and updated Dodd-Frank, CCAR and Basel presentations to Firm Management and various regulatory bodies
• Manage Risk program planning and resource allocation for CCAR Risk model, procedure, and governance development.
• Defined roles & responsibilities, project planning, target operating models for CCAR production and ongoing monitoring
• Drove data enrichment, unification, attestation, edit checks and validation logics; defined roadmap for central reporting integration with work stream automation tools with multilateral data exchange with PPNR, tax, goodwill, market risk, credit risk, balance sheet, Basel I and Basel III work streams.
• Developed good practices for risk modelling procedures related to CCAR/DFAST. 
• Experienced with the procedures of Banking & Regulatory Compliances - Anti-Money Laundering (AML), Customer Identification Program (KYC/CIP), CCAR Regulatory Reporting, Dodd-Frank Act. 
• Wrote SOX documentation on processes and perform UAT testing for SOX on upgrade and new installations 
• Presented to CPWG, CCAR work streams, Risk, Finance, and Technology management
• Represent Risk in US CCAR Model Review Group, Model Risk Governance Committee, CCAR Governance Committee.
• Experienced with agile and waterfall Software Development Life Cycle (SDLC) methodologies and modeling techniques such as Use Cases, Activity Diagrams, Workflow and State diagrams. 
• Management of forecast documentation delivery for CCAR/DFAST. 
• Implemented business logic, data lineage mapping and traceability for Dodd Frank regulatory reports: Monthly and Quarterly FRY-14 and Quarterly Call Reports (FFIEC031, FFIEC 041, FRY-9LP & FRY-9C) for Federal filing 2015 & 2016.
• Manage trading MTM and counterpart CVA loss model enhancements for CCAR\Launch and participate in Model Review Group for CCAR to standardize review of stress testing development across Finance, Risk, and Treasury
• 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.
• Managed Sarbanes Oxley compliance, interfaced with external auditors, performed internal control audits.
• Experience on Basel II Regulatory (FFIEC) Reporting and performed operational and compliance audits including risk assessment to assess adequate and effective internal controls, including compliance with SOX 404, BSA/AML/OFAC regulations, BASEL I & II Rules.
• Planned, budgeted, and performed all phases of audits. Performed documentation and testing on all critical processes including revenue recognition, inventory, treasury, taxes, and the entity-level control environment.
• Interacted with different businesses in RBC to identify the source of the data in order to satisfy the requirements of PPNR schedules for FRY14Q and FRY14A.
• Organized and managed various tax audits.
• 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.
• Using detailed knowledge of application features and functions assess scope and impact of business needs throughout analysis and completion of all enhancement specifications
• Key analyst and contributor for early projects in the ETL and multi-dimensional database technology area
• Involved in Risk-Management Process, whereby identified critical areas of business risk and modified the business process to reduce the same.
• Prepare and analyzed profit and loss statements for various business units and lines of business.
• Effectively manage and develop the department's capital, instilling a high performance culture in order to achieve objectives and retain talent.
• Designed and optimized indexes, views, stored procedures and functions using T-SQL.

Confidential, Northbrook, Illinois

Business Analyst

Responsibilities:

• Performed financial risk stress testing and integration of model outputs for Dodd-Frank Act Stress Testing (DFAST) Comprehensive Capital Analysis and Review (CCAR).
• Risk Consulting with emphasis on Governance, Risk & Compliance (CCAR, Basel, BCBS)
• Participated in regulatory capital projects like Basel III and CCAR implementation for the FCM business.
• Work experience in Risk Control, DFAST (Dodd Frank), CCAR and other regulatory reporting process. 
• Performed detailed analysis of CCAR FRY 14M/Q/ for wholesale, trading, counterparty and PPNR Schedules to understand the reporting requirements.
• Participate in the discussions and technology initiatives in the Equity derivatives platform as a result of Dodd Frank Act and Stress Test (DFAST) such as Central repository, Volcker rule and Comprehensive Capital Analysis Review (CCAR). 
• Analysis and design of CCAR (FRY 14Q and FRY 14M - all schedules), FRY 9C (few schedules), FFIEC102, etc. report requirements in AXIOM. 
• Developed CCAR models, econometric models based on macroeconomic and business variables.
• Validated and reviewed CCAR quantitative frameworks (Asset Management, Corporate & Investment Bank)
• Focused in the area of Comprehensive Capital Analysis and Review (CCAR) Reporting, Governance Risk & Compliance (GRC) and Dodd-Frank Regulatory Reporting.
• Assisted in compiling and presenting CCAR audit results and recommendations to Enterprise Risk Manager.
• Analyzed different types of Risks such as Credit Risk, Market Risk etc. and developed the test scripts with all these parameters to analyze the securities.
• Responsible for drafting/editing qualitative components (subsidiary governance and capital policies)
• Supervise stress testing process and socialize results to C level management.
• Develop/Coordinate regulatory response to international regulatory questionnaires and surveys (including HKMA, RBI, CNBV, MAS, BOT)
• Responsible for executing on project management efforts for PPNR and balance sheet projections over nine quarter horizon
• Assisted in the preparation for year-end financial statement audit and Led the year-end inventory check as part of the audit procedure.
• Performed data analysis, data reconciliation and data retrieval from various systems along with identification of data gaps and data quality issues for Basel II Credit Risk Mitigation System (CRMT)
• Ensure data integrity and accuracy with other regulatory submissions (FRY 9C, FRY 14A, FRY 14M, GL system, etc)
• Participated in SOX compliance trainings to develop workflows and understand gaps for implementing compliance where needed.
• Assessed Credit Risk strategies with various internal credit tools and implemented Basel II strategies to augment Credit availability.
• Reconciles general ledger on a monthly basis against the project's cost record.
• Develop queries and review results with internal business areas in preparation for internal and external audits 
• Participate in reviewing internal controls with internal audit departments.
• Communicated effectively with external clients and internal teams to deliver product's functional requirements relating to the Dodd-Frank Protocol agreement.
• Identified and analyzed business problems and Documented the procedure and policies related to the FRY-9C and FRY-14 reporting. 
• Performed Regression testing/validation of inbound/outbound data feeds both at the database level as well as through the functional user interface using Quality Center (Mercury) suite.
• Identified, prioritized and developed detailed use case scenarios
• Diagrams and Activity diagrams using MS Visio according to UML methodology.
• Monitor Report Requests through internal web application. Developed T-SQL codes to create and generate both routine and Ad hoc requested data report requests.
• Performed Penetration testing to ensure the security of the application at different levels of data management.
• SQL Server) which has to be carried out on a monthly as well as on a quarterly basis.

Confidential, Virginia

Business Analyst

Responsibilities:

• Regulation and Risk management Basel III. Dodd-Frank - Understanding of Credit Risk, Market risk and Operations risk, ICAAP Process. Regulatory experience in CCAR, BASEL III, and Interest rate risk, BCBS 239, PPNR, Dodd-Frank, etc. 
• Support fixed income trading systems for front middle office operations for static security data systems.
• Supported CCAR and BASEL data acquisition teams to validate and reconcile data coming from various systems 
• Gather CCAR, PPNR and supplementary metrics (FR Y-14, FR Y-9C) forecast from different business units
• Perform business analysis for sourcing the data to support the regulatory reporting requirement for FRY 14Q, 14 M, and 14 A schedules.
• CCAR and cooperated with CCAR team on delivering of the Basel capital regulatory results to serve the CCAR various reporting forms.
• Developed models used for CCAR (Fed) Stress test, and methodologies used in forecasting models (Seasonality Index, Recovery Rates) and checked accuracy and readiness of forms FFIEC 031, 041, FRY-9C, etc. for quarterly filing.
• Manager directing a Comprehensive Capital Analysis and Review (CCAR) audit and issue validation engagement, focusing on remediating a client's capital planning, stress testing and broader risk based procedures and controls.
• Support the timely remediation of issues, including internal and external audit observations and regulatory findings.
• Extensive experience working on trend reports, service provider functionality, sample assessment, online business intelligence, fleet management systems and capital markets.
• Monitor and audit work completed by peers in order to ensure accuracy and identify trends in errors. 
• Implemented Income Statement, Balance Sheet, OTTI (AFS&HTM securities), CCR and PPNR schedules. 
• Also prepare monthly general ledger account reconciliations regarding fixed assets, inventory and inter-company accounts. Prepare various monthly journal entries and financial statements.
• Captured Data flow diagrams and formatting of the data flowing through interfaces.
• Utilized corporation developed Agile SDLC methodology. Used Scrum Work Pro and Microsoft Office software to perform required job functions.
• Develop SOX policies and procedures that will need to be implemented to be ready for initial and subsequent SOX audits.
• Report daily transactions to and work in conjunction with internal auditors to assure compliance
• Providing assistance to clients on the process and procedures relative to Asset Management functions;
• Collaborate with subject matter experts to draft, review, and refine process and procedure documentation in compliance with
• Created Interface test cases, report test cases, expected results validation, defect tracking using clear quest, version control using Clear Case VOB.
• Participated in requirement analysis by referring BRD, FRD, FSD, Process flows and Use cases.
• Worked in project which used Agile and waterfall SDLC frameworks.
• Incorporated Rational Unified Process (RUP) to create Business Requirement Document Specifications using MS Visio and MS Word and involved in Planning, organizing the activities of GL, AP, AR, Cash management and consolidation. 
• Ensure trades are reported to the Dodd-Frank regulators in a timely manner, troubleshooting, testing etc.
• Working with clients to set up their Dodd-Frank classifications, configurations, reporting preferences
• Participate in Dodd-Frank conferences with stakeholders in Australia, Hong Kong and U.S.
• Attend Dodd-Frank monthly meetings with in-house attorneys.
• Proactively communicate implementation status reports, issues and risks.

Confidential, Mellon, Pittsburgh

Business Analyst

Responsibilities:

• Conducted Joint Application Development Sessions (JAD) session with business people, stakeholders, SMEs, developing team as well as QA teams to gather high level requirement and in the meantime conducted discussion sessions with the Development and the QA teams about the requirements' feasibilities according to the system.
• Gathered Business and Functional Requirements based on Waterfall SDLC methodology.
• Created Use Cases Diagrams, Use Case Narratives, Activity Diagrams, Class Diagrams, and Collaboration Diagrams using UML modeling tools like MS Visio.
• Developed/maintained all project communication deliverables including road map, planning list, change request, time line, scope and requirements.
• Responsible for gaining a good understanding of user needs and accurately representing them in a well-documented software functional specifications document (FSD)
• Gathered Business Requirements, interacted with users, designers, developed, project manager, and QA to get a better understanding of the Business Processes.
• Documented the Business Requirements Document (BRD) and the Functional Requirements Document (FRD)
• Maintained a Traceability Matrix (RTM) to ensure that all Functional Requirements are addressed at the Use Case Level as well as the Test Case Level.
• For the downstream applications, Created System Requirements Specifications (SRS) Data Requirements (DRD), Universe Requirements Document (URD), Source to Target Mapping (STTM) documents for Data modeling and Data Lineage purposes.
• Worked on Business Process Flows, UML modeling, Use Cases.
• Assisted in designing test plans and test cases for User Acceptance Testing (UAT) to improve the overall quality of the system.
• Gather and analyze business requirements from the business people and key stakeholders.
• Developed/maintained all project communication deliverables including roadmap, planning list, change request, timeline, scope and requirements.
• Worked on Rational Rose to develop the use cases, class diagrams and sequence diagrams.
• Worked on Requirement Change Management System in Rational Requisite Pro.
• Responsible for executing User Interface Testing, System Testing, Data Quality Testing on the configuration design and prototypes.
• Provided AGILE project management controls, project plans, timeline schedules and review software defects.