PROFESSIONAL SUMMARY:

• Over 10 years of Business/Fraud/Risk Analyst experience with in - depth knowledge of business processes in banking, capital markets and financial industry. Enhancing in aligning interest towards Data Science, Governance, Risk and Compliance (GRC) Management.
• In-depth knowledge of AGILE & SDLC (Software Development Life Cycle). Proficient at all levels and stages of the software development cycle, from conception to production and maintenance
• Skilled in gathering User Requirements, translating them into data, functional, quality, and usability requirements.
• Experienced in requirements management, controlling change and preparing RTM (Requirement Traceability Matrix).
• Strong experience in preparing Business Requirements Document (BRD), Use Case Specifications, Functional Specifications.
• Well acquainted with Workflows and (UML) (Unified Modeling Language) diagrams such as, Use case diagrams, activity diagrams and Sequence diagrams.
• Actively used Joint Requirement Planning (JRP), Joint Application Development (JAD) and Rapid Application Development (RAD) sessions for requirements gathering and brainstorming ideas.
• Researched on Best Industry Practices and explained the Business Users of the benefits and costs associated in implementing the same.
• Experience in end-to-end testing, UAT (User Acceptance Test) and user training for customers.
• SME in AML, FCPA, FATCA, SANCTION COMPLIANCE, COSO/SOX compliance standards.
• Excellent communication and interpersonal skills, capable of communicating with highly technical engineering teams. Exceptional mediator between external and internal customers, capable of interpreting their needs and positions to ensure the coherence and success of the projects. Quality interviewing skills.
• Seasonal trainer to the Association of Certified Fraud Examiner.

TECHNICAL SKILLS:

Tools: Business Process Modeling, Fraud Risk Assessments/Management, AML Cycle, UML (Unified Modeling language), Governance Risk Compliance (GRC), Sanctions Compliance, Full Product Development Lifecycle, Internal Controls for Fraud Prevention, FATCA, Regulatory Compliance, FCPA, COSO/SOX, BASEL/DOOD FRANK/FFIEC/OCC, Data Privacy, Market/Credit/Operational Risks, Data Mining/Warehousing, Data Mapping/ ETL, QA Testing/UAT (User Acceptance Testing)Requirement Tools: Rational Requisite Pro/BLUEPRINT/JIRA

Modeling Tools: MS VISIO/TABLEAU/GRETL

Databases: Oracle/ PeopleSoft/ SAP Cost Center/Oracle Payables/Business Activity Warehouse/

Technologies: Client Server, Multitier/COGNOS

Languages: SQL MS Office Suite(Word, Excel, Powerpoint)

PROFESSIONAL EXPERIENCE:

Confidential

Sr. Business Systems/ Risk Analyst

ENVIRONMENT: Agile/SDLC/Waterfall

• The purpose of the project deals with Basel Committee on Banking Supervision’s “Principles of effective risk data aggregation and risk reporting” with intent to strengthen internal risk reporting and data aggregation. Primary focus is the Basel 239 - BCBS Regulatory Program Implementation as BA Lead with work spanning across data management, data quality and certification, re-engineering and process improvement and governance.
• Involved in OCC KYC AML Data gap remediation and AML optimization initiative on Consent Order (Jan 2013) that JPMC is addressing. The project addresses solution to provide greater integration of CPS with the Bank central KYC modules for collecting KYC Data, Related-party information consistently across CCB, and providing real-time screening and AML risk rating prior to merchant boarding. This project will be integrated into FATCA enhancement compliance in later stages of 2016.
• As a Product Owner responsible for identifying, analyzing, defining and documenting detailed requirements in form of Business Requirement Document and transforming to FRD.
• Act as a lead in accessing DATA for building reports, decomposing KRIs/BRD/FRD, Date Sources for Ad HOC Reports and Analytics for new DATA needed for Reporting.
• Own and Prioritize DATA/REPORTING Backlogs and manage 4 teams for the BCBS project.
• Involved in the Data Migration & Management work stream, Reporting & Aggregation Work stream, Analytics & Modeling Work stream. Participate in accessing Chase Commerce Solution to identify data from various sources for producing reporting as Data is not centralized.
• Manage reviews/demos/testing/implementations and signoff from business users and ensure that the report users have access to both the new reporting platform and the existing legacy platforms(s) (PeopleSoft, SAP and Platform balancing) in parallel to allow for testing and transition to the new reporting platform.
• Participate in analyzing in Current State System Architecture for Reporting and System Architect Solution for the future state ICDW(Integrated Consumer Data Warehouse) in identifying New Data Stores for FDMS Data, Risk Parameters and Risk Inputs
• Participate in New ETL Process to extract data from various systems of records (SORs) and transform to the Risk Data staging Data Store.

Confidential

Sr. Business Risk Analyst

• The purpose of the projects was to understand the overall risk associated with the Market Data Supplier footprint, as well as, how to manage the risk for the Market Data population and to ensure the entire Market Data Technology(MDT) supplier population resides in CASP with the appropriate BSRMs, as well as, determine how these relationships should be managed against CSSMP and the forthcoming shared utility due to current lack of ownership of Market Data Suppliers, preventing ICG SRM from ensuring appropriate risk management and monitoring are occurring for these suppliers. Assisted in key Business Requirements for the CASP+ utility.
• Responsible for analyzing supplier risk across all ICG (Institutional Client Group) businesses globally, providing risk-based reporting to internal stakeholders and senior management, and supporting internal audits and regulatory exams of supplier risk management.
• Responsible and supported as a lead BA the ongoing Market Data Project for Real time and Non Real time ICG vendors. Line of businesses included: Citi Markets, ICG Operations and O& Confidential Controls and Reporting, Citi Corp. & Investment Banking, Citi Research, Citi Private Bank, CMO, ICG Technology, Treasury and Trade Solutions and Citi Capital Advisors.
• Performed End-to End life cycle risk assessments for most critical vendor.
• Conducted interviews across lines of business, technology owners, risk, and procurement team members. Reviewed technology outages related to market data dependencies, researched news events related to market data, and review of Market Data supplier portfolio in identifying lack of accountability that led to uncalculated risk levels.
• Responsible for analyzing key supplier relationships and exposures within ICG in order to create risk-based reporting for internal stakeholders and senior management. Core responsibilities also include follow-up with lines of business to ensure compliance to existing policy requirements. Reporting based on a wide range of supplier due diligence, including exit strategies, continuity of business assessments(COB), Sanctions compliance, AML & AB&C assessment, information security assessments, financial risk evaluations, operational loss information, spend analysis, and stakeholder interviews.
• Assisting in planning, management, oversight, and liaising with GCB and ICG Businesses, regional / product AML/ABC/OFAC (AML) Compliance testing.
• Supported new initiatives driven by heightened regulatory guidance or internal policies, such as pre-deal planning and risk assessments for potential supplier relationships. Track all upcoming supplier risk management audits and regulatory exams, create project plans in preparation for those reviews, liaise with business stakeholders to facilitate task completion, and coordinate audit and exam deliverables.

Confidential

Business/ Risk Analyst

• Conducted detailed and comprehensive business/fraud risk/feasibility analysis by working with the client IT staff, supervisors, end-users, and Board of Directors in order to identify requirements and improvement. Captured business needs of financial products to optimize credit risk systems and reporting.
• Assessed existing internal and external risks/processes in identifying GAPS and incorporated effective guidelines in policies and procedures. Facilitated the ongoing development of the CU’s risk appetite statement framework utilizing COSO-based principles and benchmarking practices.
• Defined and documented custom reports based on the business requirements, modified existing reports based on the GAP analysis between new requirements and existing reports.
• Facilitated JRP Sessions and One on One session with SME, stakeholders to obtain their perspectives, resolve any issues and come to an agreement quickly.
• Worked with Stakeholder in gathering, creating and analyzing Business Requirement Document (BRD) and translating Functional Requirement Document (FRD).
• Performed risk assessment as per FFIEC guidelines and provided GRC framework in managing business fraud risks.
• Guidance on Tier I and Tier II FFIEC examination procedures on Suppliers/Third Party Risks.
• Provided oversight over the development of an operational risk model and framework based on the BASEL III pillars (Enhanced Minimum Capital & Liquidity Requirements, Enhanced Supervisory Process, and Enhanced Disclosure-Discipline of Market).
• Guidance on Data warehousing, Data Mapping, identified and mapped source to target fields, defined transformation rules based on the requirements to generate custom reports.
• Guidance on establishing risk assessment based functions (such as enterprise risk management, Sarbanes-Oxley (SOX) 404 compliance program and suggested appropriate realignments to enhance the SOX program’s effectiveness by rationalizing controls, conducing fraud risk assessments, and benchmarking leading scoping analysis methodologies, business continuity planning, external or internal audit, etc.
• Assisted IT team in performing BSA/AML Compliance Program and handling BSA examinations by following risk based approach in compliance program assessments, due diligence, KYC assessments, RCSA and training.
• Prepared Business Process models, defined present state flows that cover “AS-IS” then defined the future state that covers “TO-BE” diagram based on the requirements. Defined GAPs between AS-IS and To-BE models.
• Worked on requirement scoping and requirements definition, writing specifications, analyzing high priority requirements for implementation. Worked closely with IT technical staff to ensure requirements were fully understood and prioritized.
• Designed basic and complex SQL queries for troubleshooting, data validation, QA testing and reporting.

Confidential

Business/ Risk Analyst

• Provided subject matter expertise in BSA/AML/OFAC regulations in resolving cease and desist(C & D) order that the bank was operating under from OCC.
• Provided regulatory awareness and expected compliance related to risk-related policies in mitigating C&D order.
• Provided risk assessments that cited inadequate independent audit function that failed to identify systematic deficiencies in Control, Tracking & Documentation, and Data integrity issues, due in part to weaknesses in the scope of the validation and optimization process applied to the automated Transaction Monitoring Systems (TMS).
• Targeted questionnaires and interviews for SME’s, stakeholders on Data integrity feeding the TMS, full utilization of the systems functionality, statistically valid processes to validate and optimize TMS setting thresholds, measure the effectiveness of the automated system, EDD for customers with high volume of alerts for higher risk clients and products and services to gather requirements.
• Developed data flow diagrams, illustrating the flow of data from the Legacy systems into the Application database Tables, along with checkpoints for testing/verification.
• Prepared use case documents and utilized MS Visio to create UML diagrams including use case, activity and class diagrams to extract business process flows and workflows, thereby assisting development and quality assurance teams in understanding the requirements.
• Provided PPT guidance for high level executive team and Board of members on efficient, effective and responsive remediation with the following on C&D order:
• Failure to remediate could result in criminal charges, corporately and individually.
• Remediation efforts to be taken into account with respect to Federal Sentencing Guide lines and could reduce the extent of criminal charges
• Consulting on Deferred Prosecution Agreement (DPA) and Non-Prosecution Agreement (NPA) with respect to criminal charges
• A long term strategy and remediation plan that significantly reduce implementation costs and future operating costs
• Advice on adopting holistic enterprise risk based approach in on efficient, effective and responsive remediation to assist in managing BSA/AML risks.

Confidential

Professional consulting

• AML/Fraud Investigations
• Fraud Prevention & Detections
• Developed approaches to reduce a massive fraud problem related to mortgage based securities in identifying GAPS and providing SME in fraud compliance.
• Advised on best Internal Control practices in managing Securitization process to improve transparency for better decision making and for regulatory oversight.
• Operational Risk Assessment
• Performed a detailed review of lending operations at a regional bank. Accessed counterparty risk for multimillion-dollar mortgage based credit lines and SVP portfolios backed by FDIC.
• Mitigated risk to counter claims for improper documentation and legal liabilities by suggesting modifications and discounting loan portfolios to HNI.
• Access the effectiveness of existing anti-fraud programs and controls. Assess risk and susceptibility to fraud, design and implement anti-fraud programs, controls and processes.
• AML Review
• Reviewed the AML systems, procedures, and policies of a major regional bank. Compared findings in each area against regulatory requirements, typical industry status, and “best practices”. Provided recommendations for improvements.
• Fraud and AML Business Systems Requirements - Assisted a regional bank in developing compliance & sanctions programs and AML systems needs and specifications.

Confidential

Anti-Money Laundering Compliance Officer

• Developed, implemented and maintained an anti-money laundering compliance program
• Registered “MSB” with the Financial Crimes Enforcement Network (FinCEN) and Department of Treasury.
• Obtained records and maintained records relating to certain financial transactions
• Reporting Currency transactions (CTRs) and Suspicious Activity Reports (SARs) with FinCEN.
• Prepared analysis of “loss of profits” for dispute resolution and provided detailed calculations/support documentation to assist in settlement of deep water horizon claim.
• Experienced and complied to Anti Money Laundering AUDITS from Department of the Treasury and complied under C.F.R 31
• Audit involved Independent Reviews, risk assessment, Remediation, and Training.