SUMMARY:

• Around 8 years of extensive professional experience as Business Analyst/Business System Analyst including documenting Business and Functional Requirements, Technical Specifications, Requirement Traceability Matrix and User Guides across the Software Development Life Cycle.
• Strong experience in Agile Scrum concepts like Scrum team, Product backlog, Sprint planning, Sprint Retrospective, User stories, Daily standup, Burn down charts etc.
• Expertise in facilitation of interviews, conference, workshops in Joint Requirement Planning (JRP), Joint Application Development (JAD) and Rapid Application Development (RAD) sessions.
• Expert in documenting Business requirements document (BRD), Functional requirements document (FRD),Use Case Specifications, Functional Specifications (FSD), and User Stories.
• Excellent in performing feasibility studies and Impact Analysis, Cost/Benefit analysis, Gap Analysis and Risk analysis.
• Strong knowledge of the procedures of Banking & Regulatory Compliance's especially in AML, KYC and Basel Accords.
• Extensive experience in Finance industry, Credit Card, Investment Banking (GL, Personal Accounts, Check payment, ATM, Fraud - AML) and Mortgage industries.
• Experience in AML tools such as Actimize and related topics knowledge and understanding of fixed-income trading, asset management and portfolio management applications and how they are impacted by the Bank Secrecy Act, USA PATRIOT Act, Dodd Frank Act, Anti-Money Laundering, OFAC and Customer Identification Program (KYC/CIP), Basel II compliance using industry standards and regulatory guidance, etc.
• Experience in gathering business requirements, functional specifications and writing and executing test scenarios and plans for fixed income products for trading in options.
• Client profile approval workflows for high risk and Non-US customer KYC records to regional administration/control groups and centralized approval with WM AML supervision and governance by risk level and designated customer role and type.
• Experience in creating, implementing, testing and monitoring risk management programs related to Policy Update, Quality Assurance, Decision Matrix, KYC(A) Program monitoring, Product Controls and CDD/EDD.
• Identified and assessed risk through AML/BSA compliance program testing and developing in order to mitigate financial threats often related to money laundering and terrorist financing.
• Excellent Financial Product knowledge in Equity; Fixed Income (CDs, Treasury Bonds, Corporate Bond, Municipal Bond, Money Market, Repo, and Eurobonds); Structured securities, Derivatives: Futures, Forwards, Options, SWAP (interest rate swap, currency swap, Swaptions), Credit Derivatives -CDS, CDOs, CLNs, variable rate securities, Loans, Risk, AML & KYC, Dodd-Frank/Volker Rules, and Basel II/III, MIFID I/II, CCAR.
• Highly experienced in Designing process modeling (UML) using Use Cases, Sequence Diagrams, Collaboration diagrams, Activity Diagrams, Class Diagrams and Data Modeling.
• SQL/PL SQL: Strong SQL knowledge for querying the database and proficient in developing Tables, Joins, Data Modeling, Analysis, Verification, Cleansing, Transformation, Integration, Mapping, Extraction, Load Process from multiple Data Sources.
• Experienced with ETL Informatica Power Center and other ETL tools such as data stage and creating Database objects (Tables, Views, Stored Procedures, Triggers etc.).

TECHNICAL SKILLS:

Methodologies: Rational Unified Process (RUP), Waterfall, Agile, SDLC.

Tools: HP/Mercury Quality Center, ALM, JIRA, Norkom, TESTING (7 years), AML (5 years), DOCUMENTATION (5 years), MS VISIO (5 years), VISIO (3 years),EXCEL (5 years), MERCURY (5 years).

Documentation Tools: MS Visio, Word, PowerPoint, Excel, Unified Modeling Language (UML), SharePoint Documentation Repository System.

Financial Reporting/Regulatory Compliance Regulations: 10-K/10-Q, FR Y-9C&Y-11, SEC, FINRA, AML/KYC, PCI (Payment Card Industry), Dodd-Frank (IHC/CCAR), BCBS 239, SDA, ICMA.

Environment: SQL, Actimize, Oracle Mantas, Norkom, SAS AML System, Prime, MS Visio, HP Quality Center Access, MS Project, MS Office Suite, Rational Rose, Waterfall, Agile, MS SharePoint. Axiom ControllerView, SQL Developer, CCAR, FR-Y 9C, FR-Y 14Q, PPNR, FR-Y 11, FR-Y 9LP,FFIEC 031, FFIEC 041, FFIEC D09, MS Share Point, MS Project, HP QC, Agile, Waterfall.

PROFESSIONAL EXPERIENCE:

Senior Business System Analyst

Confidential, New York, NY

Responsibilities:

• Implemented Actimize/Oracle Mantas/ Norkom/SAS/Prime AML system to monitor suspicious transactions and enhance regulatory compliance.
• Experience in troubleshooting CDD and WLF alert issues and working with Actimize/Oracle Mantas/Norkom/SAS AML Professional services and identified and reported trends of fraudulent inquiries to senior management.
• Prepared a Gap analysis of the existing data to fully comply with Customer Identification Program (CIP) with regards to AML regulations using Actimize/Oracle Mantas/ Norkom/SAS AML.
• Utilized several data mapping tools such as Actimize/Oracle Mantas/ Norkom /SAS AML data mapper, for loading data.
• Wrote business requirements document for installation of Actimize/Oracle Mantas/ Norkom/SAS AML WLF(Watch List Filtering) and Actimize/ Oracle Mantas/ Norkom/SAS AML CDD (Customer Due Diligence).
• Actively engaged with various stakeholders such as the client on-boarding KYC teams, Compliance and Business to ensure all AML requirements were fully captured in the Actimize/ Oracle Mantas/ Norkom/ SAS AML System.
• Ensured that information obtained was consistent with BSA AML/KYC Policy and Procedures and satisfied regulatory requirements.
• Studied guidelines and parameters for the system based on currency transaction regulations and geography, customer source of income into Actimize/ Oracle Mantas/ Norkom/SAS AML/PrimeCommunicated with different levels of management to identify UI requirements, Use Cases and to develop functional specifications and designed the UI of this application using UML model in Visio.
• Developed Use Cases Diagram for validating Entity Reference Data and Verification of customer records: legal name, address, business purpose legitimacy and analysis of transaction activity.
• Integrated with the data from credit bureaus, and the existing KYC/ Customer Due Diligence (CDD), Customer Risk Rating procedures, and FATCA identifying the high risk customers to Actimize/ Oracle Mantas/ Norkom /SAS AML.
• Involved in the recommendation for the rules-based flags for any transaction or activity that violated a business rule and enhanced the reporting process of the AML investigations and SAR filings.
• Participate with testing team to test data from Device to Middle-ware to Master databases serving production, businesses and end-users and analyzed the defect and assigned to the right teams.
• Provided guidance to quantitative resources that were performing independent model validation including Case Risk Scoring and Alert Risk Scoring models.
• Developed report layout for Suspicious Activity and Pattern analysis under AML regulations
• Designed data models in collaboration with data architect and data modelers in Actimize/ Oracle Mantas/Norkom/SAS AML, collaborated in creating ER diagrams defining entities, attributes, relationships and business rules.
• Designed the test plan, test scenarios, test cases and test scripts for Actimize/ Oracle Mantas/ Norkom /SAS AML installation based on the user requirement specifications and conducted Unit Testing, System Integration Testing, and UAT.

AML/KYC Consultant/Business System Analyst

Confidential

Responsibilities:

• 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.
• Successfully complete Axiom automation UAT . Obtained sign offs by validating Axiom variance in Axiom outputs and legacy files to ensure all the business requirements have been satisfied by Axiom. Liaise schedules’ owners to ensure compliance with Fed instructions and report timing in Axiom.
• Perform comprehensive due diligence on newly on-boarded and existing client's utilizing database exploration, in depth online research and identity-verification software for AML/financial crimes activities screening/KYC purposes on an initial and periodic basis.
• Subject Matter Expert in handling KYC screening on Politically Exposed Persons (PEP) client's and other high-risk clients in high risk countries/jurisdictions that require Enhanced Due Diligence/Special Due Diligence.
• Explicate legal documents of client entities such as operating agreements, formation documents, articles of in corporation, state business registrations and trust agreements of Limited Liability Corporations, Limited Partnerships, Foundations, Associations, Corporations and Trusts for compliance/KYC purposes.
• Automated the generation of Customer Due Diligence (CDD) and Enhance Due Diligence (EDD) reports in compliance with AML regulation.
• Conduct KYC due diligence for periodic three-year reviews of standard-risk clients, annual reviews of high-risk clients, and initial reviews of on-boarded clients.
• Complete risk assessments for High Risk Clients, Trusts, Limited Liability Companies, Private Corporations, Partnerships, and Foundations/Charities while working with the Global Financial Crimes Compliance unit in mitigating or escalating client-associated risk.
• Managed KYC progress by reviewing client's KYC information to correlate with documented search results while analyzing cases for effective dispositions.
• Responsible for ensuring smooth delivery of regular executive business AML/KYC presentations/reports and the final outputs for ad-hoc projects KYC enhancements to the onboarding process in conjunction the understanding and supporting the frontline user and customer experience.
• Implementation of risk rating module to support AML risk.
• Implementing NAIC Code risks and mitigation to support the AML risk review.
• Addressed certain AML risks, and communicating to Senior/Executive AML Management.
• Lead both proactive and reactive projects and initiatives designing and building AML/Compliance programs.
• With a successfully transitions projects to business-as-usual status.
• Provide research and analytical recommendations to facilitate the creation of Business Requirement Documents.
• Identify problems or needs, and develop solutions or systems with some precedent.
• Liaison between the Business Banking AML team, AML/KYC Operations, Compliance/AML, Controls and IT.
• Coordinate with Risk Officer, Compliance Officers, their teams and Line of Business (LOB) General or Regulatory Counsel on cross-LOB issues.
• Creation of AML presentations for project and change management solutions.

Business System Analyst

Confidential

Responsibilities:

• Reviewed alerted activities for both system and manually generated cases for Global Consumer Banking, Global Wealth Investment Management Banking and Consumer Banking.
• Reviewed Level 2 FIU Triage cases, for QA (Quality Assurance) purposes to reassess already dispositioned case scenarios.
• Developed an understanding of Citi Bank's KYC processes and worked alongside functional teams to facilitate a comprehensive QA program.
• Managed KYC progress by reviewing client's KYC information to correlate with documented search results while analyzing cases for effective dispositions.
• Reviewed level 1 Transaction Monitoring alerts for multiple case scenarios including CIB, LRT, Round Dollar Activities, Pot Structuring, RMF and ATA Manual cases.
• Critically analysed flagged scenarios as potential suspicious transactions according to guidelines provided by the Global Financial Crimes.
• Performed Anti Money Laundering investigations including transaction monitoring reviews for alerted accounts.
• Performed internal and external researches on every client including PEPs for negative media list and prior.
• SAR filings for both retail and commercial banking.
• Reviewed alert activities using statements, wires, cash and check images for alerted accounts for suspicious activities and recommended SAR filings where necessary.
• Reviewed client's KYC documentations as guidelines to case dispositions.
• Contacted branch managements for additional inquiries to further explain transaction activities, to establish source of funds, purpose of funds and relationships between clients and other related parties
• Escalated concerned questions and suspicious activities found to FIU.
• Accumulated facts from investigations to be utilized in presentations to Senior Management/Team Lead.
• Assisted in the completion of the Bank's 'Look back' project which was reached before the deadline.
• Assisted in the correction and re-disposition of Triage cases.
• Ensured that the Bank’s AML regulations were adhered to and monitored account activity accordingly.
• Supported management to ensure business is conducted according to legal and regulatory compliance.

Business Analyst

Confidential, NYC,NY

Responsibilities:

• Work with stakeholders from all business units and related third parties to define and document business processes and software requirements for technology initiatives.
• Conducted current state analysis and AS-IS & TO-BE analysis for Business Requirement Documents (BRD).
• Documented use cases, workflows and sequence diagrams according to UML methodology thus defining the Data Process Models.
• Develop user stories, work on data mapping, cooperate with SMEs, and make sure the development team can understand and will hence follow the design of business product.
• Initiate meetings, gather information from different parties to maintain the transparency of information and update all parties with the latest progress on the project.
• Consolidate sources of documents and provide a source of authorization with the latest and the most updated file on SharePoint.
• Help to synchronize whenever there is an information/ comprehension gap in between different groups, and conduct meetings to resolve the gaps.
• Document user groups as well as their privileges for UAT test, and keep updating the file to date in case of any changes to the arrangement.
• Help to document integration touch points with other related tools in business workflows, define the frequency and direction of data refreshment.
• Document integration BRD with sufficient details for developers to read and follow.