SUMMARY

• Around 7+ years of extensive work experience as a Business Analyst in Banking and Finance domains.
• Strong analytical skill in analysing 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.
• Well versed with regulatory reporting and stress testing (Dodd Frank/CCAR, and Basel III), Portfolio Risk (Credit Risk, Market risk across all assets, Facility Risk Rating, Statement Forecasting) and Compliance regulatory (KYC and Customer on Boarding).
• Depth knowledge in financial instruments within investment banking and brokerage environments (Fixed Income, Equity, Capital Markets, FX, Futures, Options, Trading Commodities, Debts).
• Adept at designing business models using UML diagrams - Use Case, Work Flow diagrams and data flow diagrams.
• Excellent facilitation skills in conducting walkthroughs, surveys, questionnaires, interviews, brainstorming and JAD and JAR sessions. Excellent liaison skills in dealing with different stakeholders and managing business communications.
• Experience in ETL Processing, Data Analysis, Gap Analysis Data Profiling, Data Mining, Data Migration, Data Integration, Data Mapping and Configuration Management.
• Have exposure in educating internal customers on business systems, rules and procedures as well as working with other analysts and QA team to set priorities and schedules.
• Work experience in Risk Control, DFAST (Dodd Frank), CCAR and other regulatory reporting process.
• Hands on Experience in Global Liquidity Risk Infrastructure (LRI), PPNR, Zero Based Budget, Projection, Prime.
• Familiar with SOX Compliances and Basel II standards. Worked on data analysis of Mantas - Anti-Money Laundering (AML) Compliance data and supported user requirements.
• 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).
• 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.
• Strong ETL experience of using Informatica Power Center Client tools - Source Analyzer, Target Designer, Transformation Developer, Mapping Designer, Mapplet Designer, Repository manager, Workflow Manager/Monitor.
• 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 background in CCAR Regulatory Reporting especially in FRY 9C, FRY 14M/Q/A, FFIEC 041, FFIEC 031 reports and the related schedules.
• Conducted GAP analysis to capture functionalities of existing systems and analysis requirements of the proposed system or enhancement 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.

TECHNICAL SKILLS

Operating Systems: Windows 7/XP/Vista, Mac OS X

Business Modeling Tools: Microsoft Visio, Rational Rose, Requisite pro

Business Intelligence Tool: Tableau Desktop, ITIL

Databases: SQL Server, Oracle, T-SQL Server, MS Access

Programming/Languages: C, SQL, XML

Testing Tools: Rational Enterprise, HP QC/ALM, QTP, WinRunner

Design & IDE Tools: MS Visual Studio

Office Tools: MS Word, Excel, PowerPoint, Outlook.

Requirement Management Tools: Caliber RDM, Caliber RM, SharePoint

Defect Tracking Tools: JIRA, HP QC-ALM

Test Tools: HP QC, Bugzilla

Methodologies: RUP, UML, Six Sigma

Change Management tools: Rational Clear Quest, Test Director

PROFESSIONAL EXPERIENCE

Sr. CCAR/ Regulatory Reporting/ Risk Analyst

Confidential - New York, NY

Responsibilities:

• Coordinated with Finance & Regulatory Report Automation Project (Dodd Frank and Call Reporting Process) designed to enhance production efficiencies while decreasing operational risk by using automated reporting application AXIOM SL.
• Worked with institutional clients in the implementation and enhancement of their regulatory reporting process; this involved working on various reports such as the FR 2052a, FR Y-15, CCAR, FR Y-9C and the Call Reports.
• Worked with cross functional teams to update, implement and test changes to regulatory reports utilized in the regulatory reporting products, i.e. translated the new regulatory requirements into functional design specifications used by the technical development team to implement the required changes and enhancements to the regulatory reporting tool / product.
• Managed and worked with offshore IT teams in product development which included but not limited to researching and working on software improvement and the introduction of new reports to be supported by the firm's regulatory reporting software.
• Led in the implementation of the firm's regulatory reporting software into clients reporting system and assisted clients in the re- engineering of their reporting system which improved their overall regulatory reporting process.
• Worked with institutional clients in the review of their regulatory reporting requirements and their overall compliance.
• Assisted in employee regulatory reporting training and development to improve the quality of service provided to the clients.
• Implemented business logic, data lineage mapping and traceability for Dodd Frank regulatory reports: Monthly and Quarterly FR Y-14 and Quarterly Call Reports (FFIEC031, FFIEC 041, FR Y-9LP & FR Y-9C) for Federal filing.
• Responsible for a number of the bank's stress testing and capital planning processes for (FR Y-14A) annual Comprehensive Capital Analysis and Review (CCAR) and semi-annual Dodd Frank Act Stress Test (DFAST) submission.
• Consolidated and mapped Income Statements, Balance Sheets, and other financial reporting across multiple economic scenarios for (FR Y-14A) annual CCAR, and semi-annual DFAST submission.
• Created custom monthly report whole sales and retail banking (First lean mortgage, Home equity loans, Auto loans, Small business loans and other consumer loans) for different loan services used by the bank.
• Worked with other line of business on initiative of identifying, researching, and rectifying gaps and discrepancies in Regulatory Reporting.
• Accountable in leading Business Acceptance Testing (BAT) team and finance team in implementing of logic deployed to populate regulatory reporting schedules.
• Created Test Data according to Axiom Mapping Logic and Filtration Logics of the FFIEC 031, FFIEC 041, FRY 14M/Q as per the required Schedules (Schedule A, A2, A7 A9).
• Performed analysis as part of annual Federal Reserve stress tests such as Comprehensive Capital Analysis and Review (CCAR) and Dodd-Frank Act Stress Test (DFAST).
• Have intimate knowledge of the line of business data to ensure Instruction changes have minimal impact to CCAR Schedule.
• Assisted in the design, development, and management of liquidity stress testing models for the Wholesale and Retail asset classes.
• Analyzed the new regulatory requirements on market risk calculation, monitoring, reporting, and testing.
• Involved in documenting detailed Functional Requirement Specification based on Basel regulatory requirements by using Power Designer.
• Cooperated with CCAR team on delivering of the Basel capital regulatory results to serve the CCAR various reporting forms.
• Participated in preparation of schedules within several regulatory reports notably FRY9C, FFIEC, FRY 14Q/M, FRY 14A etc.
• Created Blank Instances from Source Maintenance - Axiom Controller View for the FFIEC 031, FFIEC 041, FRY 14M/Q Reports.
• Performed Enrichment according to the appropriate Project, Branch and Workflows for the FFIEC 031, FFIEC 041, FRY 14M/Q Reports.
• Ran the Report in Axiom Controller View Tool to view the Output of the FFIEC 031, FFIEC 041, FRY 14M/Q forms.
• Analyzed different source systems (AMLN, LoanIQ, ACBS, Credit Cards) and identified the reporting data elements required to report to Dodd Frank and Call Reports.
• Worked as part of the AXIOM team on the business rules and the change requests when there were changes from Dodd Frank.
• Coordinated the Results with the Superiors and logged Defects where necessary with the Defects Team.
• Prepared Daily Status Report in QC with Graphs for Senior Management for Decision Making and responsible in adding new Project Releases in QC/HP ALM.
• Resolved issues and problems face by the Development team in receiving the transmitted Test Files from Upstream partners.
• Coordinated the UAT Testing efforts/updates between the Testing Team and the Business Team and facilitated meetings representing the Technology Team on Data needs for SIT and UAT Testing.
• Coordinated the testing needs to the Client, on types of Test File needed, format issues and frequency if it's a Daily or Monthly Test File.

CCAR/ Regulatory Reporting/ Risk Analyst

Confidential - NYC, NY

Responsibilities:

• Used Rally to keep track of user stories, Participated in User Story Grooming and prepared the CCAR reporting schedules (FRY 14A/Q) on certain periodic basis.
• Gathered Business Requirements, defined the scope of the project, analyze and prioritized requirements, developed customized business strategies, and identified high potential business opportunities
• Automated the generation of Customer Due Diligence (CDD) and Enhance Due Diligence (EDD) reports in compliance with AML regulation.
• Assisted in performing liquidity risk & credit risk analysis on outstanding loans under different pressured scenarios.
• Documented and published in Power Designer the Current, Interim and Future state detailed end to end (ETE) data flows for Listed Derivatives products across various lines of businesses i.e. Equities, Rates, RMBS / Credit, GLMFX and Markets Prime Finance.
• Analysis and implementation of solutions and packages sent by Actimize and held meetings with stakeholders for gathering business requirements.
• Assisted in credit structuring scenarios, including credit memo and financial Projections and participated in the development and execution of annual planning and quarterly forecasting.
• Created and coordinated annual operating budgets for two facilities using zero based budget methodology for a combined operating budget.
• Actively aided and contributed to the procurement of new projects, ranging from Actimize oriented solutions to Reporting solutions using Excel VBA Macros.
• Worked with region and country AML Compliance leads to support start-up of compliance-led projects at regional and country levels. Including defining the subsequent phases training, UAT, staff to perform test scripts, data migration and the uplift strategy (updating of customer information to bring them to the new KYC standards) review of customer documentation.
• Analysis and design of CCAR (FRY 14Q and FRY 14M - all schedules), FRY 9C (few schedules), FFIEC102, etc. report requirements in AXIOM.
• Worked as primary coordinator for risk weighted assets reporting for relevant financial and regulatory work through presentation stream & primary subject matter expert for Basel III regulatory capital rules.
• Involved with the procedures of Banking & Regulatory Compliances- Anti-Money Laundering (AML), Customer Identification Program (KYC/CIP), CCAR Regulatory Reporting, Dodd-Frank Act.
• Completed Gap Analysis and built Source to Target mappings and Data Lineage documents to deliver data from several source systems to Axiom Dynamic Data Warehouse and Integration Center for construction and execution of over several CCAR (Comprehensive Capital Analysis & Review) Submissions and DFAST Stress Models.
• Conducted JAD sessions, met with client and end users to accelerate the design of IT solutions and depict the user's view of the business needs and to jointly develop a solution.
• Created burn down chart of the whole project and each sprint while conducting daily scrum meetings with developers.
• Ensured data integrity and accuracy with other regulatory submissions (FRY 9C, FRY 14A, FRY 14M, GL system, etc.)
• Statistical analysis of data; creating permanent formatted SAS data sets for present and future analysis.
• Developed and ran complex financial models to produce projections, simulate scenarios, and obtain comparative financial data.
• Knowledge of CCAR, Dodd Frank Annual Stress Testing (DFAST) Regulations, and effects on economic scenarios on bank's regulatory capital.
• Responsible for applying regulations based on Basel III, which further can be implemented into DFAST and CCAR, which help to project Liquidity Impact.
• Involved in making appropriate commitments through story selection, sizing and tasking and designed and implemented basic SQL queries for data warehouse, and did data profiling.
• Involved in Scrum Sprint Planning Sessions, Backlog Grooming Sizing, Sprint Retrospectives & Reviews, Daily Stand ups, User Stories and Acceptance Criteria
• Developed UML diagrams (use case diagrams, activity diagrams, sequence diagrams, and class diagrams) to validate entity reference data and verification of the customer records: legal name, address, business purpose legitimacy and analysis of transaction activity)
• Created wireframes to help developers build the application in Visual Basic and held data modeling sessions by developing DFD.
• Ability to apply knowledge of regulatory/ compliance risk management and AML related requirements as they relate to money laundering and terrorist financing within IRT accounts.
• Issued the Test Plan Document, Test Planning, Test Design and Test Execution and was involved in the Testing Process which verified and validated all the defined business requirements and associated functionalities.
• Managed a zero-based budget, providing supporting documentation for each purchase within a calendar year. Identified cost saving purchases, maintaining a high technical return.
• Compiled data in the FRY 14A summary templates for mid-year DFAST submissions and the FRY 14A CCAR submission.
• Lead the UAT effort and was single point of contact for all the User Testing issues and Change Management.
• Created the Requirement Traceability Matrix (RTM) to project the life cycle activities and work products to the project requirements.
• Coordinated System Integration Testing (SIT), and Regression testing for the project implementation.
• Effectively led the effort and implementation of the Business User Acceptance Testing and worked closely with Change Management team and attended Change Advisory Board meetings.

Business Data Analyst- Finance

Confidential - New York, NY

Responsibilities:

• Participated in the reporting of the semi-annual CCAR stress testing results and overlay process and provided strategic leadership on Security and Fraud Risk initiatives by establishing best practices, system and processes.
• Gained deep understanding of the credit, liquidity, market and operational risks of the various businesses and evaluated the firm's risk management practices.
• Made best practice recommendations to improve risk management given the evolving financial landscape.
• Worked on documentation of project vision and scope, cost-benefit analysis, management of project budget and making project schedule with the Project Manager.
• Conducted and guided JAD and Brainstorming Sessions to gather Business Requirements from Market Risk.
• Developed good practices for risk modeling procedures related to CCAR/DFAST and assisted in the calibration and validation of Mantas AML scenarios and behavior detection logic.
• Communicated with all stakeholders and SMEs in all phases of the project, make sure the process is on the right track.
• Led Business Analysis and Functional Specification areas to plan and execute various consent order projects, ensuring adherence to regulatory requirements (AML, KYC, Dodd-Frank, etc.).
• Provided short and long range and forecasting projections, worked with leadership to develop zero base budgets.
• Participated in data modeling, data analysis and requirement documentation. Extensive experience in Financial Service industry related t - Credit Risk, Market Risk, Market Risk, Credit Risk, Liquidity Risk, Basel II/III, CCAR.
• Responsible for the development and maintenance of the SAS code and related processes for the CCAR schedule template data generation and reporting.
• Lead on the data sourcing effort for Retail Schedules pertaining to CCAR and the FRY 14Q reporting to FED.
• Extracted data from the database using SAS/Access, SAS/SQL procedures and created SAS data sets for statistical analysis, validation and documentation.
• Responsible for supporting and leading aspects of the firm's Anti-Money Laundering (AML) program.
• Participated in preparing for CCAR reporting schedules (ex. FRY 14A/Q/M & 9C). Monthly and Quarterly budget forecasting and cost management.
• Lead on the data sourcing effort for Counterparty Credit, Market and Operational Risk, Income Statement and Balance Sheet Schedules pertaining to CCAR and the FRY9C reporting to FED.
• Created suite of Excel models used monthly for analysis and verification of Basel II results in Production environment.
• Exhaustive data analysis/data investigation of end-to-end data flow to identify data gaps and data integrity issues with focus on raising alerts through AML Mantas Tool.
• From CCAR Dashboards by mapping MDRM keys validated each of the line items in FRY 14A Summary report.
• Responsible for supporting and leading aspects of the firm's Anti-Money Laundering AML program to identify, remediate and track issues, and develop controls to sustain improvements as they are implemented.
• Analysis and design of CCAR (FRY 14A schedules of Income statement and balance sheet), FRY 9C (few schedules), report requirements in AXIOM.
• Organized and lead quarterly and annual business reviews and adherence to zero based budgeting requirements.
• Created and maintained SAS and Excel Dashboards needed for data mining, analysis and report automation.
• Created and managed the project schedule, monitored the whole team to complete tasks in timely manner.
• Performed Gap Analysis to understand the existing features and functionalities of the module, and determine new functions to be added into the new version.
• Performed analysis as part of annual Federal Reserve stress tests such as Comprehensive Capital Analysis and Review (CCAR) and Dodd-Frank Act Stress Test (DFAST) Have intimate knowledge of the line of business data to ensure Instruction changes have minimal impact to CCAR Schedule.
• Worked as part of the Global Banking & Markets KYC/AML Client Due Diligence team.
• Assisted in the design, development, and management of liquidity stress testing models for the Wholesale and Retail asset classes
• Analyzed the new regulatory requirements on market risk calculation, monitoring, reporting, and testing.
• Involved in documenting detailed Functional Requirement Specification based on Basel regulatory requirements by using Power Designer.
• Cooperated with CCAR team on delivering of the Basel capital regulatory results to serve the CCAR various reporting forms.
• Participated in preparation of schedules within several regulatory reports notably FRY9C, FFIEC, FRY 14Q/ M, FRY 14A etc.
• Accountable in leading Business Acceptance Testing (BAT) team and finance team in implementing of logic deployed to populate regulatory reporting schedules via Created Test Data according to Axiom Mapping Logic and Filtration Logics of the FFIEC 031, FFIEC 041, FRY 14M/Q as per the required Schedules.
• Responsible for the successful development and deployment of CCAR model suite for PD, EAD and LGD models.
• Assisted the market data team to integrate data using ETL tools, and involved in implementing complex Business Objects reporting solutions
• Resolved issues and conflicts between different stakeholders, found out proper resolutions to make all stakeholders satisfied.

Business Analyst

Confidential - Pasadena, CA

Responsibilities:

• Effectively translated high-level business requirements into detailed functional Specifications and made changes to the specifications accordingly.
• Coordinated with the Technology team to provide a solution as per the Business Needs and drafted test cases and coordinated testing progress using Mercury Quality Center.
• Used Share point to share information, schedule meetings, and organize files, create/modify/delete use cases and to coordinate with stakeholders.
• Involved in creating and updating functional specifications to document existing functionality of the application.
• Worked with the project managers by contributing effective solutions and performed business and system level analysis, and provided documentation for deliverables.
• Conducted JAD sessions with Stakeholders, SME's, and User Interface Leads, QA analysts to discuss issues and to resolve them.
• Provided suggestions to User Interface Leads on converting the use cases into Wire frames and facilitated the UAT team during test script preparation to clarify application functionality.
• Ability to manage multiple concurrent projects through complete life cycle from requirements to implementation.
• Worked closely with stakeholders, software architects and UI designers to define the software product functionality.
• Documented detailed use cases that translated high-level requirements into system/functional specifications.
• Produced detailed description of user stories, business rules, steps, and data elements required to develop new or modify existing products.
• Documented system functionality through abstract UML artifacts (e.g. domain/object models, use case diagrams, state charts, etc).
• Communicated the capabilities of the product suite to development engineers, test analysts, technical writers, trainers and other staffs.
• Coordinated with user group for the User Acceptance Testing and wrote test plans, test scripts and test scenarios.
• Participated in software design reviews, testing, configuration control, and reporting and planned and executed functional test cycles using manual and automated testing techniques.
• Conducted the full life cycle testing including system, regression, integration and post implementation testing.
• Managed the submittal of necessary documents concerning real property management, operations, maintenance, and capital improvement projects.
• Responsible for all pre-and post-go live business requirements and proper documentation. Managed project list of IT department to prioritize deliverables. Set up and reviewed testing, training and documentation on all modifications and enhancement. Identifying entity types and then assigning attributes to those entities (Data Modeling).