SUMMARY:

• Over 7+ years of progressive experience in regulatory Finance and Data Governance within top tier financial firms, also involved in Regulatory Reporting and overall diversified experience in the IT and Banking & Finance.
• Experience on CCAR, Basel II, Basel III, Dodd - Frank Regulatory Reporting FR Y-14A/Q Monthly, Quarterly, Annual, FR Y9-C, DFA 165, DFA 165E and others required for banks for compliance reporting to various regulatory agencies.
• Prepared FRDs that help drive the design of the infrastructure necessary for the organization to meet new CCAR reporting requirements.
• Member of strategic team responsible for implementing Federal Reserve Board's Comprehensive Capital Analysis and Review (CCAR) supervisory stress testing program.
• Supported DFAST regulatory team as a key data provider with LOB revenue and expense inputs used for stress test modelling.
• Knowledge of asset liability management, PPNR and financial risk concepts.
• Excellent Knowledge in the procedures of Banking & Regulatory Compliances - Anti-Money Laundering (AML).
• 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)
• Elicited requirements by conducting JAD sessions with key stakeholders from the Capital Markets IT Group, Business Area and Application Development team for the portfolio, forecast and reporting module of the portfolio management system.
• Present project included working within the Counterparty Credit Risk team as a Business Analyst focusing on CCAR and GMS (Global Market Shocks).
• Expertise in drafting technical documentation such as BRD, FRD, System Design Specification, Requirement Traceability Matrix, Test Cases.
• Liaising with Internal Audit and Compliance to ensure timely and accurate remediation in response to observations and recommendations.
• Gather CCAR, PPNR and supplementary metrics (FR Y-14, FR Y-9C) forecast from different business units.
• Update and manage 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.
• In-depth knowledge of a wide variety of financial instruments including Retail and Commercial Loans, Line of Credits, Mortgage, Equities, Fixed Income, Derivatives, Mutual Funds.
• Coordinated the renewal of Legal, Internal Audit and Treasury Licensing, Support, and Maintenance.
• Measured transformations, calculations and business processes used in the calculation of Basel II risk parameters as well as the generation and review of the FFIEC 101 Schedules while focusing on testing of derivatives portfolios.
• Wrote SOX compliance internal controls for Revenue Audit Department and coordinated all other departments implementation.
• Extensive experience with Capital Market, Portfolio Management, Credit Risk, Credit Rates, Market Risk, Operational Risk, ACH.
• Strong knowledge with Basel III, CCAR, KYC rules and regulations. Expertise in Serving as Data Validation and serving as SOX application migration.
• Expertise in working with the internal audit department to ensure operational, financial and system controls are in place according to the compliance compact.
• Expert knowledge of Asset management, Risk management, Retail banking and Investment banking.
• Expertise in CCAR market shock exercise prepared application mapping for FR Y 14Q report.
• Experienced in enhancement of next generation capabilities including CCAR and DFAST to a leading practice standard.
• Extensive understanding of Software Development Life Cycle (SDLC) including Waterfall, Agile Scrum and Rational Unified Process (RUP).
• Expertise in Providing communication briefings to finance leadership and financial analysts regarding the implementation progress of the transition to an enterprise common system.
• Established and maintained effective working relationships with auditees and senior business leaders to ensure optimum sharing of information between the business and Internal Audit.
• Involved in Map-Gap data remediation analysis for 14Q schedules.

TECHNICAL SKILLS:

Programming Languages: C, C++, C#, VC++, VB, VB.NET, C#.NET, ASP.NET, Java, SQL, PLSQL

Operating Systems:: UNIX, Windows, Linux.

Databases: MS-Access, MySQL, SQL Server, Oracle, Teradata, SDLC, DB2, Sybase

Application Servers: IBM WebSphere, ATG Dynamo, BEA WebLogic.

Internet: HTML, XML, VBScript, ASP, JavaScript, JSP, J2EE.

Automation Tools: MS Visio, Rational Rose, Rational Clear Case, Rational Requisite Pro, Documentum, Caliber RM, DOORS

Bug Tracking Tools: Mercury Test Director, Rational Clear Quest

Content Management Tools: Documentum, SharePoint, Interwoven, FileNet

Utility Tools: MS Office Suite, MS Project, Snag it, TOAD, Adobe Photoshop

Reporting Tools: Crystal Reports, SQL Server Reports (SSRS)

Data warehousing Tools: Informatica, Business Objects, Cognos, Erwin

Testing Tools: Quick TestPro (QTP), Test Director, Win Runner, LoadRunner, Niku Project Workbench

WORK EXPERIENCE:

CCAR 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.
• Reviewed and updated DFAST process enhancements for presentation to examiners.
• Conduct independent and comprehensive tests of Pre-provision Net Revenue (PPNR) models for CCAR.
• Lead on the data sourcing effort for Retail Schedules pertaining to CCAR and the FR Y 14Q reporting to FED.
• Supported a database of telecommunications rates through a research and data entry process and internal audit.
• Gathered requirements through users interviews, teleconferences, document analyses, use case analyses and UML diagrams for user stories creation and obtain timely sign-off by all respective parties
• 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.
• Worked and conducted meetings with SOX and Internal Audit teams to implement SOX controls.
• Assisted in the calibration and validation of Mantas AML scenarios and behavior 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.
• From CCAR Dashboards by mapping MDRM keys validated each of the line items in FR Y 14A Summary report (Standardized and Advanced).
• Designed the Business Requirement Documents and acted as a liaison between the AML Compliance end users and the Share Point Developers in developing and maintaining automated systems.
• Conducted meetings to ensure proposed changes as well as the project team produced solutions that meet established standards, procedures, risks and mitigation plans.
• 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.
• Collaborated with upstream/downstream data consumers, SMEs, QAs, Release managers and PMs to monitor test plans, test cases, UAT, post-implementation checks and future enhancements.
• 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.
• Experienced with the procedures of Banking & Regulatory Compliances - Anti-Money Laundering (AML), Customer Identification Program (KYC/CIP), CCAR Regulatory Reporting, Dodd-Frank Act.
• 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%.
• 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.

Business Analyst

Confidential, Pittsburgh, PA

Responsibilities:

• Facilitated JAD sessions with Enterprise Data Warehousing teams to understand and document the Scope of the initiative.
• Documented Data Requirements in the form of Source to Target Mapping (STTM) documents for origination and servicing applications.
• Based on the Data Requirements, Enterprise Common Format (ECF) was updated for data transition for all events published by applications
• 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.
• 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 2015 & 2016.
• 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 Filteration Logics of the FFIEC 031, FFIEC 041, FR Y 14M/Q as per the required Schedules (Schedule A, A2, A7 A9)
• Expertise in creating and updating CCAR, BASEL, DODD FRANK presentations to various board management and regulatory bodies.
• Gather CCAR, PPNR and supplementary metrics (FR Y-14, FR Y-9C) forecast from different business units.
• Manage a team that works on technology projects to enhance the ability to report on and provide information for CCAR and PPNR models.
• Investigated, researched, analyzed and assessed AML risks in procedures, processes and proposedbusiness changes.
• Analyzed and documented AML business process and formulate related change requirements.
• Handled AML regulatory and internal audits examinations as required.
• Analysed the new regulatory requirements of Basel Accord of Pillar 1, 2 and 3 phases on Market Risk calculation, monitoring and reporting, and new implementation of Comprehensive Stress Testing.
• Created Blank Instances from Source Maintenance - Axiom Controller View for the FFIEC 031, FFIEC 041, FR Y 14M/Q Reports
• Performed Enrichment according to the appropriate Project, Branch and Workflows for the FFIEC 031, FFIEC 041, FR Y 14M/Q Reports.
• Ran the Report in Axiom Controller View Tool to view the Output of the FFIEC 031, FFIEC 041, FR Y 14M/Q forms.
• Gathered CCAR PPNR and supplementary metrics (FR Y-14) forecast from different business units.
• Reviewed and validated the Data Model created to make sure the relationship between all data attributes and events is accurately documented.
• Conducted requirements review sessions and got official sign off from Data Warehousing Product Managers, Subject Matter Experts, Development and Testing leads.
• Consolidated the list of all existing reports for origination and servicing applications being available to users from multiple platforms such as BOXI, Spotfire, SQL Queries, MicroStrategy.
• Assisted the Business in making a decision on using MicroStrategy tool as a single business intelligence platform for all new reports.
• Documented Scope, Business Requirements and Data Requirements Documents for the Reporting Redesign project as part of legacy Database Retirement.
• Identified List of all Reports, Owners, Distribution List, and Data Attributes associated with each reports.
• Analyzed all the Reports and SQL Queries to determine the current logic for the reports and documented the As-Is use of all reports.
• 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.
• Conducted sessions with all report owners and users to determine the list of reports to be retained, retired and consolidated together and documented the To-Be in the form of Reporting Requirements.
• Created Reports templates for the user convenience, reviewed with users, made changes as required and got approvals.
• Acted as a liaison between Enterprise Data Warehousing, MicroStrategy Reports Development and Business Report Owners to communicate the Reporting Requirements.
• Managed all documentation in Rational Requisite Pro and then uploaded them on SharePoint.
• Used Rational ClearQuest to manage the business requirements change requests.
• Worked in conjunction with Quality Analysis (QA) team on designing Test Plan, Test Cases and Test Scenarios.
• Executed User Acceptance Testing (UAT) for all new reports generated in MicroStrategy.
• Participated in transition from Waterfall to Agile Methodology, learning Agile Process, Scrum team Ceremonies, Definition of Ready, Definition of Done Etc. as part of training from agile coach.
• Documented project Epics (long term goals) in Rally and created a healthy Backlog of high level Features as part of Discovery sessions with Product Managers (Users, Tellers, Banking and Call Center Advisors) and Subject Matter Experts (SME's)
• Defined Minimum Viable Product (MVP) and created Release Vision Statement documents (scope) as prioritized from the backlog.
• Participated in all Agile Ceremonies with the team, formed of developers and testers, such as Sprint Grooming, Sprint Planning, Daily Stand Up's and team Retrospective.
• Elicited Requirements in the form of Acceptance Criteria's under a product manager and documented them in Rally under Features.
• Drafted User Stories and Acceptance Criteria's and made them complete as part of Grooming ceremonies with the team.
• Participated in Design discussions with the developers and subject matter experts and made sure the Solution Specification documents were updated accordingly.
• Analyzed the Defects opened by testers in Rally and prioritized them to be fixed.
• Was delegated the accepting of User Stories once development and in-sprint testing was complete.
• Conducted Demo sessions at the end of each sprints with Product Managers (Users, Tellers, Banking and Call Center Advisors) and Subject Matter Experts (SME's)
• Participated in them Retrospective sessions organized by Scrum Masters at the end of each sprints to discuss what went well and what we can improve.
• Participated in Hardening sprint at the end of every two months’ release to review End-to-End Test Cases, Scenarios involving all Upstream/Downstream Interfaces.
• Acted as a liaison and interacted with both business and development team in coming up with Functional and Non-Functional Requirements documents.
• Involved with Client Service and Customer Relationship team (CRM) to get end users feedback about the application.
• Managed and tracked Change Control Process of requirements and design changes using Rational Requisite Pro. Documented the changes, issues and their impact on the system design and delivery.
• Uploaded all documents on SharePoint and submitted them for approval process from Managers and Subject Matter Experts (SME's)
• Involved in testing life cycle by documenting System (SIT) and User Acceptance (UAT) Test Plans, Test Cases, and Execution of UAT Test Scripts.

Business Analyst

Confidential, New York, NY

Responsibilities:

• Facilitated user groups collecting the business requirements; define Project Vision & Scope, Business Requirements, Use-Cases and Functional Specifications.
• Followed Agile development methodology in the project and participated in Sprint planning sessions, Kickoff meetings and daily scrum meetings.
• Prepared project schedule using MS Project and closely monitored the development progress and reported the same to Senior Project Manager and stakeholders.
• Successfully completed project to convert commercial lending system to virtual server platform.
• Worked on a project to compare and determine system for converting the servicing for over 12,000 commercial loans
• Completed operational access control for commercial lending system to ensure compliance with all Sarbanes Oxley (SOX) guidelines and requirements
• Participated in Loan IQ Service Pack and version upgrade analysis (commercial lending system) and end user requirements gathering
• Created Disaster Recovery documentation in conjunction with corporate Disaster Recovery efforts
• Created and defined Report Access Process and Procedures to ensure timely development and appropriate distribution of created reports.
• Assumed production support role for the Loan IQ application.
• Prepared requirement traceability matrix for the requirements to track the requirements.
• Designed and developed Use Case Diagrams, Activity Diagrams, and Sequence Diagrams, using UML diagrams and Screenshots/UI in Visio.
• Extensive business domain knowledge on for anti-money laundering
• Assisted in new client onboarding including data entry into several onboarding systems and AML screening
• Supervised all compliance related tasks including onboarding and AML/KYC related elements including PEP screening; filed Internal Suspicion Activity Report for Money Laundering
• Working knowledge of AML/BSA risk assessment and mitigation processes
• Worked as a lead modeler for the forecasts the Risk capital under difference stress test scenario. The model's output is included as part of the CCAR submission
• Served as a liaison between the business owners and project team. Organize and conduct Joint Requirement Development (JAD) sessions for requirements gathering process.
• Led internal discussions on complex financial matters including but not limited to review and assurance of proper key drivers, assumptions and adjustments applicable to individual models, aggregation and reporting for CCAR purposes as well as US GAAP reporting purposes.
• Utilized the Rational Unified Process (RUP) methodology throughout the development life cycle to enhance and manage performance deliverables. Methodologies utilized included: OOA/OOD, UML, and Rational Unified Process.
• Used Microsoft SharePoint to share and maintain the various versions of the requirement documents.
• Developed Test Plan with timelines and resources, Test Cases and documented test summary reports for the functional and non-functional requirements in Mercury Test Director.

Business Analyst

Confidential, Oaks, PA

Responsibilities:

• Business Analyst with strong Banking domain experience.
• Intricately involved in all aspects of the IFRS, USGAAP and Local Regulatory Reporting projects
• Advised Financial Services institutions on infrastructure (technology/process/people) issues and opportunities for regulatory reporting both financial reporting (FFIEC031, FR Y-11, FR 2314, etc.) and risk reporting.
• Collected data from various databases to automate the whole process of CTR and SAM, generated reports by using Mantas.
• Collaborated with the marketing team in identifying the needs of the bank's customers.
• Established a Business Analysis methodology around the RUP (Rational Unified Process).
• Facilitated numerous JAD (Joint Application Development) sessions utilized for the creation of design documents and system specifications for applications.
• 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)
• Created functional & technical specifications for an in-house front office trading application whose main products were related to ABS (Asset Backed Securities), CDO (Collateralized debt obligations) and Whole Loan Mortgages.
• Worked on a Risk Management System, which supplies users with intra-day and end-of-day speeds, status of modeled bonds, as well as market and credit risk (delta) information
• Responsible for data mapping of feeds from several reference data systems, including Bloomberg, to several in-house applications.
• Used MS-Visio to document current work flows, manual processes and end-to-end processing of system interactions
• Assisted and executed associated project plans and test scripts for User Acceptance Testing (UAT) and subsequent user training.
• Developed strategic partnerships with various business units to develop a solid knowledge base of the business, including the business plan, products, processes and revenue streams.
• Played a key role in the planning, testing, and implementation of system enhancements and conversions.