PROFESSIONAL SUMMARY:

• Around 7+ years of extensive experience as CCAR Consultant/ Business Data Analyst of IT experience in Banking and Financial domain along with the specialization in CCAR, Dodd Frank and other financial regulations and experience in customizing financial services applications.
• Experience on CCAR, Basel II, Basel III, Dodd - Frank Regulatory Reporting FR Y-14A/Q Monthly, Quarterly, Annual, FRY9-C, DFA 165, DFA 165E and others required for banks for compliance reporting to various regulatory agencies.
• 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.
• Experienced in CCAR Regulatory Reporting and CCAR Stress Testing for Banking Balance Sheet Asset management.
• Implemented the Data Governance/ Data Quality program for various source systems that are used for Basel III Capital calculation.
• Expertise in Project Scoping, Planning, Estimating, Scheduling, Organizing, Directing, Controlling, Budgeting and Drafting Remedy Procedures.
• Present project included working within the Counterparty Credit Risk team as a Business Analyst focusing on CCAR and GMS (Global Market Shocks).
• Provided requirements for CCAR Dashboard, and TSA module enhancement for the upcoming 2017 CCAR cycle.
• 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).
• Extensive experience in developing & creating Screen Mockups, conducting Gap Analysis and Impact Analysis, SWOT analysis, Cost Benefit Analysis, Risk Analysis.
• Expertise in broad range of technologies, including business process tools such as Microsoft Project, MS Excel, MS Access, MS Visio, technical assessment tools, Micro Strategy Data Warehouse Data Modelling and Design.
• Extensive experience in Requirements Gathering, Surveys/Questionnaire Development, Business Requirement Documents (BRD), Functional Requirement Specifications / Documents (FRS/FRD).
• Expertise in facilitation of interviews, conference, workshops in Joint Requirement Planning (JRP), Joint Application Development (JAD) and Rapid Application Development (RAD) sessions.
• Familiar with SIPOC diagram Six Sigma, RACI Charting, facilitation of Kaizen events.
• Strong Knowledge and experience of Agile, RUP's Iterative Software Development Life Cycle (SDLC), Waterfall processes, Object Oriented Analysis and Design (OOA/D).
• Responsible for applying regulations based on Basel III, which further can be implemented into DFAST and CCAR, which help to project Liquidity Impact.
• Member of strategic team responsible for implementing Federal Reserve Board's Comprehensive Capital Analysis and Review (CCAR) supervisory stress testing program.
• Knowledge of Business Intelligence and Data warehousing tools such as Cognos, Tableau, and Informatica.
• Extensive experience working with Business Intelligence data visualization tools with specialization in Tableau Desktop, and Tableau Server.
• Incorporated interest rate data for CCAR (Comprehensive Capital Analysis & Review) reporting. Implemented aggregation logic to integrate IRRM data due to data granularity differences with CCAR.
• Strong understanding of finance requirements and regulatory compliances, CCAR Regulatory Reporting, Basel II, Dodd Frank Act, Bank Secrecy Act, Customer Identification Program (KYC).
• Expert at Risk Management by Risk Identification, Impact Assessment, Prioritization Analysis, Risk Tracking and Mitigation.
• Highly skilled in liaising between top management, development and Quality Assurance team for requirements.
• Lead JAD sessions with corporate tax department and all source system SME's and prepared FRS for FATCA Reporting project.
• 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).
• Experience on CCAR, Basel II, Basel III, Dodd-Frank Regulatory Reporting FR Y-14A/Q Monthly, Quarterly, Annual, FRY9-C, DFA 165, DFA 165E and others required for banks for compliance reporting to various regulatory agencies.
• 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.
• 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 knowledge of Interest Rate products, money markets, and fixed income securities.
• Understanding of various asset classes (i.e., equity, fixed income, ETDs, OTCs), Transaction types within each asset class and their proper reflection in Accounting and other applications.
• In depth knowledge of Dodd Frank, Basel I/II regulations for transparency of transactions and stockholders' interests.

TECHNICAL SKILLS:

Requirements Management Tools: Rational Requisite Pro

MS Office Suite: MS-Project, MS Word, MS Excel, MS PowerPoint, MS Outlook, Lotus notes

Modeling tools: MS-Visio, Rational Rose

Other Tools: HP ALM, HP Quality Center, Clear Quest, SharePoint, Clarity, VSS, ITSM

Wealth Management: Client & Account Data, Online account opening, Enterprise Account opening and maintenance, Client On boarding, Data Governance, Trading Applications like Equity trading, Fixed Income products and Trading, Options trading, OTC derivatives and futures trading, Regulatory reporting, Clearing and Settlement, Margin, FA compensation, General Ledger.

Regulatory programs: Basel, SOX, BSA AML (Anti money laundering), KYC, Dodd Frank and Data Masking.

Investment Banking: Capital markets, Money markets, Trading, Clearing and settlement, Derivatives, Commodity markets, Equity, Futures and Options trading, Fixed income, Mutual funds, IRA Annuities and Trust products, Money Movement, Wire Transfer, Payment Systems.

Retail Banking: Deposits, Loans, Mortgages, General Ledger, Clearing, Government Accounts, Forex Trading, Front-end applications, Sweep Transactions, Funds transfer, Collections and Remittances, Credit Rating, Swift, Reconciliation, Customer information facility, Account opening and maintenance, savings, Interest calculations and capitalization, Core Banking implementation

WORK EXPERIENCE:

Sr. CCAR/ Regulatory Reporting Analyst

Confidential, New York, NY

Responsibilities:

• Documented trade order lifecycle for all instruments, equities, equity options, structured products FX, equity derivatives, Fixed Income, treasury bonds, Auction Rate securities including corporate and municipal bond debt instruments, Variable rate Demand and Preferred, OTC derivatives, Structured products, Money Market instruments, FX, Asset-backed securities, alternatives investments with exposure credit risk involved.
• Reviewed Risk Exposure calculation for key metrics for different LOBs like Card Auto and Loss forecasting for Basel, CCAR and Draft Requirements. Defined and established attribution analysis for analysing the changes in forecasted RWA changes with respects major Risk factor.
• Performed documentation such as Regulatory Reporting FR Y-14A/Q, FR Y9, FFIEC 041, FFIEC 031 reports and Dodd Frank (Dodd-Frank Act Stress Test).
• Collaborated in the implementation of a risk management framework to ensure corporate functions are following the Federal Reserve's Comprehensive Capital Analysis Review (CCAR) regulatory requirements.
• Worked on a Risk Management System, which supplies users with intra-day and end-of-day speeds, status of modelled bonds, as well as credit and market risk information.
• Reviewed 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.
• Tracked agency obligations and expenditures using the automated Comprehensive Cost and Requirements (CCAR) System.
• Constructed 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.
• Involved in test evaluation process for Annual and monthly risk reporting and Risk data council meeting result, affirmation and execution followed for federal reporting requirement under CCAR testing.
• Ensured the data quality by checking the completeness, consistency and accuracy of risk data for regulations of BASEL III and Comprehensive capital analysis and review(CCAR).
• Gathered CCAR PPNR and supplementary metrics (FRY 14) forecast from different business units.
• Supported CCAR and BASEL data acquisition teams to validate and reconcile data coming from various systems.
• Responsible for reviewing business and individual tax returns and financial statements per GAAP and IRS credit policies.
• Performed financial statement analysis and financial modelling for assigned corporate borrowers, assessing credit, financial, business, industry and regulatory risks.
• 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 requirements modelling and develop analysis diagrams, activity diagrams, sequence diagrams, state diagrams, data models, and use-case realizations using RUP tools in Agile.
• Provided expertise on structuring new capital market investment funds, specifically, leveraged investment funds (including the refinancing of existing funds).
• Assembled, analyzed and disseminated CCAR source documents and analytics from regulators to support senior management with mobilizing resources to address the entity's CCAR compliance Planning and response.
• Performed CAPs review, preparations, CCAR validation and CCAR CAP's Quality Assurance and took key initiatives to identify data gaps and potential areas of improvement in report preparation process for Basel compliance.
• Involved in the CCAR data analysis and reporting and designed packages in SSIS with various complex transformations such as derived column, conditional split, lookup, aggregation, execute SQL task.
• Utilized corporation developed Agile SDLC methodology and used Scrum Work Pro and Microsoft Office software to perform required job functions.

CCAR Business System Analyst

Confidential, Manhattan, NY

Responsibilities:

• Updated and managed SharePoint Site for each CCAR cycle that is utilized for CCAR communication, storage of key CCAR files including business models, and automatic audit trail that is sent to internal audit team.
• Gathered CCAR, PPNR and supplementary metrics (FR Y-14, FR Y-9C) forecast from different business units.
• Collaborated with stakeholders to discuss the feasibility, profitability, and risk of the project.
• Analysed and created Business Requirements and Functional Requirements for 14Q/A Actuals for various schedules.
• Gathered detailed business requirements and deliver detailed business functional requirements specifications.
• Created UML diagrams such as Sequence Diagrams, Activity Diagrams and User Stories when needed.
• Created the initial SOX controls for General Ledger and Inventory segments and assisted to develop project plan using Agile Methodology.
• Conduct requirement review sessions with Quants, Developers, and Testing Team and worked closely with management, sales and finance departments.
• Developed a risk based test plan by selecting appropriate audit approach, test procedures and sampling criteria based on professional judgment and departmentally defined internal audit methodology.
• Support listed/OTC derivatives and Hedges trade capture or trade ordering requirements for system and developed internal control procedures to satisfy SOX requirements.
• Expertise in creating and updating CCAR, BASEL, DODD FRANK presentations to various board management and regulatory bodies.
• Analysed the new regulatory requirements of Basel Accord on Market Risk calculation, monitoring and reporting, and new implementation of Comprehensive Stress Testing.
• Working exposure to Retail Banking, Investment Banking, Capital Markets, Retail Market and Digital Media Market.
• Served as a liaison between Internal Audit, Model Development, Model Validation, Finance/Treasury, Business and Technology functions as related to PPNR models and applicable work stream project management requirements.
• Provided credit fixed income support to corporate clients and to the Global Syndicated Finance, Loan Trading, and Debt Capital Markets desks.
• Work experience in Risk Control, DFAST (Dodd Frank), CCAR and other regulatory reporting process.
• Interacted with different businesses in RBC to identify the source of the data to satisfy the requirements of PPNR schedules for FRY14Q and FRY14A.
• Created suite of Excel models used monthly for analysis and verification of Basel II results in Production environment.
• Utilized knowledge of Equity Capital Markets and developed an understanding of clients' needs to identify business opportunities.
• Determined alternative approaches to Basel regulatory capital calculations allowing significant capital savings.
• Conducted requirement gathering sessions to understand source data for consumer, commercial and small business credit cards and how they map to the CCAR credit card monthly (M) schedule.
• Performed source to target data mapping from multiple sources (APPRO - Loan Origination system, FDR and TSYS - loan servicing system) to CCAR credit card schedule. Included CCAR mapping documents, metadata, reference tables etc.
• Reviewed the requirements with development, test teams. Closely worked with lines of business and SME's to obtain requirement sign-off.
• Gathered requirements for Tactical data acquisition (TDA) for schedule data elements which cannot be automated. Authored and executed SQL scripts to obtain the TDA (tactical data acquisition) data elements and handed off to Operations team for upload to CCAR credit card schedule.
• Liaised with cross-functional teams (business groups, IT and PMO organizations) to drive data remediation efforts and supported the business and SME's during UAT phase.

Business Data Analyst- CCAR

Confidential, Newark NJ

Responsibilities:

• Collaborated closely with Investment Risk, Asset Management, Actuarial, Treasurers and Finance departments to propose most comprehensive Asset-liability Risk Models (ALM) of investment strategies analysis.
• Analysed and design of CCAR (FR Y-14A schedules of Income statement and balance sheet), FR Y9C (few schedules), report requirements in AXIOM.
• Gathered CCAR PPNR and supplementary metrics (FRY-14) forecast from different business units.
• Supported CCAR and BASEL data acquisition teams to validate and reconcile data coming from various systems.
• Participated in data modelling, data analysis and requirement documentation. Involved in Financial Service industry related t - Credit Risk, Market Risk, Liquidity Risk, Basel II/III, CCAR, stress testing (Dodd-Frank Act Stress Test).
• Developed business and functional requirements and obtain timely sign-off by all respective parties. Developed good practices for risk modelling procedures related to CCAR/DFAST (Dodd-Frank Act Stress Test).
• As part of CCAR, worked on Stress Testing solution (Dodd-Frank Act Stress Test) to check the health of the portfolio of investments for the client to ascertain Capital adequacy.
• Conducted Brainstorming and JAD Session to gather Business Requirement s with Regulatory and Compliance subject matter experts to have a good knowledge of CCAR reporting.
• Designed the various Use Cases as well as corresponding use case description documents and implemented agile methodology for running the whole product life cycle in project.
• Assisted in 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.
• Responsible for business analysis of customizing the BPS Risk Management product with involvement through the whole SDLC
• 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 Workflow diagrams, considering the scope of the project with MS VISIO.
• 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.
• Coordinated closely with traders, middle office, data and technical operations support, various application development teams to report and communicate the execution status back to the business and senior management.
• Systematically gained knowledge on the business process being followed in the project environment.
• Optimized business requirements from as-is state documentation, SOPs, interviews with key stakeholders. Current clean in process has resulted in new enhancements to improve productivity and reduce future instruments with invalid reference data.
• Involved in Data Analysis & Mapping to track all data elements used in the application from the user interface through different interfaces to the target databases in which they are stored.
• Defined Test Cases, Test Scripts, analyzed bugs in concert with QA/Development teams to fix errors and verify User Acceptance Testing (UAT).

Business Analyst

Confidential, Cleveland, OH

Responsibilities:

• Involved in assisting the Project Manager in planning, scheduling, and controlling projects based on schedules and requirements outlined by the business.
• Implicated in mapping the fields amidst the current reporting system and Salesforce using data loader.
• Actively used Scrum Agile Methodology with daily status meetings, weekly iterations, iteration planning meetings, test driven development, continuous integration, constant communication with end users.
• Created Automated schedule reports using event studio, based on the Basel run cycle, it will run and send emails to the different user groups.
• Adapted Scrum implementation as needed to work within a gated waterfall funding and release model, all while allowing the team to practice true Scrum as much as possible.
• Asked detailed questions and noted the requirements to understand business rules, business process, business flow, stakeholders, and follow the SDLC standard of the business in project meeting.
• Daily involvement with the agile software development life cycle, documenting and working through systems issues as part of a business analysis team.
• Involved in creating business requirements document (BRD) and Functional Requirements Document (FRD) and translating them to technical specifications.
• Involved in data mapping and migration of data from legacy systems to Salesforce.com Objects and fields.
• Conducted walk through sessions for Business Requirement Document (BRD), Functional Requirements Document (FRD) and Use Cases to discuss certain issues with stakeholders, Architecture, Design & Development teams.
• Applied UML to design Use Case Diagrams, Activity Diagrams, Sequence Diagrams in Microsoft Visio.
• Traced requirement traceability matrices (RTMs) and managed all components of the business requirements.
• Interacted with various business user groups for gathering the requirements for implementation and documented the Business and Software Requirements.
• Conducted weekly and monthly meetings to review the business processes, and update the team on project progress.
• Generated various Reports (summary reports, matrix reports, pie charts, dashboards and graphics) and Report Folders to assist managers to better utilize Salesforce as a sales tool.
• Created and reviewed Detailed Design Specification (DDS) and Functional System Design (FSD) documents based on the information provided by the development team.
• Used various SQL commands like create, delete, update, left joins, right joins and full joins to update the database and retrieve data for analysis.
• Worked closely with the development team to create an Entity Relation Model (ERM) and conducted tests and analysis using SQL queries.