SUMMARY:

• 7+ years of proven excellence as Business Analyst in banking and finance domains with expertise in eliciting business requirements and translating them into various Business requirement documents (BRD), Functional requirement documents (FRD).
• Profound knowledge of various banking and finance fundamentals like capital markets, equities, financial databases, general ledger, accounts payable/receivable, risk management, derivatives contracts etc.
• Industry domain experience in Financial Budgeting, Insurance, Mortgage, Risk Management, Disaster Recovery, Loan Pricing.
• Experience of working with SOX regulatory compliance and controls and Basal III standards.
• Thorough understanding of Anti Money Laundering (AML) procedures and hands on experience of working to insure AML compliance at client’s place.
• Experience in conducting due diligence reviews on individual and business accounts and update KYC profiles in accordance with KYC requirements.
• Extensive knowledge and experience in SOA, PCI and other compliances.
• Extensive experience in managing the project through all phases like Scoping, Planning, Estimating, Scheduling, Directing, Controlling, Budgeting and Drafting Remedy Procedures.
• Conducted JAD sessions, Business meetings and one on one discussion with stakeholders /customers for gathering the requirements in most comprehensive way.
• Expert in formulating Business as well as Functional Requirement Documents (BRDs and FRDs) to insure that the requirements are correctly conveyed to development team.
• Extensive experience in UML modeling using MS Visio, MS Project. Expert with creating Use Case Diagrams, Process Flow Diagrams, Sequence Diagrams and Activity Diagrams.
• Experience in Competitive Analysis, Data Analysis, Gap Analysis and understanding of ROI Analysis, P&L Analysis, SWOT Analysis, Impact Analysis and Cost - Benefit Analysis.
• Strong understanding as well as experience of working through all phases of SDLC. Have successfully worked in AGILE, RUP and SCRUM environments.
• Experience in writing automated test scripts and test procedures. Expert in creating the Test data and Test cases for User Acceptance Testing (UAT).
• Involved in User Acceptance Testing (UAT) with hands experience of working with tools HP Quality Center, Rational Requisite Pro.
• Participated in Black Box, Regression testing.
• Worked with AML SME’s provided direction and guidance to employees on appropriate remediation action for high risk accounts.
• Experienced in working with Cross Functional Teams and interacting with all levels of management for requirements.
• Highly motivated, result oriented team leader with excellent communication skills and never ending willingness to learn and improvise.

TECHNICAL SKILLS:

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

Operating Systems: UNIX, Windows 95/98/NT/2000/XP, Linux

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

Application Servers: IBM WebSphere, ATG Dynamo, BEA WebLogic

Internet: HTML, XML, VBScript, ASP, JavaScript, JSP, J2EE

Automation Tools: MS Visio, Rational Rose, Rational Clear Case, SharePoint, Rational Requisite Pro

Bug Tracking Tools: Mercury Test Director, Rational Clear Quest

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 Test Pro (QTP), Test Director, Win Runner, Load Runner, Documentum, Caliber RM, DOORS

PROFESSIONAL EXPERIENCE:

Confidential,Chicago, IL

Sr. AML/KYC Business Analyst

Responsibilities:

• Led identification and remediation of highly complex issues and defects for the Cornerstone customer due diligence application in support of the Wholesale BSA/AML program and OCC Consent Order, in support of specific LOBs as well as Level 3 production support, as well as interdependencies across other CDD Tools (COPS, CRMS).
• Analyzed Wholesale and Enterprise business needs and craft requirements (detailed user stories) to deliver tool functionality in a timely and cost - effective manner, and drive assigned program elements through Software Development Life Cycle including prioritization, documentation, testing, training, deployment, post-implementation checkout, and support.
• Led cross-functional teams across Wholesale LOBs, Wholesale Business Solutions, Wholesale Banking Technology, Wholesale and Enterprise Risk, Enterprise Marketing, and other departments.
• In consultation with partners, design and implement/support process improvements, to improve speed, efficiency and accuracy.
• Provided direction and guidance to less-experienced staff.
• Analyzed the process and identified the functionality improvement options to fulfill the business needs. Communicated benefits and risks of each option, and recommended business priorities.
• Performed additional tasks as assigned, improving the effective administration of the AML and KYC Policies.
• Helped to formulate solutions, prepare reports, studies, and documentation, and support presentations and client meetings.
• Provided ideas to leadership, produced new process improvement techniques and services and integrated them into the firm’s core competencies and techniques
• Worked with the business users to define and analyze problems and align the most suitable technical, application or configuration solutions.
• Wrote SQL queries to extract data from various source tables for creation of analysis dashboards.
• Analyzed and documented the root causes of performance issues in development, test, and production environment .
• Reviewed system test plans and system test modules before implementation - Create, review and deliver end-user documentation (user guide, process flow charts, and training materials) and training for accuracy
• Worked with the testing team to review system test plans and system test modules before implementation
• Monitored the LOBs functional Issues in the wholesale application and provide them the solutions for how to move forward.
• Conducted weekly communication meetings with development and technical team to discuss the LOBs common issues and find out the solutions for the Issues.
• Worked with the users to select or create appropriate scenarios to test all results to determine whether system changes met project specifications; uses scenarios to assist the end user in acceptance testing.

Confidential, Chicago, IL

Sr. AML/KYC Business Analyst

Responsibilities:

• Facilitated review sessions with stakeholders to access business needs and elicit requirements.
• Reviewed and analyzed the existing KYC standards in order to develop and document business requirements for the line of business KYC application.
• Led focused group meetings with SME's and management to realize SOA awareness within the company.
• Collaborated with partners in Compliance, other KYC functional teams and the business to ensure stake-holder's understanding of KYC requirements, system enhancements and regulatory changes.
• Analyzed the process and identified the functionality improvement options to fulfill the business needs. Communicated benefits and risks of each option, and recommended business priorities.
• Worked in partnership with the KYC technical team to translate implementation options into detailed Functional Requirement Specifications and Technical Requirement Specifications.
• Created UML to ensure the business logic is clearly demonstrated to developers. Created use cases to understand the narratives.
• Communicated requirements to the development team for design and implementation of the identified options.
• Collaborate with the KYC Operations teams including Quality Control, the Industry Risk Group and the Database Administration team to ensure the teams are prepared for implementation.
• Created Non Requirement Artifacts like Disaster Recovery Plan and Production Incidents Log
• Partnered with the KYC Operational Readiness team to ensure the business is prepared for implementation by Documenting new policies & procedures and Outlining and explaining updates to the KYC application.
• Collect and review due diligence documents for new funds to ensure CIP requirements and KYC regulatory requirements are satisfied in accordance with the bank’s enhanced due diligence policies.
• Provided advice on AML and sanctions risks related to all Wholesale Banking clients in the America’s region subject to Enhanced Due Diligence (EDD) and Customer Due Diligence (CDD) policies including PEP and sanction affected entities at customer acceptance and periodic customer reviews.
• Ensured on daily basis CIP requirements, Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) policies are being followed based on KYC norms for specific countries.
• Reviewed and analyzed Suspicious Activity Reports (SAR) narratives completed by AML investigators.
• Perform User Acceptance Testing (UAT) and Regression Testing to ensure business requirements are met.
• Served as subject matter expert for all the teams throughout the project.
• Identified the training needs and conducted the training sessions for the co-working staff.

Confidential, Columbia, MD

AML/KYC Business Analyst

Responsibilities:

• Reviewed wire transactions and document customer account activity in order to identify unusual or suspicious activity for remediation and risk assessment to international business functional activities and their respective risks under One KYC Program/Banamex GAP Project.
• Prepared reference architecture to illustrate logical Service Orientation Architecture (SOA) layers, characteristics and definitions for each layer.
• Assisted Bank is Disaster Recovery Exercises and make sure that everything goes well. The Bank is required to test Key applications on an annual base.
• Researched and summarized new rules and regulations and documented applicable controls and potential gaps, specifically related to regulatory reform including liquidity and capital rules, various SOX, Dodd Frank requirements.
• Built a new KYC system to replace existing in-house built IBM WebSphere Portal Server based KYC application with NICE system's Actimize CDD Solution, while ensuring no business process has been impacted during the transition.
• Conducted research, analysis and provide qualitative/quantitative insights to lead and direct projects and initiatives to meet the Firm's AML/KYC Standards.
• Created and maintained multiple vendor queries through the NICE Actimize recording systems, and also established and maintained macros that allowed data mining for each vendor's results.
• Work with Relationship Managers to understand the client and to correctly assess the client's AML Risk Rating.
• Ensure all KYC's are done in timely fashion to prepare for go live dates given by Front Office, Record the status of each KYC request sent by sales on internal spreadsheet.
• Effectively collaborated with senior compliance officers, AML colleagues, relationship managers, and other departments to ensure all facets of remediation project were completed on a timely basis.
• Enhanced existing relationship with other banks by establishing account and FX lines relationship at unrepresented locations for hassle free funding of our Nostro accounts.
• Worked on Risk analysis, Securities (Stocks and corporate bonds) and their valuation, Portfolio Management (risks and returns) and analysis, Asset Allocations, Bond pricing, Financial Derivatives, Cash flows, financing structure, Capital Management, Stock Valuation, Amortization, etc.
• 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 of the Bank, and perform AML risk assessment when required.
• Managed the Confirmation and Settlement, Investigations, and Reconciliation segments with the FX Operations Department of an industry-leading financial institution.
• Implementing FATCA methodology for the Capital Markets business (Equities, Fixed Income, Derivatives) - Understand the implications of FATCA and Conduct current state analysis.
• 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.
• Worked as a liaison between the developers and the QA team in creating the Test Plan and Test Cases using Rational Test Manager. Generated test data, and assisted QA team with manual testing whenever possible.

Confidential, Richmond, VA

Business Analyst

Responsibilities-

• Thoroughly analyzed the accounting procedures of the bank using Process Flow Diagrams and identified the possible improvements.
• Comprehensively studied the administration of Hedge Funds of Client with the major focus web reporting.
• Conducted JAD sessions with stakeholders, developers and administration for eliciting requirements. Also managed the meeting sessions with SME’s from various departments like accounting, reporting and IT development.
• Formulated the Business Requirement Documents (BRD) summarizing the information gathered through JAD sessions as well as meetings.
• Participated in preparation of SOA Governance standards.
• Effectively communicated the needs of stakeholders to the development team in the form of Functional Requirement Documents (FRD).
• Suggested various improvements in the data flow process from transaction systems to back-office accounting systems in Oracle and Access for reporting purposes.
• Designed the various financial reports in General Ledger using Financial Statement Generator (FSG) so as to provide information in most relevant form to improve the process.
• Defined the reconciliation process for various process bank statements. Performed reconciliation of accounting transactions and generate appropriate reports.
• Analyzed funds’ performance on a daily and monthly basis. Ensured that the profit and loss statements were correctly formatted and sent out on a daily basis.
• Collaborated closely with Investment Risk, Asset Management, Actuarial, Treasurer's and Finance departments to propose most comprehensive Asset-liability Risk Models (ALM) of investment strategies analysis.
• Designed the various Use Cases as well as corresponding use case description documents.
• Created test scripts, test cases and test logs; conducted testing in the DEV and QC environments.
• Prepared testing data for the User Acceptance Testing as well as guided the business testers during UAT.
• Actively participated in daily bug triage meetings, reviews and walk-thorough and interacted with developers to ensure high quality software.

Confidential, Walnut Creek, CA

Business Analyst

Responsibilities:

• Worked as a liaison between PMI Group's SMEs by collecting business requirements, and defining core company processes (5 processes). Communicating requirements to PMI-SDI unit by documenting key deliverables in adherence to Rational Unified Process for all high & low complexity projects as outlined in Project Plan.
• Conducted a walk through session of the scope document to ensure that the project sponsors and stakeholders understand the project scope and any associated constraints, risks, and issues as early as possible.
• Utilized Rational Unified Process (RUP) to configure and develop process, standards, and procedures and created a business use case.
• Performed data analysis and data validation by writing SQL queries using TOAD against ORACLE database.
• Analyzed business requirements and segregated them in high level and low level use cases.
• Derived functional and technical requirements specifications based on user requirement Specification (URS).
• Understand and articulate business requirements from user interviews and then converts requirements into technical specifications.
• Wrote clear, concise detailed system requirement specification (SRS) documents and user documentation in accordance to guidelines and standard of a level where developers can interpret design and develop the application with minimum guidance.
• Designed use case diagrams and wrote their specifications in the use case specifications documents based on the requirements gathered.
• Documented requirement traceability matrix in Requisite Pro for traceability of requirements through test cases.
• Worked on risk managements, mortgage loan servicing, commercial, residential mortgage, CMBS,MBS.
• Performed data querying and data validation using SQL statements in Oracle.
• Conducted highly interactive JAD sessions with projects stakeholders such as users, QA analyst, and project management team, identifying and resolving issues.
• Involved in categorizing mortgage prepayment risk, risk analytics for MBS, loan origination, loan servicing, MBS, SMBS, Secondary mortgage insurance, escrow and reserve administration, escrow processing, non- escrow loans collateral inspection and monitoring, income and expense statement review and inspection report
• Integration of various modules related to securities like MBS and mutual Funds with the mortgage and loan application servicing system.
• Assisted Quality assurance team in preparing test strategies and test plans to verify the functionality, security, fault- tolerability, performance and successful system integration
• Using UNIX shell scripting creating batch jobs to create index and analyze tables once the imports are done.
• Used Rational Clear-Case as version Control system for any changes to common documents related to project like use case documents.