PROFESSIONAL SUMMARY:

• 7 years experience as a BA 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). 
• 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).
• Prepared FRDs that help drive the design of the infrastructure necessary for the organization to meet new CCAR reporting requirements. , Identifying Milestones & Monitoring Critical Paths using Gantt Charts, Resource Planning, Project Management and Entity Relationship Diagrams (ERD).
• Strong knowledge with Basel III, CCAR, KYC rules and regulations.Expertise in Serving as Data Validation and serving as SOX application migration. 
• Expert knowledge of Asset management, Risk management, Retail banking and Investment banking.  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.
• Extensive experience in Requirements Gathering, Surveys/Questionnaire Development, Business Requirement Documents (BRD), Functional Requirement Specifications/Documents (FRS/FRD). 
• 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. 
• Strong knowledge with Basel III, CCAR, FR-Y 9C, Dodd-Frank, KYC, AML, FINRA's rules and regulations 
• Expertise in SQL Performance Tuning, Good understanding of Explain Plan, Zone Maps, confidence levels, Database Skew and Collect Statistics.  Experienced 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.
• Proficient in developing and debugging to access, extract, modify, merge, and analyze financial data and other SAS application for data updates, data cleansing, and reporting 
• Extensive experience in Business Objects which includes building and maintaining Universes, retrieving data using Universes and Freehand SQL methods and creating complex Ad hoc Reports using the Desktop Intelligence and Web Intelligence 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.
• Excellent experience in writing SQL queries to validate data movement between different layers in data warehouse environment. 
• Experience in writing PL/SQL stored procedures, triggers and functions. Good experience in Data Cleansing, Data profiling and Data Analysis 
• Expertise in Project Management i.e. Project Scoping, Planning, Estimating, Scheduling, Organizing, Directing, Controlling, Budgeting and Drafting Remedy Procedures.
• 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.
• In depth knowledge of Billing procedures and the Accounting processes.

TECHNICAL SKILLS:

Programming Languages: C, C++, C#,VC++,VB,VB.NET,C#.NET, ASP.NET, Java, SQL

Development Methodologies: RUP, AGILE, Waterfall, ESDM, STV

Databases: MS-Access, MySQL, SQL Server, Oracle, Teradata, DB2, Sybase

Application Servers: IBM Websphere, ATG Dynamo, BEA WebLogic.

Internet: HTML, XML, VB Script, ASP, JavaScript, JSP, and J2EE.

Automation Tools: MS Visio, Rational Rose, Rational ClearCase, Rational Requisite Pro

Bug Tracking Tools: Mercury Test Director, Rational ClearQuest

Utility Tools: MS Office Suite, MS Project, TOAD, Adobe Photoshop

Reporting Tools: Crystal Reports, SQL Server Reports (SSRS)

Data warehousing Tools: Informatica, Business Objects, Cognos, Erwin

Testing Tools: Quick TestPro (QTP), Test Director, WinRunner, LoadRunner

PROFESSIONAL EXPERIENCE:

Sr. Business Analyst

Confidential, Mclean VA

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 
• Involved in implementation of regulatory compliance like Dodd-Frank initiative, TSD, NPV, VA loan, HAMP loan, FHA, USDA loan programs into the internal Originations, Servicing and underwriting and downstream applications.
• Worked on CCAR 14Q report for new FRB requirement like Disposition Loans, Disposed Scheduled Shift & Syndication Loan. 
• Maintained audit controls for SOX compliance and GAAP accounting and business practices. 
• Created efficiencies which allowed expanding the role to include Compliance and Internal Audit initiatives. 
• Conduct independent and comprehensive tests of Pre-provision Net Revenue (PPNR) models for CCAR.  .
• 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.
• 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.
• Involved in configuration of FR-Y9C & Y 14Q CCAR in Controller View per mapping specification for various reports of FRY - HI Income, HC-B, HC-D Trading Assets and Liabilities, HC-L Derivatives and Off Balance sheet items & FRY 14Q Schedule C- Regulatory Capital Instruments, Schedule K- Supplemental.
• 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 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. 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. 
• Facilitated UATs through identifying scenarios, reviewing test scripts and co-coordinating test instances.
• 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.
• Ensured that information obtained is consistent with BSA/AML policy 
• Confirmed that BSA/AML Policy and Procedures and satisfies regulatory requirements were consistent with the information 
• 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.
• Organized the project into phases to impose management control using stage-gate reviews such as high-level user stories, test scenarios, Dimension modeling, Client reference data, Data Mapping, ETL etc. . 
• 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.
• Created Software Requirement Specifications (SRS) / Functional Specification Documents (FSD). 
• Interacted with developers, UI designer and UX to make sure that application is being built accordingly and made sure of the timely delivery.
• 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.

Sr. Business Analyst

Confidential, NJ

Responsibilities:

• Proficient in Basel II and III compliance and Comprehensive Capital Analysis and Review (CCAR).
• Conducted walk through sessions for Business Requirement Document (BRD), Functional Requirements Document (FRD) and Use Cases to discuss certain issues with stakeholders, Architecture, Design & Development teams. 
• 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.
• Worked with the technology team to develop a data model for creating a centralized trade repository and database to hold the data for Volcker .
• 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. 
• Applied UML to design Use Case Diagrams, Activity Diagrams, Sequence Diagrams in Microsoft Visio. 
• Traced requirement traceability matrices (RTMs) and managed all components of the business requirements. 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.
• 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.
• Manage change request for the Basel III Retail Application (IT, business, vendor change requests).
• Maintained and update mapping tables within Axiom(GL account-MDRM code, securities referential, & counter-party referential) to assist with the filing of the FFIEC-009, FRY-9LP, & FRY-9C reports. 
• Created documentation for various processes performed within the Regulatory Reporting group. 
• Performed UAT testing of Axiom processes and development. 
• Raised and closed defects in the HPQC system as part of the Axiom UAT development process. 
• Assisted the Business Analysts with the writing up of the BRD(Business Requirement Document) for the FRY-9LP report. Assisted the Project Manager in setting realistic project expectations, in evaluating the impact of changes on the organization and conducted project related presentations.  .
• Responsible for creating and reviewing business requirement documentation (BRD), functional specifications (FSD), project schedules and test plans.
• Organized various UAT sessions and made presentations to the users on the project and the changes implemented
• Identify possible enhancements to AML monitoring tools and processes and communicate them to the Financial Intelligence Manager.
• Wrote initial Business Case for Cognos implementation, GAP analysis, Priority matrix, and RACI matrix.
• Conducted GAP Analysis, SWOT Analysis, Cost Benefit Analysis, Risk Analysis and Impact Analysis.

Business Analyst

Confidential, Boston, MA

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).
• Produced various artifacts to include Use Case Specifications, Software Requirements Specifications, Screen Mock-Ups, Use Case Diagrams, State Diagrams, and Activity Diagrams as per SDLC Methodology. 
• Conducted JAD sessions with Stakeholders throughout the SDLC. 
• Created and managed project plans and revised as required to meet changing needs and requirements.  .
• 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.
• Created and reviewed Detailed Design Specification (DDS) and Functional System Design (FSD) documents based on the information provided by the development team.
• 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.
• Maintained Requirement Traceability Matrix (RTM) that controls numerous artifacts produced by the teams across the deliverables for a project.  • Involved in Test Planning, Test Preparation, Test Execution, Defect Logging and Tracking in Quality Center and Issue Resolution and Report Generation to assure that all aspects of a Project are in Compliance with the business Requirements .
• 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
• Utilized SQL to query tables for creating data design documents. 
• Generated reports using SSRS .
• 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.

Business Analyst

Confidential, NY

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.
• Acted as liaison between management and development team for Requirements and QA testing during the User Acceptance Testing (UAT) phase and involved in user interfaces, requirements and data modeling sessions. 
• Experience in writing and analyzing Business Requirements Document (BRD), Functional Requirements Document (FRD), Request for Proposals (RFP), Return of Investment (ROI), and Statement of Work (SOW). 
• Hub and Legal entity level reporting of counterparty credit risk per Dodd Frank Statues.  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.
• Prepared Basel I reporting monthly to Head Office.
• 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.
• Prepared for GAP Analysis; identified and documented improving areas to meet capital requirement regulations. 
• Conducted UAT to confirm that all derivative products can successfully processed during the trade life cycle. 
• Used the guidelines and artifacts of the Rational Unified Process (RUP) to strategize the Implementation of RUP effort in different iterations and phases of the Software Development Life Cycle. 
• Discussed with SMEs across different businesses units to gain solid knowledge of the existing Credit Risk Calculation System and assisted in preparing an advanced Risk Assessment and ROI Management. 
• Responsible for business system analysis of customizing the BPS Risk Management product with involvement through the whole SDLC 
• 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.
• Have extensive experience with the implementation of ECom projects and PCI DSS
• Maintained knowledge of applicable rules, regulations, policies, laws, and guidelines that impact the finance and contract management process. 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.
• Involved in calls with stakeholders in understanding requirements and providing low level designs.