PROFESSIONAL SUMMARY:

• Over 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. 
• Extensive experience in Financial Service industry related to - Credit Risk, Market Risk, Market Risk, Credit Risk, Liquidity Risk, Basel II/III, CCAR and knowledge of standard SDLC methodologies, including RUP, MSF, Prototype and Spiral. 
• Experience in MANTAS scenario development/customization, installation and upgrades to various versions, and knowledge on user management via EAM - LDAP 
• Experience in Stress Testing, Basel I, Basel II, Basel III.
• Expertise in interaction with the business users to gather requirements based on the CCAR Regulation for Financial Statements, Interest Rate, Credit Ratings, FRY9C and Investment Securities. 
• Excellent organizational skills with expert ability to interpret, research, evaluate, and apply forecasting techniques to maximize cost control. 
• Experience in adhoc reports generation and scorecards using SAS, MS SQL and Excel. 
• Experience in IFRS, GAAP, FRY-9C, FFIEC 002, FRY-14Q, FRY 14A, FRY14Y, FFIEC, RWA, Risk Analysis. 
• Familiar with SOX Compliances and Basel II standards. Worked on data analysis of Mantas - Anti-Money Laundering (AML) Compliance data and supported user requirements. 
• Substantial amount of experience in regulatory compliance executed through a wide range of analysis, departmental audits and AML/fraud investigations. Trained extensively in the limiting and prevention of employer/client exposure to monetary, regulatory and reputational risks.
• Possess extensive knowledge in the areas of transaction monitoring, gap analysis, compliance testing, CTR requirements, KYC, BSA, along with an expert understanding of banking infrastructure, utilizing software such as Actimize, World check and Palantir.
• The ability to assess the impact of new requirements on an existing platform. Also, skilled in gathering, analysing and documenting business requirements via Business Requirement Documents and Functional Requirement Specifications.
• Maintain ongoing knowledge of bank initiatives and procedural updates, AML, OFAC, SAR reporting and BSA regulatory standards. 
• Conduct oversight and ongoing training to the Compliance testers on the expectancies with testing assessments for each operation process as mentioned above.
• Structure and execute effective audits considering BSA/AML risk within span of controls as well as enterprise-wide.
• Subject Matter Expert on MANTAS Surveillance Platform, and extensive experience in implementing and supporting Mantas applications for AML & Trade Surveillance 
• Experience on CCAR, Basel II, Basel III, Dodd-Frank Regulatory Reporting FR Y-14A/Q Monthly, Quarterly, Annual, FRY9-C, DFA 165, DFA 165E, BCBS 239, SDA, ICMA, SOX, APRA, APS-221/3PS-221, SOX and others required for banks for compliance reporting to various regulatory agencies.
• 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.
• 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) 
• Experienced in data modelling including data validation/scrubbing and operational assumptions. 
• Good understanding of Relational Database Design, Data Warehouse/OLAP concepts and methodologies 
• Experience in implementing Data warehousing solutions involving Dimension modelling and Snow flake schema implementation (3 NF). 
• Experience of SQL Query Performance Tuning using SQL Sentry Performance Monitoring Tool, Analysing the Query Execution Plans, Used SQL Profiler for optimizing the store procedure. 
• Extensive experience in application design and development using JAVA and other web-technologies including Core Java, J2SE 5.0, J2EE, EJB, JSP, JSF, Servlets, Struts, XML, MAVEN, JDBC.
• Working experience in client side Technologies such as HTML5, DHTML, CSS, Ajax, and JavaScript.
• Wide experience of performing tasks associated with Software/System Development Life Cycle- creating and developing project plans, feasibility and scope management, communication and bridging gaps between users, technical team, and QA team. 
• Vast experience in performing SDLC tasks - Requirement gathering, Analysis and Feasibility, Creating Business Requirement Document (BRD), Transforming BRD to Functional Specification Documents (FSD), High Level and Low Level Design documents etc. 
• Experience in diverse the phases of Software Development Life Cycle (SDLC) and methodologies such as Spiral, Agile-Scrum, Waterfall, Waterfall-Scrum, Hybrid and Rational Unified Process (RUP). 
• Requirements Elicitation Techniques Conducting Interviews and Workshop, Joint Application Development (JAD) Sessions and brainstorming sessions.
• Business Process Research Analysis Gap Analysis, Impact Analysis, and Feasibility Analysis. 
• An excellent team player & technically strong person who has capability to work with business users, project managers, team leads, architects and peers, thus maintaining healthy environment in the project.

TECHNICAL SKILLS:

Methodology/Techniques: SDLC, Documentation, Meetings, JAD Sessions, Reporting, Agile, Scrum, Waterfall , six sigma, rational unified process, Java

Process/Model Tools: MS Visio, Rational Rose, Balsamiq, SharePoint, MS Excel, UML, SDLC, SQL, XML, Visual Basics.

Project Management: MS Office, MS Visio .

Requirement Management: JIRA, Rally

Operating Systems : UNIX, Solaris, Windows NT 

Databases: Oracle 10g, MS Access & MS SQL Server 2000, Oracle MANTAS

Testing: HP ALM/ Quality Centre, QTP, Rational Clear Quest, Stress Testing, UAT 

Version Control: Clear Case, IBM DOORS

Financial Reporting/Regulatory Compliance Regulations: 10-K/10-Q, FR Y-9C&Y-11, SEC, FINRA, AML/KYC, CDD, OFAC, PCI (Payment Card Industry), Dodd-Frank (IHC/CCAR), BCBS 239, SDA, ICMA, SOX, APRA, APS-221/3PS-221.

PROFESSIONAL EXPERIENCE:

CCAR Consultant/ Sr. Business Analyst

Confidential, Manhattan, NY

Responsibilities:  

• Cooperated with CCAR team on delivering of the Basel capital regulatory results to serve the CCAR various reporting forms.
• Managed team on various senior management queries consisting of risk validations and Basel 3 rule changes. 
• Worked on CCAR 14Q report for new FRB requirement like Disposition Loans, Disposed Scheduled Shift & Syndication Loan. 
• Created efficiencies which allowed expanding the role to include Compliance and Internal Audit initiatives. 
• Interacted with country user, operation, risk management, product control, finance and other stakeholders to capture business requirements and involved in creating enterprise level flows and timelines. 
• Maintained audit controls for SOX compliance and GAAP accounting and business practices.
• Worked in partnership with the KYC technical team to translate implementation options into detailed Functional Requirement Specifications and Technical Requirement Specifications.
• Conduct oversight and ongoing training to the Compliance testers on the expectancies with testing assessments for each operation process.
• Maintain OFAC Compliance Subject Matter Expertise and responsible for managing sanctions risk, and advise businesses on OFAC matters. 
• Responsible for filing the weekly blocks/rejects report to OFAC, adhoc reports and processing the future payment interdiction requests received from OFAC. 
• Reviewed and analysed Suspicious Activity Reports (SAR) narratives completed by AML investigators.
• Performed AML functions on an on-going basis, including detection / reporting of suspicious transactions and activities; conduct reviews for the enhancement of the AML functions, and perform AML risk assessment when required.
• Writing JavaScript functions for various validation purposes.
• Writing JavaBeans to contain data objects. Implemented session beans, entity beans and message driven beans. 
• Worked on the jQuery, JavaScript Library that simplifies HTML document traversing, and event handling. 
• AML MANTAS Version upgrades from Version 5.5 to 5.8 on solution sets of AML/TC and Involved in setting up new MANTAS 5.8 environment 
• Spearheaded End-User Computing (EUC) testing on new MANTAS detections scenarios, resulting in the identification and revision of errors impacting the rollout of these scenarios. 
• Wrote BSA/AML/CIP/OFAC policy and procedures 
• Conducted monthly review of BSA/AML, CIP and OFAC process
• Completed Workpapers as assigned on domestic and international SOX audits in both financial and operational business units, including creating remediation plans and performing retest of exceptions. 
• Used various principles as BCBS 239, APRA, APS-221/3PS-221 for regulatory requirement.
• Assisted in creation of presentation decks for distribution to the audit committee which detailed quarterly progress in relation to the annual audit plan and communicated with the company's external auditors on manual control related matters and SOX test procedures.
• Involved in creation of new jurisdiction (US/UK/DE) using Mantas Development kit, configured threshold/dataset/scoring algorithm 
• Partner with IT to develop remediation strategies for audit findings and to manage the remediation process to completion for PCI, SOX, and access review processes. 
• Lead on the data sourcing effort for Retail Schedules pertaining to CCAR and the FR Y 14Q reporting to FED. 
• Assisted the execution of CCAR stress testing framework including gathering requirements of multiple stress scenarios and defining data elements required by stress tests. 
• Supported CCAR and BASEL data acquisition teams to validate and reconcile data coming from various systems. 
• Involved in BCBS239 implementation for BNPP regulatory reports such as FRY-9C and CCAR.
• Weekly reporting on liquidity forecasting to APRA
• Wrote the process narrative and process flow documents for the Cognos reports, contributing to BCBS239 regulatory requirements.
• Identify, review and quantify risks that may impact company's financial reporting, capital calculations, compliance with federal regulations (Basel, BCBS239).
• Assisted in the calibration and validation of Mantas AML scenarios and behaviour detection logic.
• 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.). 
• 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). 
• Assisted on CCAR model validation enhancement, including PPNR models, Y14Q and Y14A models. 
• Extensive knowledge of financial statements, accounting principles, derivatives, capital market, portfolio analysis, amortization, cash, deposits, risk management, credit risk, market risk. 
• Involved with regulatory submission and internal audit requirements which were properly gathered and identified from the Subject Matter Entities (SMEs) via meetings, phone interviews, workshops, surveys, site visits, and JAD sessions. 
• Worked extensively with onsite/offshore development teams during whole development cycle. 
• Meticulously addressed every detail to ensure a successful end-to-end business process.
• Develop and manage business, design and end user requirements for strategic Basel 3 Standardized CCAR stress testing. 
• Assigned overall responsibility to track the learning and practical experience for professionals serving SEC clients. 
• Supported applications, client interfaces, development teams, project and change management to realize value from Oracle/Kofax system changes and development.
• Requirements gathering, gap analysis, design, coding, testing and implementation of ETL Informatica maps for MANTAS and changes for MANTAS feeds
• Coordinated the learning programs in accordance with the Global Audit Curriculum, Global IFRS Curriculum and Global Audit US Standards Curriculum (SEC).
• Conducted multiple gap analysis against Basel II, II.5 and III rules. Validated Basel II framework, including internal rating systems (PD, LGD, EAD models) and RWA calculation .
• Responsible for translation of PPNR to interest income, non-interest-income, net-interest-expense and transfer pricing and developed an internal audit program resulting in an overall 60% decrease in error rates and an increase in claim processing up to 40%.  
• Responsible for different Data mapping activities from Source systems to Teradata. 
• Worked on data modelling using ERWIN tool to build logical and physical models. 

CCAR Consultant/ Sr. Business Analyst

Confidential, Cleveland, OH

Responsibilities: 

• Gathered Business Requirements, defined the scope of the project, analyse and prioritized requirements, developed customized business strategies, and identified high potential business opportunities. 
• Assisted in performing liquidity risk & credit risk analysis on outstanding loans under different pressured scenarios. 
• Implemented the Data Governance/ Data Quality program for various source systems that are used for Basel III Capital calculation.
• Used Java-J2EE patterns like Model View Controller (MVC), Business Delegate, Session façade, Service Locator, Data Transfer Objects, Data Access Objects, Singleton factory patterns.
• Wrote JavaScript client side validations for user account information based on their business rules.
• Co-chaired Data Governance committee to help define a data framework, policies, governance for all data attributes/metrics for the Risk and Capital profile tracing back to their golden source in adherence to BCBS239.
• Supported client's BCBS239 mandate by creating a process to map data elements from Risk reports back to originating systems of record. 
• Prepared the CCAR reporting schedules (FRY 14A/Q) on certain periodic basis. 
• Created and coordinated annual operating budgets for two facilities using zero based budget methodology for a combined operating budget. 
• Provide AML/BSA training to agent owner, agent compliance officer, and/or agent employees.
• Conducted research, analysis and provide qualitative/quantitative insights to lead and direct projects and initiatives to meet the Firm's AML/KYC Standards.
• Work with Relationship Managers to understand the client and to correctly assess the client's AML Risk Rating.
• Effectively collaborated with senior compliance officers, AML colleagues, relationship managers, and other departments to ensure all facets of remediation project were completed on a timely basis.
• Performed data analytics with emphasis on credit scoring, credit risk, behavioural models, loan loss and general purpose risk/profitability models by brainstorming.
• Provide advice to lines of business on OFAC sanctions regulations and internal policy, including disposition of escalation of OFAC matches globally and across multiple product lines. 
• Conduct investigations and analysis in support of OFAC subpoenas and related inquiries. 
• Familiar with Mantas system, Lexis Nexis, using media screening, customer screening, Eclipse, ECADD, SAR Database, Customer Compliance System, and proprietary systems to perform searches. 
• Work with region and country AML Compliance employee to support start-up of compliance-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. 
• Designed and implemented basic SQL queries for data warehouse, and data profiling. 
• 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. 
• Experienced with the procedures of Banking & Regulatory Compliances - Anti-Money Laundering (AML), Customer Identification Program (KYC/CIP), CCAR Regulatory Reporting, Dodd-Frank Act, BCBS 239, APRA, APS-221/3PS-221. 
• Created burn down chart of the whole project and each sprint while conducting daily scrum meetings with developers. 
• Ensure data integrity and accuracy with other regulatory submissions (FRY 9C, FRY 14A, FRY 14M, GL system, etc.). 
• Wrote functional / business requirements for Storm Work-list - Exception based blotter that tracks primary and secondary loan market trades allowing closers to easily keep track of trades that need attention in order to move efficiently through to settlement. 
• Develop and run complex financial models to produce projections, simulate scenarios, and obtain comparative financial data. 
• Worked on Struts framework in the front end and JAVA/J2EE for the business core and Oracle in the backend. 
• 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. 
• Used Rally to keep track of user stories, Participated in User Story Grooming. 
• Implemented layouts for Suspicious Activity and Pattern analysis under AML regulations. 

Business Analyst

Confidential, 200 West St, New York

Responsibilities: 

• Identified, understood and documented business needs for new market risk and credit risk module or re-usability of an existing module by performing a GAP analysis.
• Performed data analytics with emphasis on credit scoring, credit risk, behavioural models, loan loss and general purpose risk/profitability models by brainstorming.
• Evaluate requirements of standardized approach for Credit Risk.
• Integrate multiple reference data masters for securities to eliminate manual entry and operational risk.
• Generated Business Requirements Documents (BRD) by using MS Visio.
• Attended to Sprint Planning Sessions and released backlog 
• Translated business requirement into Technical requirements and system specifications
• Provided specifications for Data Models, Logical and Physical Database design
• Performed data analysis using SQL server in addition to implementing ETL with the direct correlation to the data warehouse and data marts.
• Collaborated in the implementation of a risk management framework to ensure the functions follow the regulatory requirements.
• Documented Test Plan, Test cases and performed functional and stress testing.
• Reported all the defects in Quality Centre while conducting UAT and stress tests. 
• Facilitated UAT and recorded the user feedback for future changes.
• Monitored Databases for lock escalation, dead Lock, resource utilization by sessions, package caching, buffer pool hit- ratios, captured long running SQL/runaway queries using SQL Server. 
• Identified and documented Functional/Non-Functional and other related business decisions for implementing Actimize-SAM to comply with AML Regulations.
• Utilizing knowledge of BSA/AML laws and regulations, reviewed suspicious transactions and escalated to SAR filing.
• Provided feedback to AML analysts with respect to the quality of case escalations, trends and issues, or best practices in order to assist in the development of the alert analysis process.
• Conducted JAD sessions, met with client and end users in order to accelerate the design of IT solutions and also depict the user's view of the business needs and to jointly develop a solution.
• Competent in creating Unified Modelling Language (UML) diagrams for Business Process Modelling like Use Case Diagrams (UCD), Activity Diagrams (AD), Data Flow Diagrams (DFD), and Flow Charts (FC).
• Provided detailed documentation of the due diligence performed. Other duties as assigned to assist with effective administration of the AML/KYC Policies.
• Experience of working on Business, and Functional requirements. 

Business Analyst

Confidential, Vienna, VA

Responsibilities: 

• Gained experience through whole SDLC from requirement analysis till deployment, using highly efficient RUP process of software development.
• Gathered requirements and prepared business requirement documents (BRD), translating BRD into functional specifications and test plans 
• Used Rational Tools to create and maintain the various artefacts such as visual modelling using UML through Rational Rose.
• Closely coordinated with both business users and developers for arriving at a mutually acceptable solution. 
• Part of team to elicit, organize, and document required functionality and constraints.
• Responsible to track, document, capture, manage and communicate the requirements using Rational Requisite Pro which helped in controlling numerous artefacts produced by the teams who are working on same project. 
• Implemented RUP iterative approach, which allowed increasing understanding of the problem through successive refinements, helped us to incrementally grow an effective solution over multiple iterations. 
• Experienced RUP's development cycle with four consecutive phases - Inception, Elaboration, Construction, and Transition. 
• Extensively designed use case diagrams, object diagram, class diagram, state diagram, activity diagram, sequence diagram, component diagram and deployment diagram. 
• Maintained Requirement Traceability Matrix (RTM). 
• Reviewed quality with respect to the requirements based on reliability, functionality & performance with the help of QA testing team.
• Suggested various improvements in the data flow process from transaction systems to back-office accounting systems in Oracle and Access for reporting purposes.
• Facilitated Join Application Development (JAD) sessions with the IT groups to ensure timely project deliverables. 
• After successful development and testing of the product, participated in UAT, product release and deployment to end-user.