SUMMARY

• Over 9+ years of extensive work experience as a Business Analyst, Risk Analyst, Credit Analyst and Insurance, Reinsurance, Underwriting, Claims Analyst in Banking, Finance, Insurance, Reinsurance, P&C insurance and Health Insurance domains.
• Detailed knowledge of Equity market (Common and Preferred stocks), Fixed Income securities like MBS, TBA, CMO, Corporate Bonds, Municipal Bonds, Convertible Bonds, Junk Bonds, Treasury Bonds, Treasury Notes, and Treasury Bills. In depth knowledge of trading Derivatives which includes Options, Contracts (Future and Forwards) and Swaps (Interest Rate Swaps, Currency Swaps, Total Return Swaps, Credit Default Swaps) in Capital Market.
• Strong analytical skill in analyzing Financial Risk such as Interest Rate Risk, Default Risk, Credit Risk, Inflation Risk, Operational Risk, Market Risk, Systematic Risk, and Volatility Risk associated with investing in securities. Detailed knowledge in Risk Management using metrics such as Greeks, VaR, Duration and Convexity.
• Strong background in CCAR Regulatory Reporting especially in FRY 9C, FRY 14M/Q/A, FFIEC 041, FFIEC 031 reports and the related schedules,QRM.
• Knowledge of valuation (Pricing) of Bonds and Common Stocks. Helped in the decision making of right investment through proper valuation by calculating Present Value (PV), Net Present Value (NPV), and Opportunity Cost.
• Working knowledge of Case Management Applications (e.g Actimize) and Strong product knowledge on financial instruments and payment/treasury products Understanding of AML, KYC process, and Trade Life Cycle Working knowledge of AML/Financial Data (e.g. Wires, checks, ACH, Accounts).
• In depth knowledge of Dodd Frank, Basel I/II regulations for transparency of transactions and stockholders’ interests.
• Experience and knowledge ofAxiom product.
• Wide experience of performing tasks associated with Software/System Development Life Cycle - creating and developing project plans, feasibility and scope management, communication and bridging gaps between users, technical team, and QA team.
• Vast experience in performing SDLC tasks - Requirement gathering, Analysis and Feasibility, Creating Business Requirement Document (BRD), Transforming BRD to Functional Specification Documents (FSD), High Level and Low Level Design documents etc.
• Conducted GAP analysis in order to capture functionalities of existing systems and analysis requirements of the proposed system or enhancement in order to bridge the GAP and design solution and followed various SDLC methodologies which include AGILE Scrum, AGILE Extreme Programming, Rational Unified Process (RUP), Iterative, and Incremental and Waterfall models to execute the proposed requirements.
• Proven expertise in generating UML diagrams- Use Case Diagrams, Activity Diagrams, Swim Lane Diagrams, Sequence Diagrams, Class Diagrams, State Diagrams, Process Workflow Diagrams with the objective to develop a comprehensive notation for communicating requirements, architecture, implementation, and system development.
• Experienced in working with Testing team, participated in writing Test Plan, Test Cases, Test Scenarios, RTM, Test Reports, and conducting various forms of testing, which include Integration Testing, Smoke Testing, Regression Testing, White Box Testing, Black Box Testing and coordinating User Acceptance Testing.

TECHNICAL SKILLS

• MS Visio
• JIRA
• Banking and Finance
• Fixed Income
• Derivatives
• CCAR Basel stress testing
• Oracle
• HTML
• UML
• UNIX Shell Scripting
• ASP
• Windows 95/98/XP
• Crystal Reports
• MS Office++
• Python
• DB2
• SQL server
• MS Access
• SAS( Base
• Enterprise Guide)
• Eviews
• Matlab
• Excel.

PROFESSIONAL EXPERIENCE

Retail Business Analyst

Confidential, Schaumburg, IL

Responsibilities:

• Performed in- depth GAP analysis with different business users to accommodate the requirements.
• Leading member of the Order to Cash team, responsible for the Business transformation and implementation of SAP. Processes included billing, invoicing, Cash application, deduction, collections and treasury.
• Provided solutions to complex Business problems, implementation issues, and system defects throughout the project’s lifecycle.
• Developed future state Business process procedures with contribution to the configuration and end-user training materials and Responsibilities included taking an active role in supporting existing Order to Cash environment.
• Duties included ownership of tickets (issues) and solving these issues working with end users, development, and management to get new processes and configurations into Production. Improvements to Advanced Pricing, Credit Checking/DSO, and Picking/Shipping process.
• Effectively facilitated Joint Application Development (JAD) sessions to gather, finalize and document requirements.
• Created high level design documents and Functional Specification document.
• Followed generic path to gather requirements and maintained log for requirement tracing.
• Assisted in modelling of workflow and business process.
• Generated Use Case diagrams, Activity diagram and Sequence diagram.
• Worked with Development team and QA team to clarify functionality, resolve issues and provided feedback to ensure quality of the end product by assist them perform system testing. Used QC to define and develop test cases, test plan, test strategy.
• Recruit and close agreements with new retail data sharing partners.
• Kickoff projects to collect data with retail IT teams and their POS service vendors.
• Manage relationships with key POS vendors, large retail accounts, and associations
• Ensure timely collection of data deliverables and QA of deliverables before they are published
• Gather business requirements for strategic retail initiatives
• Represent the interests of retail partners for Confidential product development
• Provide training in our proprietary BI tools to key end users

Sr. Business Analyst

Confidential, NY

Responsibilities:

• Analyzed and Documented Business Requirement Document (BRD), Functional Specification Documentation, and System Requirement Documentation, using UML methodologies.
• Involved in development phase meetings for Business Analysis and Requirements Gathering.
• Maintain a working knowledge of the Comprehensive Capital Analysis and Review “CCAR”.
• Have intimate knowledge of the line of business data to ensure Instruction changes have minimal impact to CCAR Schedule.
• Developed good practices for risk modelling procedures related to CCAR/DFAST. valuated the impact of proposed balance sheet strategy on the bank's liquidityposition by calculating pro-forma liquiditymetrics and LCR(Liquidity Coverage ratio); Presented recommendations and scenario analysis to ALCO.
• Responsible for periodic regulatory reporting submissions including Basel III LCR/NSFR, PRA 047/048; Own liquiditystress testing, monthly ALCO and RCC (Risk and Capital Committee) reporting in internal reporting.
• Foreign loans segregated reporting,Basel III reconciliations to GL, and data server comparative reviews to ensure consistency in reporting.
• Involved in implementing formula and data analysis for FRY 14A form from Data Dictionary.
• Coordinate data set up in production for CCAR regulatory activities.
• Regulation and Risk management Basel II. Dodd Frank -Volker Rule. Compliance. Understanding of Credit Risk, Market risk and Operations risk. Regulatory experience (BASEL III LCR(Liquidity Coverage Ratio), Basel III BCBS 226 (Bilateral Margining) knowledge). Liquidity Risk Management knowledge.
• Created requirements for Data Mart for storing GED test data for Business Intelligence application development. Developed SQLScripts for the Online Editing Application for the Client interface.
• Developed reports for display on dashboards and for internal datarequests.
• Retrieved and analyzed data using T-SQL, Excel, SSRS.
• Utilized knowledge of SQL Programming to author over 20 Queries in the HPQC Dashboard.
• Created and maintained requirement traceability Matrix to track requirement and its progress.
• Responsible to perform and get UAT sign off from work stream head.

Retail Business Analyst

Confidential, Schaumburg, IL

Responsibilities:

• Recruit and close agreements with new retail data sharing partners.
• Kickoff projects to collect data with retail IT teams and their POS service vendors.
• Manage relationships with key POS vendors, large retail accounts, and associations
• Ensure timely collection of data deliverables and QA of deliverables before they are published
• Gather business requirements for strategic retail initiatives
• Represent the interests of retail partners for Confidential product development
• Provide training in our proprietary BI tools to key end users
• Performed in- depth GAP analysis with different business users to accommodate the requirements.
• Effectively facilitated Joint Application Development (JAD) sessions to gather, finalize and document requirements.
• Created high level design documents and Functional Specification document.
• Followed generic path to gather requirements and maintained log for requirement tracing.
• Assisted in modelling of workflow and business process.
• Generated Use Case diagrams, Activity diagram and Sequence diagram.
• Worked with Development team and QA team to clarify functionality, resolve issues and provided feedback to ensure quality of the end product by assist them perform system testing. Used QC to define and develop test cases, test plan, test strategy.

Credit Analyst

Confidential, Plano, TX

Responsibilities:

• Partner with the other departments within the Region to establish, maintain, and enhance dealer relationships.
• Analyze information received from applications and Creditreporting agencies to make prudent Credit decisions.
• Negotiate terms and conditions of loan decisions with dealers within established approval/exception guidelines, leveraging risk versus reward, to ensure Credit quality and profitability.
• Make exceptions to normal guidelines when necessary.
• Conduct customer interviews and investigations on non-priority applications to gather and document information pertaining to making Creditdecisions.
• Monitor dealer productivity and call dealers for approvals and follow-up on pending contracts to increase capture and conversion ratios.
• Establish dealer relationships by building rapport through telephone and field calls.
• Develop and analyze Credit goals and communicate strategies to dealers to accomplish said goals.
• Coordinate with the Operations Department to examine and evaluate proper documentation for funding.
• Partner with the Collections Department to resolve dealer collection issues.
• Actively participate in regularly scheduled staff meetings to communicate/share trends, P&P, goals, updates, and other pertinent information with team members and managers. performing all Creditand collections functions for assigned major accounts.
• Performed all Annual Review of accounts for Credit limit and terms adjustments.
• Worked resale tax validations daily and perform annual resale tax audit.
• Developed and worked with Director Financial Services in creating and maintaining period end reserve analysis and other analysis of Credit and Accounts Receivable.
• Handled NSF log to ensure collection of NSF checks and subsequent charges.

Business Analyst

Confidential, Westchester, IL

RESPONSIBILITIES:

• Developed and managedbusinessand functional requirements for projects supporting Follett s roadmap/overall digital strategy.
• Initiated, developed and managed the agile development process for the Academic Tools and Utilities team
• Supported the product team s efforts to further enhance and develop programs to provide digital and physical course materials as part of tuition; grew 1100% since launch.
• Defined and implementedbusinessprocesses as well as a BA engagement process for interactions withbusinessteams.
• Managed sprints and collaborated with product managers on release planning.
• Managed offshore resources, participated in code reviews, and daily stand - ups.
• Developed and monitored QA test plans (i.e. new feature, regression testing, etc.).

Environment: Rational Rose, Requisite Pro, Quality Center, MS Office (MS Word, MS Excel, MS Access), Crystal Reports, Java, Oracle.

Business Analyst

Confidential

Responsibilities:

• Prepared Wireframes for the requirements.
• Based on the Data Analysis proposed a new process to index the FSA claims to reduce the Turnaround Time of Claim processing.
• AS IS and TO BE process documentation & analyzed the gaps in process.
• Created the queuing process in Claims based on type of service and age of claim.
• Assisted the JAD sessions.
• Admin page to generate claim reports & pending claims.
• Dashboards for cost spent against each type of service & group.
• Documenting rules for processing Medical, Dental, Vision, RX and OTC.
• Created the queuing process in Claims based on type of service and age of claim.
• Assisted the JAD sessions.
• Admin page to generate claim reports & pending claims.
• Created the processing rules for the Edits & Over ride methods based on Business Inputs.
• Also created Training Manuals to help the Claims Examiner to use the application effectively.
• Documenting rules for processing Dependent Care Claims.

Environment: SDLC, Agile, Scrum, MicrosoftVisio, MS SQL Server, .Net, Microsoft Office.

Confidential

Insurance Underwriter, Claims & Risk Analyst

Responsibilities:

• Review applications for Insurance acceptance.
• Lead and coordinate renewal initiatives with the goal of improving customer retention
• Ability to effectively and efficiently analyze exposures, claims data, loss ratio etc. to create sound underwriting decisions.
• Handled underwriting decisions on new and renewal business and referrals that fall outside the guidelines and within delegated authority levels.
• Handled assigned workload within quality, productivity and service standards
• Provided technical underwriting support for team members
• Assist agents and policyholders with policy questions and complaints
• Review and process endorsements, cancellations, reinstatements, DMV submission, etc.
• Request additional documentation needed to successfully process an application, renewal quote or endorsement request.