SUMMARY:

• Business Analyst with 7+ years of experience across global industry in requirements gathering and analysis, business process flow, in multinational and multi-vendor environments.
• Senior  Business Analyst with experience in implementation of  CCAR regulations, Volcker Regulatory Reporting, Risk Management, Financial Pricing and Planning, Software Development Life Cycle,  Business and Financial Models, Regulatory Reporting FR Y-14A/Q, FR Y9, FFIEC 041, FFIEC 031 reports , Dodd Frank ( Dodd-Frank Act Stress Test ) and SOX. 
• Worked on CCAR Credit Risk Model validation of retail and commercial portfolio for the Bank's Business lines. Complete model validation - Input data, Methodology, Code implementation, Statistical Test, back testing and reporting.
• Review and identify bank processes procedures that may be impacted by implementation of new data architecture necessary to exceed CCAR data testing benchmarks.
• Strong experience in  Business and Enterprise Data warehouse analysis,  CCAR reporting, Regulatory Reporting FR Y-14A/Q, Data Profiling, FR Y-9, FFIEC 041, FFIEC 031 reports , Dodd Frank ( Dodd-Frank Act Stress Test ), Data Analytics Data Testing and Enterprise Data Warehouse and  Business Intelligence Projects. 
• Techno-commercial acumen in bridging the b usiness gap with incisive knowledge of Basel II & III, Treasury, Risk Compliance & Regulatory Reporting ( CCAR, FDIC and COREP) 
• Excellent Knowledge in the procedures of Banking & Regulatory Compliances - Anti-Money Laundering (AML): Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC) Guidance, Customer Identification Program (KYC/CIP); Basel III, Dodd-Frank Act and  CCAR. In depth knowledge of Agile, RUP, Waterfall, Regulatory Reporting FR Y-14A/Q, FR Y9, FFIEC 041, FFIEC 031 reports and Dodd Frank ( Dodd-Frank Act Stress Test ).
• Experience in  CCAR - Credit, Operational and Market Risk and FR Y 14 M/Q/A reporting.
•  Knowledge on  CCAR, Basel II, Basel III, Dodd-Frank Regulatory Reporting FR Y-14A/Q Monthly, Quarterly, Annual, and others required for banks for compliance reporting to various regulatory agencies. 
• Excellent Business writing skills in writing Business requirements document BRD, Use Case Specifications, Functional Requirement Specifications FRS, Software Design Specification SDS, Software Requirements specification (SRS), Software External Specifications SES, Software Requirement Document(SRD), Data Dictionary, Business Continuity Plan (BCP), Work flows and Unified Modelling Language (UML) diagrams such as Activity diagrams, Class diagrams and Sequence diagrams.
• Performed data analysis by accessing the data using queries or reporting tools, including mapping the business functions to the data and data model, data reconciliations, gap analysis.
• Full understanding of Rational Unified Process (RUP) using Rational Rose, Requisitepro, Unified Modelling Language (UML), Object Modelling Technique (OMT).
• Collaborate with Finance Change and Regulatory teams with a strong knowledge of financial products with reporting/analytical skills as well as d ocumented and assisted in training of end users with automated Regulatory filing.
• Experienced in all financial instruments within investment banking and Brokerage environments (Equity, Fixed income, FX, Derivatives, Securities, Commodity trading, Mutual Funds, Options, Swaps, Asset Backed Securities, SWIFT Messaging Hedge Funds).
• Experience in Competitive Analysis, Data Analysis, Gap Analysis and understanding of ROI Analysis, P&L Analysis, SWOT Analysis, Impact Analysis and Cost-Benefit Analysis.
• Extensive experiences in Investment Banking projects specialized in Securities Trading (stock trading, fixed income trading, and derivatives trading), wealth management and risk management.

PROFESSIONAL EXPERIENCE:

Confidential, Newark, DE

CCAR BUSINESS ANALYST

Responsibilities:

• Documented trade order lifecycle for all instruments, equities, equity options, structured products FX, equity derivatives, Fixed Income, treasury bonds, Auction Rate securities including corporate and municipal bond debt instruments, Variable rate Demand and Preferred, Dutch Auction Securities, OTC derivatives, Structured products, Money Market instruments, FX, Asset-backed securities, alternatives investments with exposure credit risk involved.
• Review Risk Exposure calculation for key metrics for different LOBs like Card Auto and Loss forecasting for Basel, CCAR and Draft Requirements Define and establish attribution analysis for analysing the changes in forecasted RWA changes with respects major Risk factor. 
• Performed documentation such as Regulatory Reporting FR Y-14A/Q, FR Y9, FFIEC 041, FFIEC 031 reports and Dodd Frank ( Dodd-Frank Act Stress Test ).
• Collaborated in the implementation of a risk management framework to ensure corporate functions are following the Federal Reserve's Comprehensive Capital Analysis Review ( CCAR ) regulatory requirements. 
• Worked on a Risk Management System, which supplies users with intra-day and end-of-day speeds, status of modelled bonds, as well as credit and market risk information.
• 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.
• Track agency obligations and expenditures using the automated Comprehensive Cost and Requirements (CCAR) System.
• 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.
• Involved in test evaluation process for Annual and monthly risk reporting and Risk data council meeting result, affirmation and execution followed for federal reporting requirement under CCAR testing. 
• Ensuring the data quality by checking the completeness, consistency and accuracy of risk data for regulations of BASEL III and Comprehensive capital analysis and review( CCAR )
• Gathered  CCAR PPNR and supplementary metrics (FRY 14) forecast from different  business units.
• Supported  CCAR and BASEL data acquisition teams to validate and reconcile data coming from various systems. 
• Responsible for reviewing business and individual tax returns and financial statements per GAAP and IRS credit policies.
• Performed financial statement analysis and financial modelling for assigned corporate borrowers, assessing credit, financial, business, industry and regulatory risks.
• Undertaking credit decisions up to a certain amount for new and existing accounts and contributes to decision making on credit management aspects above a specified level.
• Utilized corporation developed Agile SDLC methodology. Used Scrum Work Pro and Microsoft Office software to perform required job functions.
• Performed requirements modelling and develop analysis diagrams, activity diagrams, sequence diagrams, state diagrams, data models, and use-case realizations using RUP tools in Agile.
• Provides expertise on structuring new capital market investment funds, specifically, leveraged investment funds (including the refinancing of existing funds).

Confidential,  New York City, NY

CCAR BUSINESS ANALYST

• Completed Project Status Reports & led PMO meetings to update senior management and other stakeholders on the progress, issues and deliverables of the project.
• Execute multiple listed equity cash trading strategies that include volume-weighted and time-weighted average. Interacted with Business owners to understand the current process and to provide suggestions to optimize using Autopsy and Data stage.
• Cooperated with CCAR team on delivering of the Basel capital regulatory results to serve the CCAR various reporting forms.
• Worked on CCAR FR Y-14Q report for new FRB requirement like Disposition Loans, Disposed Scheduled Shift & Syndication Loan. 
• 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, FR Y-14Q and FR Y-14A models.
• From CCAR Dashboards by mapping MDRM keys validated each of the line items in FR Y-14A Summary report (Standardized and Advanced). 
• Assisted the execution of CCAR stress testing (Dodd-Frank Act Stress Test) 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. 
• Assisted the execution of CCAR stress testing framework including gathering requirements of multiple stress scenarios and defining data elements required by stress tests.
• Provided analytical and execution support for the Treasury team in areas of investments, FX, bank fees, and counterparty.
• 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)
• Assured that all Artefacts are following corporate AGILE Policies and guidelines.
• Worked on Project status to stakeholders and senior management with respect to cost overruns, timelines, risk status etc.
• Closely involved in planning and execution of all the testing phases including UAT (onsite), proactively performed thorough reviews of System/UAT test-cases and data-sets.
• Partner with Functional/Development leads to ensure timely delivery against project schedules.
• Perform Certification Testing and Prepare Build Release Notes, preparation of Software Requirement Specifications, preparation of Requirements Traceability Matrix.
• Responsible for completing monthly consolidation packages including full balance sheet reporting, Net Cash Variation value, Income Statement and analysis of main financial mo vements including but not limited to Net Equity, Fixed Assets and Amortization and bonus analysis.

Confidential, Dallas, TX

BUSINESS ANALYST (CCAR)

• Collaborated closely with Investment Risk, Asset Management, Actuarial, Treasurers and Finance departments to propose most comprehensive Asset-liability Risk Models (ALM) of investment strategies analysis.
• Analysed and design of CCAR (FR Y-14A schedules of Income statement and balance sheet), FR Y -9C (few schedules), report requirements in AXIOM.
• Gathered CCAR PPNR and supplementary metrics (FRY-14) forecast from different business units.
• Supported CCAR and BASEL data acquisition teams to validate and reconcile data coming from various systems.
• Participated in data modelling, data analysis and requirement documentation. Involved in Financial Service industry related t - Credit Risk, Market Risk, Market Risk, Credit Risk, Liquidity Risk, Basel II/III, CCAR, stress testing (Dodd-Frank Act Stress Test).
• Developed business and functional requirements and obtain timely sign-off by all respective parties. Developed good practices for risk modelling procedures related to CCAR/DFAST (Dodd-Frank Act Stress Test). 
• As part of  CCAR , worked on Stress Testing solution (Dodd-Frank Act Stress Test) to check the health of the portfolio of investments for the client to ascertain Capital adequacy. 
• Conduct Brainstorming and JAD Session to gather  Business Requirement s with Regulatory and Compliance subject matter experts to have a good knowledge of  CCAR reporting. 
• Designed the various Use Cases as well as corresponding use case description documents.
• Assisted in the development of project schedules. Developed requirements and preliminary design for client applications. Performed analysis and design projects using a systems development methodology. Worked with all levels of client staff in solution definition.
• Responsible for business analysis of customizing the BPS Risk Management product with involvement through the whole SDLC
• Authored Business Requirements Document BRD with project teams. Extracted, discussed, and refined business requirements from business users and SME’s.
• Prepared Use cases and Activity flow diagrams and Workflow diagrams, considering the scope of the project with MS VISIO 2003
• Performed requirement analysis by gathering both functional and non-functional requirements based on interactions with the Business process owners & stakeholders for implementing the OBIEE reporting tool.
• Implemented agile methodology for running the whole product life cycle in project.
• Coordinate closely with traders, middle office, data and technical operations support, various application development teams to report and communicate the execution status back to the business and senior management.
• Systematically gained knowledge on the business process being followed in the project environment.
• Optimize business requirements from as-is state documentation, SOPs, interviews with key stakeholders. Current clean in process has resulted in new enhancements to improve productivity and reduce future instruments with invalid reference data.
• Dealt with the Society for Worldwide Interbank Financial Telecommunication (SWIFT) in creating the criteria for the auditing of the TQR and Q-Gate review processes.
• Analysed SWIFT and MQ Series data volumes to derive data mapping. Operating SWIFT messaging service for financial messages, such as letters of credits, payments, and securities transactions, between member banks worldwide.

Confidential, Cleveland, OH

BUSINESS ANALYST

• Involved in mentoring specific projects in application of the new SDLC based on the Agile Unified Process, especially from the project management, requirements and architecture perspectives
• Utilized Rational Unified Process (RUP) to configure and develop process, standards, and procedures to create a Business Requirement Document (BRD) of Mortgage application.
• Assisted the execution of  CCAR stress testing (Dodd-Frank Act Stress Test) framework including gathering requirements of multiple stress scenarios and defining data elements required by stress tests. 
• Participated in developing detailed Axiom automation data flow documentation for senior management review to demonstrate the  CCAR automation process. 
• Execute and maintain production and delivery of various  CCAR Risk deliverables to support the Enterprise Stress Testing ( Dodd-Frank Act Stress Test) and capital planning processes under Senior Management direction as well as attend to requests originated by internal/external auditors and Regulators.
• Created artefacts such as Use Cases, Activity Diagrams, and Sequence Diagrams using MS Visio.
• Performed requirement analysis by gathering both functional and non-functional requirements based on interactions with the Business process owners & stakeholders for implementing the OBIEE reporting tool.
• Implemented agile methodology for running the whole product life cycle in project.
• Prepared and analysed AS IS and TO BE in the existing architecture and performed Gap Analysis. Created workflow scenarios, designed new process flows and documented the Business Process and various Business Scenarios and activities of the Business from the conceptual to procedural level.
• Using Business and Department metric for business development excellence and drive successful behaviour and to improve process by using technique to walk through the design of a set of metrics.
• Actively participated in gathering requirements from various SMEs, Financial Analysts, Risk Analysts and Portfolio Management via JAD/JAR sessions.
• Extensively involved with the trading activities of Credit Derivatives, Interest Rate Derivatives, FX Derivatives, Equity Derivatives and Commodity Derivatives; and Futures including Commodity Futures Contracts and Financial Futures.
• Created artefacts such as Use Cases, Activity Diagrams, and Sequence Diagrams using MS-Visio and involved in improvement of overall implementation process.
• Adopt Rational Unified Process (RUP) methodology with emphasis on its six best practices for iterative and incremental development.
• Conducted JAD sessions during the various stages of upgrading the matching system and discuss the current system preference.
• Functioned as the primary liaison between the business line, operations, and the technical areas throughout the project cycle.
• Managed GAP analysis of the different reports that are being presented to clients to accommodate their requirements for the new enhancements.
• Facilitated and managed meeting sessions with committee of SME from various business areas including Mortgage Servicing, Loan Monitoring and Asset Management.
• Using Business and Department metric for business development excellence and drive successful behaviour and to improve process by using technique to walk through the design of a set of metrics.
• Participate in team reviews of product definitions, design specifications and defect review and prioritization with other members from the QA, Development and Project Management departments.