SUMMARY

• Senior Business Analyst and Financial Analyst with extensive experience accruing deep functional expertise in banking, financial services, products, and instruments, including equities, bonds, security backed lending & treasury.
• Recognized ability to identify and recommend measurable process improvements.

TECHNICAL SKILLS

• Credit Analysis
• Fraud/Money Laundering
• Metrics Analysis
• Manual/Automation Testing
• Agile
• SDLC
• Development of Test Plans
• Test Cases and Scripts
• Execution of Functional Testing
• Accounting & Auditing
• Capital Market/ MS Visio
• MS Access
• MS Excel
• Macro with VBA
• JIRA
• Black Knight MSP
• Financial Analysis
• Commercial & Consumer Loans
• Treasury Analysis
• QA/QC
• Loan Product/Modification
• Software Testing
• Process Improvement
• Database Management
• Digital Transformation
• SQL
• VB
• Oracle
• PeopleSoft
• MS Project
• UAT & SAP

PROFESSIONAL EXPERIENCE

Confidential, Amherst, NY

Financial Analyst Business Analyst

Responsibilities:

• Supported the analysis and submission of reports to various constituencies (local regulators, SEC, Fed, OCC, etc.).
• Updated, analyzed, and reconciled financial risk reports.
• Assisted with financial and management reporting, planning and analysis, metrics, monitoring, and forecasting.
• Executed processes and procedures within defined parameters ensuring the completeness, accuracy and integrity of the bank's books and records in coordination with the Finance team.
• Analyzed business specific interest rate risk exposure.
• Engaged with members of Treasury, ALM, Independent Market Risk and Finance to explain drivers of variances in interest rate risk measures weekly and monthly.
• Analyzed, presented, and reported on the Company’s detailed balance sheet, income statement, and regulatory capital forecasts.
• Determined a company’s value by examining financial statements.
• Prepared monthly, quarterly, and annual reports and presentations of financial information for assigned responsibility area.
• Assisted management in constructing the annual operating plan of revenues, funding, expense, and capital projects.
• Prepared budgets and long - term financial plans and ensure spending within budget.
• Analyzed revenue and Order performance of segment with preparation of regular revenue reporting.
• Experienced with gathering requirements, understanding dependencies, managing stakeholders, and implementing regulatory change in a credit risk environment.
• Reconcile daily cash for Corp and input cash into online reporting portal
• Created a detailed business analysis, outlining problems, opportunities, and solutions for a business.
• Prepares daily cash position reporting and funding of all accounts Manages monthly outstanding check balances and make adjustments to cash reporting as needed
• Engaged with banking platforms,
• Engaged with making prices and executing trades in equities

Confidential, Buffalo, NY

Operation Analyst/ Business Analyst

Responsibilities:

• Determined process recommendation documents including presentations, process maps, supporting metrics, business requirements and related impact.
• Knowledge of risk management, issue tracking, change management and requirements gathering system to maximize the efficiency of LSRR business systems.
• Interpreted requirements, perform highly complex analyses and present options and recommendations to obtain desired results.
• Supported regulatory capital forecasting process by sourcing relevant inputs from business partners, organizing consolidated data, and applying regulatory capital rules to project Confidential 's capital adequacy in both baseline and stress scenarios.
• Worked collaboratively with Finance, Risk, Treasury, and other partners to ensure enterprise objectives are met.
• Co-ordinated and supported timely preparation of global Forecasts, ensuring consistency of approach and accuracy of data submission.
• Reviewed Loan Maturity Report to determine timing and scope of work projects.
• Completed preliminary file review to determine financial requirements and other items to be obtained from client prior to credit approval process.
• Alternative Investments Management
• Wealth management
• Forecast daily cash position by utilizing cash receipts & disbarments.
• Onboards acquisitions to include banking operations, creation of cash flows, implementation into current reporting
• Engaged with bondtrading operations

Confidential, Buffalo, NY

Financial Analyst/ Operation Analyst

Responsibilities:

• Experienced in product control operation with fixed income products.
• Fixed Income Accounting knowledge (including Mortgage-Backed Securities, CMOs, TBAs, Asset Servicing, Fixed Income Financing.
• Analyzed Financial Data & provide forecasting support.
• Prepared Reports and projection based on financial data.
• Evaluated current & previous financial data.
• Determined a company’s value by examining financial statements.
• Prepared data and analyses for reporting and for audits.
• Ensured overall data integrity.
• Performed regular cost reviews and communicates results.
• Owned financial and accounting procedures for the Segment including the accrual processes.
• Analyze and solve problems stemming from payment processes
• Engaged with compliance monitoring
• Engaged with commodities and foreign exchange

Confidential, NY

Financial Analyst/ Business Analyst

Responsibilities:

• Maintained regular variance reports for GAP IRE and EVS; identify and escalate potential issues.
• Reviewed and provided executive summary for monthly presentations on consolidated accrual interest rate risk metrics for Citigroup ALCO, Citibank, N.A. ALCO, and Board of Directors meetings.
• Analyzed, presented, and reported on the Company’s detailed balance sheet, income statement, and regulatory capital forecasts.
• Adhered to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
• Supported regulatory capital forecasting process by sourcing relevant inputs from business partners, organizing consolidated data, and applying regulatory capital rules to project Ally's capital adequacy in both baseline and stress scenarios.
• Supported the analysis and submission of reports to various constituencies (local regulators, SEC, Fed, OCC, etc.
• Updated, analyzed, and reconciled financial risk reports.
• Assisted with financial and management reporting, planning and analysis, metrics, monitoring and forecasting
• Prepared Monthly and Weekly GAP presentations for ALCO and senior management.
• Manage bank accounts including security administration, foreign exchange and account analysis
• Forecast daily cash position by utilizing cash receipts and disbursements
• Engaged with regulatory reporting
• Engaged with Investment trading
• Engaged with commodities and foreign exchange trading
• Ensured the completeness, accuracy and integrity of the bank's books and records in coordination with the Finance team.
• Assisted with closing the books and sub-ledgers, including passing appropriate required adjustment entries and consolidating financials at the end of each accounting period control and support data integrity and general ledger reconciliation, profit attribution and new activity analysis, valuation control and product P&L and balance sheet reporting.
• Provided strategic business analysis services to business partners in capital market.
• Worked closely with the business units to gain in-depth understanding of customer's business strategy, processes, and services.
• Responsible for reviewing assigned business processes from end-to-end to identify and address operational, financial, and technological risks.
• Demonstrated up-to-date expertise in Information Systems and apply this to the development, execution, and improvement of action plans by providing advice and guidance to others in the application of information and best practices.
• Manage incoming and outgoing cash effectively daily
• Reconcile daily cash for Corp and input cash into online reporting portal
• Engaged with commodities and foreign exchange
• Analyzed situations and data utilizing data analysis tools and methodologies.
• Documented and established business requirement documents, review test scripts, and interact with business partners to ensure successful migrations of key technology releases.
• Identified and resolved problems using basic Finance knowledge, escalating as needed.
• Demonstrated up-to-date expertise in Information Systems and apply this to the development, execution, and improvement of action plans by providing advice and guidance to others in the application of information and best practices.
• Supported and aligned efforts to meet customer and business needs.
• Provided project level analysis - producing required project analysis documentation (business requirements, scope matrix, use cases, sequence diagrams, future state proposals, UAT plan).
• Demonstrated fluency in business processes and process differentiation
• Ability to analyze and synthesize business requirements, including recognizing patterns and conceptualizing processes.
• Understand and negotiate needs and expectations of multiple stakeholders.
• Alternative Investments Management
• Forecast daily cash position by utilizing cash receipts and disbursements
• Analyze and solve problems stemming from payment processes
• Engaged with making prices and executing trades in equities
• Provided support to Capital markets and prepare presentations for all marketing pitches and provide required materials.
• Analyzed and prepared materials for all capital markets and evaluate all approvals.
• Provided support to all research studies and prepare information brochures and required materials for all prospective investors for the capital market.
• Prepared various capital market reports on a weekly and monthly basis.
• Analyzed all quarterly reports for investors and identify appropriate market trends for all fund investments.
• Assisted various departments in all capital projects for capital markets.
• Prepared cash flow models for financial structures.
• Analyzed Financial Data & provide forecasting support.
• Prepared reports and projection based on financial data.
• Evaluated current & previous financial data.
• Wealth Management
• Forecast daily cash position by utilizing cash receipts and disbursements
• Prepare daily consolidated cash reporting
• Assist with corporate and cash flow forecast, debt and interest projections to maintain adequate liquidity monthly for treasury forecast
• Engaged with commodities and foreign exchange trading