SUMMARY

• Around 7 years of experience as a Business System Analyst in Banking and finance with hands on experience in Business Intelligence (BI) Solutions design & development.
• Experience in Business Intelligence area in dealing with data analysis, solution design and metadata management.
• Strong knowledge in Automated Clearing House (ACH), Bank Clearing System, Electronic Funds Transfer (EFT). General understanding of Accounting process including general ledger and account reconciliation.
• Experience in monthly reporting to treasury and business, as well as constant and pro - active communication with the business regarding specific overdue and credit risks.
• Experience of reviewing portfolio management capabilities, including organisation structure and interplay with other functions including risk, origination, treasury, middle office, regulatory, group and trading using CPMS.
• Excellent Business writing skills in writing Business requirements document BRD, Use Case Specifications, Functional Requirement Specifications FRS, Software Design Specification SDS, Software Requirements Specification (SRS), Software External Specifications SES, Software Requirement Document(SRD), Data Dictionary, Business Continuity Plan (BCP), Work flows and Unified Modeling Language (UML) diagrams such as Activity diagrams, Class diagrams and Sequence diagrams.
• Experience of creating Teradata tables and views to source and facilitate Cognos reporting
• Review and identify bank processes procedures that may be impacted by implementation of new data architecture necessary to exceed CCAR data testing benchmarks.
• Experience in all aspects of analytics/data warehousing solutions (Database issues, Data modeling, Data mapping, metadata management, data migration and reporting solutions)
• Sound understanding of Object Oriented Analysis and Design OOAD and proficient in documentation of As-is and To-be business processes.
• Worked on CCAR Credit Risk Model validation of retail and commercial portfolio for the Bank's Business lines. Complete model validation - Input data, Methodology, Code implementation, Statistical Test, back testing and reporting.
• 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.
• Experience in understanding Stored Procedures, Stored Functions, Database Triggers, and Packages using PL/SQL
• Responsible for credit risk assessment and regular updates on customer credit files.
• Detailed analysis of debtor company financial statement and other document required document.
• Utilized Agile/ SCRUM and PMI methodologies to monitor, steer and develop project objectives.
• Extensive experiences in Investment Banking projects specialized in Securities Trading (stock trading, fixed income trading, and derivatives trading), wealth management and risk management.
• XML order header and order detail data transfer; inventory/supply chain management modules
• Used ERP business user information to create prototype business models and related business objects for Human Resources, Sales, Supply Chain and Finance which strongly supported ERP configuration using Business Process Modeling tool with UML and OOD.
• IT experience in data management, datawarehouse architecting, business intelligence, managing and maintaining analytics and reporting environment.
• Expert in writing SQL queries and optimizing the queries in Oracle, Netezza. Involved depth understanding of Credit Risk management for the application.
• Have good understanding with entire phases of Software Development Life Cycle SDLC
• Full understanding of Rational Unified Process (RUP) using Rational Rose, Requisite Pro, Unified Modeling Language (UML), Object Modeling Technique (OMT).
• Experience in Scrum Process and thorough understanding of Extreme Programming (XP), Agile Software Development Methodology and Object Oriented Analysis (OOA).
• Experience in Competitive Analysis, Data Analysis, Gap Analysis and understanding of ROI Analysis, P&L Analysis, SWOT Analysis, Impact Analysis and Cost-Benefit Analysis.
• Good comfort level with Capital Markets, Money markets, Trading Systems, Derivatives (Strong in Options), Equities, Fixed Income, US government Treasury Securities (T-Bills, T-Bonds and T-Notes), Municipal Bonds, Stocks Trading Cycle, Margin Requirement, Mark to Market, Hedge Funds.
• Strong understanding of Business Requirements Gathering, Process Flow, Business Process Modeling and Systems Analysis.
• Good understanding of Financial Statement Analysis, Capital Budgeting, Portfolio Analysis & Stock Valuation.

PROFESSIONAL EXPERIENCE

Confidential - Spartanburg, SC

Sr. Business System Analyst

Responsibilities:

• Worked as a member of Credit Analytics Team to develop the model for CCAR submission for a financial Institution.
• Responsible for requirements gathering, specifications and documentation of regulatory initiatives for OTC derivatives
• Wrote and executed SQL queries to verify that data has been moved from transactional system to DSS, Data warehouse, data mart reporting system in accordance with requirements.
• Participates in monthly accounting to assure reconciliation of co/cc andgeneralledgers.
• Convert client requirements into technical terms for the development team, and advised clients on resource requirements, scope, budgets, and timing; utilized SQL and Teradata query skills for testing and troubleshooting.
• Worked on a Risk Management System, which supplies users with intra-day and end-of-day speeds, status of modeled bonds, as well as credit and market risk information.
• Helped identifying reports for decision support system and interacted with database designers and architect for gathering the requirements for reporting.
• Support for an inventory management value assessment to improve financial performance and the customer experience by reducing working capitals and supply chain costs, and improving on shelf availability.
• Reviewing CCAR to Custody Reconciliations Identify the discrepancies and take immediate action to fix the issue. If break is due to an erroneous or missing transaction in CCAR make necessary adjustments.
• Reconciled investment portfolios between Portfolio Account Management System andGeneralLedger System.
• Implemented creative analytical solutions and reporting strategy involving exceptions handling, compliance tracking and data reconciliation.
• Worked extensively in data analysis by querying in SQL and generating various PL/SQL objects.
• Introduced and supported CCAR (Comprehensive Cost and Requirements System).
• Performed data analysis and data profiling using complex SQL on various sources systems including Oracle and Teradata.
• Documented existing flow of trade and risk data and for OTC derivatives and repos from credit systems to the calculator covering front office trading systems that resulted in banks compliance with regulatory requirements.
• Documented all data mapping and transformation processes in the functional design documents based on the business requirements
• Created Business Requirement Document (BRD), Functional Requirement Document(FRD) and Summary Reports.
• Created SQL scripts to find data quality issues and to identify keys, data anomalies, and data validation issues
• Track agency obligations and expenditures using the automated Comprehensive Cost and Requirements (CCAR) System.
• Responsible for reviewing business and individual tax returns and financial statements per GAAP and IRS credit policies.
• Involved in defining the source to target data mappings, business rules, and data definitions
• Preparation of Credit Limit note based on financial analysis and presenting of report to senior management
• Analyzed an array of financial metrics to assess the value of a business, determine debt capacity and understand the financial risks associated with its capital structure.
• Performed financial statement analysis and financial modeling for assigned corporate borrowers, assessing credit, financial, business, industry and regulatory risks.
• Prepared Traceability matrix, bug matrices, weekly and daily status reports and sent to management.
• Led efforts to improve efficiency of Bank Data Analysis teams through SAS & SQL report process
• Undertaking credit decisions up to a certain amount for new and existing accounts and contributes to decision making on credit management aspects above a specified level.
• Performed data analysis and data profiling using complex SQL on various sources systems
• Worked extensively with Risk Management, Mortgage Loan Servicing, and Commercial and Residential mortgage, CMBS, MBS
• Designed data mapping and filtering, consolidation, cleansing, integration, ETL, and customization of data mart
• Managing the data within finance to ensure adherence to consistent definitions, business naming standards, development of standard calculations, security requirements per CCAR requirements.
• Worked on billing system a cash management module and enhanced the encrypting standards that are required for the application.
• Performed requirement analysis by gathering both functional and non-functional requirements based on interactions with the Business process owners & stakeholders for implementing the OBIEE reporting tool.
• Worked in conjunction with other team members, technical architects and developers to understand system integration and interface requirements.
• Create and updated DoddFrank, CCAR and Basel presentations to Firm Management and various regulatory bodies
• 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.
• Utilized corporation developed Agile SDLC methodology. Used Scrum Work Pro and Microsoft Office software to perform required job functions.
• Extracted data from Oracle database with MS Access, and performed SQL query, data analysis and verification.

Confidential - Boston, MA

Business System Analyst

Responsibilities:

• Collaborate with BSA Compliance Officers and Risk Management to improve branch operations and KYC procedures in attempts to better detect possible money laundering and terrorist financing trends
• Prepared and obtained approval of system documentation, followed standard practices and procedures in analyzing and researching data and generating reports.
• Gather and write specifications for the equity derivatives risk management system, Listed, OTC Option Trading system to fulfil trading, product control, risk management and regulatory requirements.
• Initiated policy and procedures for accounts payable, accounts receivables andgeneralledger reporting.
• Responsible for developing Credit Line Increase and Credit Line Decrease strategies for Credit card portfolio.
• Monthly monitoring and forecast of Credit card portfolio for delinquency, charge-off and other Key performance Indicators.
• Conducted Teradata SQL statements for testing, resulting in confirmation Pass/Fail of test cases
• Wrote SQL scripts to test the mappings and developed traceability matrix of business requirements mapped to test scripts to ensure any change control in requirements leads to test case update
• Construct and developed the SharePoint Site for each CCAR cycle which is utilized for CCAR communication, storage of key CCAR files including business models, and automatic audit trail that is sent to internal audit team.
• Validated Loss Data for external reporting (ORX, ABA, CCAR) also Conduct stress tests on retained portfolio including CCAR, Dodd-Frank and Recent Experience stress tests .
• Performed data analysis, data reconciliation and data retrieval from various systems along with identification of data gaps and data quality issues for Basel II Credit Risk Mitigation System (CRMT)
• Overlapping waterfall model was used for requirements gathering.
• Project involved understanding the entire Electronic Fund Transfer system and the various processes related to it.
• Involved in extensive Data validation by writing several complex SQL queries and involved in back-end testing and worked with data quality issues
• Created a new risk and regulatory reporting system to deliver accurate and timely reports through a central data warehouse and Axiom's Regulatory Reporting System
• Performed data mapping, logical data modeling, created class diagrams and ER diagrams and used SQL queries to filter data within the Oracle database
• Provided system impact analysis and implement solutions to determine capital and RWA impact of Basel III regulations specifically as it relates to Central Counterparty Clearing (CCP) & OTC cleared derivatives, and exchange traded futures and options. Regularly holding sessions with Lines of Business (LOB) to document, implement and maintain the metadata and business rules for the bank's data, beginning with the data required for CCAR.
• Did Performance Tuning of the database that included creating indexes, optimizing SQL Statements & monitoring the server.
• Interacted with Cash Management Division and Compliance Office to review the AML (Anti Money Laundering) requirements and provide Positive Pay service to reduce check fraud
• Establish documentation for Agile methodology for implementation with a very water-fall-centric development team.
• Developed Reports in Access and Excel pivot tables, a standard set of queries against SQL Server databases, creating and formatting Excel/Access reports.
• Performed Root Cause analysis for CCAR file anomalies. Used Aqua Data Studio to execute SQL queries to analyze data to determine if anomalies were source file, coding problem or data quality issue. Once problem was determined open Defect on tracking system.
• Configured the Data mapping between Oracle and SQL Server 2005.
• Traceability Matrix was executed in TEST-NR environment, and the results were again tested in higher environments.
• Finally UAT was done on the release date, and any remaining issues were either solved or deferred to next build in PROD. This was noted in the Deferred Log document.

Confidential - Springfield, MO

Business System Analyst

Responsibilities:

• Met with stakeholders and users to review / manage expectations and identify opportunities to improve ROI.
• Proactively prepared RASCI Charts and Cross-Functional Flowcharts using MS Excel 2003 and MS VISIO 2003 respectively.
• Used Agile Software Development process viz. Scrum, as this was a time bound project.
• Responsible for business business analysis of customizing the BPS Risk Management product with involvement through the whole SDLC
• Retrieved data, generated reports, performed report analysis and data analysis and validation using SQL and Access.
• Authored Business Requirements Document BRD with project teams. Extracted, discussed, and refined business requirements from business users and SME’s.
• Prepared Use cases and Activity flow diagrams and Work flow diagrams, considering the scope of the project with MS VISIO 2003.
• Assured that all Artifacts are in compliance with corporate AGILE Policies and guidelines.
• Assisted in creating wireframes for web interface with the GUI design team.
• Created and implemented ITIL Incident, Problem, Change, Asset/Configuration Management, CSI processes and meaningful metrics.
• Ensure that wire request is in compliance with proper business authorizations per the treasury policy and procedures manual.
• Responsible for client documentation process from drafting to execution of deal including second review of outgoing and incoming confirms.
• Drafted, reviewed, interpreted and analyzed confirmations for OTC Derivatives including Fixed Income, Credit Derivatives and Equity.
• Conducted status report meetings with the business and the IT team on a weekly basis, as the most important aspect of the project was Data Mapping.
• Assisted project managers with the development of project schedules. Developed requirements and preliminary design for client applications. Performed analysis and design projects using a systems development methodology. Worked with all levels of client staff in solution definition.
• Assisted the development team in preparation of the CRUD Matrix.
• Exposed to SQL queries while churning out relevant information from company’s database.
• Assisted in system and user acceptance testing (UAT), free-trial demos, performed client presentations.
• Submitted change requests and worked with change request records in ClearQuest.
• Participated in entering and tracking system defects in Rational ClearQuest.

Confidential . - Ventura, CA

Business System Analyst

Responsibilities:

• Worked with the business community to define business requirements and analyze the possible technical solutions.
• Requirement gathering, Business Process flow, Business Process Modeling and Business Analysis
• Worked with the Business community, Tech Lead and 3rd party vendors in gathering their requirements and data transaction information related to OLTP, OLAP and ASP.
• Gathered requirements from the business and wrote use cases for development of customer facing order entry tool Axiom.
• Co-authored business requirements document with project teams. Extract, discuss, and refine business requirements from business users and team members.
• Facilitated and managed meeting sessions with committee of SME from various business areas including Mortgage Servicing, Loan Monitoring and Asset Management.
• Extensively involved with the trading activities of Credit Derivatives, Interest Rate Derivatives, FX Derivatives, Equity Derivatives and Commodity Derivatives; and Futures including Commodity Futures Contracts and Financial Futures.
• Run the SQL queries using TOAD and SQL Navigator. Wrote SQL statements to extract data from the Tables
• Helped with Data Mapping between the data mart and the Source Systems.
• Developed and implemented processes and tools for requirements gathering, analysis, planning, tracking and delivery using Rational Rose requisite pro - RUP
• Performed Gap Analysis for new functionality requirements, as well as prioritized them based on actual business needs so as to align them with the product release roadmap.
• Designed and developed Use Cases and UML models using Microsoft Visio.
• Prepared and analyzed AS IS and TO BE in the existing architecture and performed Gap Analysis.
• Created workflow scenarios, designed new process flows and documented the Business Process and various Business Scenarios and activities of the Business from the conceptual to procedural level.
• Assisted project managers with the development of project schedules. Develop requirements and preliminary design for client applications. Perform analysis and design projects using a systems development methodology. Work with all levels of client staff in solution definition.