SUMMARY

• Around 9 years of experience as Business Analyst in various enterprise verticals such as Financial, Digital Marketing, Salesforce platform applications
• Ability to elicit requirements across multiple business areas by analyzing, interviewing SMEs to determine workflows, data requirements and functional requirements
• Experienced at analyzing the current business model for performing Gap Analysis; and generating “As - Is” and “To-Be” process flows
• Liaison between Business, Technology, User Experience and Quality Assurance teams in various phases of the project life cycle to transform complexrequirements into software solutions
• Skilled in interacting with business users to identify business requirements for creating Use Case document including Use Case Diagrams, Activity Diagrams, Sequence Diagrams based on UML methodology using MS Visio
• Detail-oriented with a keen ability for problem solving skills to break down ambiguous requirements to deliver clear and easy to follow business requirements using UML diagrams
• Responsible for gathering complex business and functional requirements by transforming them into software solutions with deliverables such as Business Requirements Document, Use Case document, Business rules, User Stories, Requirement Traceability Matrix, Screen Mock-ups and Wire-frames on increasingly complex and cross functional projects
• Experience in User Interface (UI)and User Experience (UX) design with understanding of User Centered design in Mobile and Web-based products using Agile Scrum and RUP iterative methodologies for Loan Origination, Loan Servicing, Wealth & Portfolio Management, Customer Relationship Management (CRM), Employment Eligibility, Financial and Banking Services
• Strong interpersonal communication skills with ability to communicate with stakeholders at various levels and collaborate as a liaison between Technology and Business partners including vendors, offshore teams and internal onshore groups

TECHNICAL SKILLS

Software tools: MS PowerPoint, MS Visio, MS Project, MS Outlook, SharePoint, Documentum, Sales Cloud/Sales Analytics, Financial Services Cloud, Service Cloud/Service Analytics, Atlassian Confluence and JIRA, SnagIt (Screen instance capture), Balsamiq (Wireframes), Invision (Interactive prototyping - web/mobile apps)

Analytics Tool: Google Analytics to capture metrics (product/device/browser, site performance, web traffic usage)

Platform/ Technical Environment: UNIX OS, Salesforce, Java J2EE, MVC, JSP, JavaScript, JQuery, AJAX

Databases & Tools: Oracle 11g

Quality Assurance: Rational ClearQuest, HP Application Lifecycle Management (ALM)

Methodologies: Agile Scrum, Rational Unified Process (RUP) and Waterfall

PROFESSIONAL EXPERIENCE

Confidential

Payment Initiation Business Systems Analyst

Responsibilities:

• Responsible for identifying and analyzing various Wires and ACH payment initiation APIs that send payment transactions to the Payment processing systems such as ACI Money Transfer System and PEP+. The analysis included all Outbound and Inbound payment flows for Domestic and International payments
• Participated in capturing and analyzing the payment channels, payment types, message types and APIs between payment initiation channels and payment processing systems by interviewing the stakeholders of Payment channels in the North American IRB territories
• The deliverable included detailed documentation on Payment data flows for Outbound and Inbound transactions for Wires and ACH payments. The transaction flows included Actimize fraud analytics and fraud detection API for monitoring transactions in real time, allowing for targeted interdiction to minimize losses to improve customer experience.The Fraud detection application called IRIS utilized Actimize to streamline fraud operations and support core fraud management functions such as alert routing and prioritization, workflow management, investigation, and operational performance reporting.
• The transaction processing was compliance control focused related to IRIS - fraud detection, BSA/AML check and Office of Foreign Assets Control (OFAC) which is Federal financial intelligence and enforcement agency responsible for planning and executing of economic and trade sanctions
• BNPP (Banque Nationale de Paris Paribas) modeling convention was used to generate standardized modeling rules for Domestic and International payment channels to meet BNPP and Confidential compliance with audit requirements for KYPS (Know Your Payment System).

Environment: MS Office Suite, MS Visio, Java, JavaScript, JSON, XML, SOAP and REST APIs

Confidential

Business Analyst

Responsibilities:

• Participated in requirements gathering for Wealth Management system targeted for using Force.com and integration of client portfolio analysis using AppExchange. Defined integration of Salesforce for Wealth Management to meet security, performance, compliance and dashboard reporting needs for advisors, branch managers, and senior management
• Worked on business requirements gathering and analysis for integrating eFulfillment services for electronically capturing customers’ account application, account agreement documents including signature related to new account opening and certification of W-8 and W-9 IRS forms for tax payer identification and certification
• Developed Product Definition Document to capture “current” authentication methods and proposed “future” cross-channel risk-based authentication strategies across multiple lines of business(LOB) that required partnering with various stakeholders and product owners to capture their requirements. Created workflow models and business process design based on the requirements and leverage a high level design for services for business rules validation and data retrieval / update services for API design.
• Explored the current authentication methods such as Single Sign-On, 2-factor authentication, Wholesale Common Authentication (WCA), Access Phrase, One Time Passcode (OTP) and Out of Wallet questions
• Consulted with architects and partnered with the Innovation Group to understand long term strategic direction for authentication involving biometric, touch ID and voice print for digital platforms
• Gathered metrics to analyze the transactional data for online, mobile and email customer profiles within various LOBs in order to evaluate and strategize the future migration to enterprise level common authentication service
• Documented the requirements related to General Data Protection Regulation (GDPR) that deal with procedures related to providing privacy notices, seeking consent from individuals or parental consent, protecting personal data when sharing with other organizations, processing of personal data and data retention policy. The requirements also included implementation of data security, protection and privacy impact assessment tools as identified by Data Governance and Security teams.
• Responsible for producing various artifacts by using Microsoft Office tools such as Word for PDD, Excel for comparative analysis of various authentication methods and PowerPoint to present the findings of the analysis to Leadership team.

Environment: Salesforce.com, MS Office Suite, MS Visio, SharePoint, Atlassian Confluence

Confidential

Business Analyst

Responsibilities:

• Developed detailed business requirements for various loan servicing types that an existing PAL account can be serviced by producing business process flows and breaking down functions into detailed requirements
• Analyzed customer profile and loan account data to develop the data model and Entity Relationship and Data mapping document
• Met with vendor team at off-site meetings to discuss Loan Origination and servicing integration to define high level user stories, UI screen flows that were used to create product backlog and sprint plans. The conceptual and logical architecture was used to determine various integration points
• Developed Straight-Through-Processing (STP) business requirements that integrated multiple application types and roles into step-by-step detailed process to develop future state bank lending platform
• Worked closely with the business team to gather detailed loan origination and servicing requirements, facilitated the discovery and prioritization of requirements for developing the product backlog that was used for planning the sprint cycles using Agile software development methodology
• The Business team transitioned the work to a third party vendor team for development, integration and customization effort for building the final lending product
• Worked with the Business team and SMEs to capture the business requirements for CDD for developing the Business Requirements Document (BRD)
• Collaborated with line of business stakeholders of Loan Originating systems to standardize and identify gaps in KYC/KYA questionnaires by carrying out a comparative analysis of the questionnaires of various loan products for better alignment with BSA/AML, risk scoring and OFAC requirements
• Actimize integrated Fraud management for line-of-business specific fraud detection framework services to analyze changing fraud patterns and provide fraud detection and decisioning of suspected fraudulent transactions. Actimize engine was extensively used for transaction risk scoring, detection of money laundering and fraud activities. Actimize Enterprise Risk Case Management workflow was used for alerting to prevent financial crimes, supporting case investigations for fraud, AML, Regulatory reporting and Operational efficiency

Environment: Salesforce.com, MS Office Suite, MS Visio, SharePoint, Agile Sprint methodology