Karishma Desai
____________________________________________________________________________
______________________________________________
Address: 317A Nectar Ave, Galloway NJ 08205 Phone: (908)
370-3983 Email: **********@*****.***
OBJECTIVE
To fulfill a data intensive position that will require me to demonstrate my
strong analytical, communication & leadership skills.
EDUCATION
Rutgers- The State University of New Jersey-New Brunswick, NJ
Bachelor of Arts Criminal Justice
SUMMARY OF QUALIFICATIONS
Experienced business analyst and great customer representative of various
banking projects.
Excellent communication, analytical, interpersonal and presentation skills;
expert at managing multiple project simultaneously.
Coordinated and facilitated E-JAD/JAD (Joint Application Development)
sessions for defined agenda with Business and IT teams to complete the
required project tasks.
Excellent in developing Current Process, Future Process and Use Case
Diagrams to meet the business needs using MS Visio.
Knowledge of SDLC (Software Development Life Cycle) using methodologies
such as Waterfall, UML (Unified Modeling Language), OOAD (Object Oriented
Analysis and Design), RAD (Rapid App. Development) and APM (Agile Project
Mngmt).
Capable of performing under minimal supervision, multi-tasking, and meeting
deadlines as an individual/team contributor.
Outstanding performance records marked by a steady succession of increasing
accomplishments of project milestones.
TECHINAL EXPERTISE
Methodologies: UML (Unified Modeling Language), OOAD (Object-Oriented
Analysis and Design), Cost-Benefit Analysis, Risk Analysis, RUP (Rational
Unified Process), APM (Agile Project Mgmt.), BPR (Business Process
Reengineering)
Project Design Skills Tools: MS Project, Rational Requisite Pro, MS Visio
2003, Axure RP Pro
Computing Applications: MS Powerpoint, MS Visio, MS Project, MS Excel, MS
Word, JIRA, CVS, Confluence, Caliber
Analysis Skills: UML, Analysis Skills, Business Analysis
EXPERIENCE
Wells Fargo Bank, N.A, - Tuckerton, NJ Oct 2010-
present
Product Analyst
Documented scope definition for Client Exploration project for fundamental
Retail and Small business products.
Gathered business requirements using interview and survey techniques with
retail and small business customers and the SMEs.
Generated various functional use cases identifying the business/customers
concerns, issues and the demanding market needs.
Identified reporting parameters based on the existing client data for
impacted systems such as DDA, CDA, and IRA accounts.
Reviewed business/functional requirements with business stakeholders and
gained approvals within projected deadlines.
Acted as a subject matter expert and provided clarification to development
and testing team.
Created training guide to educate team players based on the new
functionalities to release the project in timely manner.
L'Oreal Federal Credit Union - Clark, NJ
February 2009- Sept 2010
Assistant Manager/Loan Officer
Evaluated Credit Union's Office of Foreign Assets Control (OFAC) system to
enhance the performance of daily reporting.
Generated Cost/Benefits specification document clarifying current issues,
concerns and needs.
Compared new alternatives OFAC systems against the current system (CUSA)
and performed gap analysis.
Presented pros and cons of the current system as well as the new systems to
gain stakeholders approval of purchasing the new OFAC system
Documented business/functional requirements and completed review process in
timely manner.
Acted as a Subject Matter Expert to third party vendor and internal
Implementation and Testing teams.
Developed the procedure manual for new hires.
Involved in the Users Acceptance Testing (UAT) of the new OFAC system.
Reviewed and processed customers loan applications
Obtained credit records from a credit reporting agency and analyzed Credit
Reports.
Developed debt ratios and risk factors for loans.
Investigated customer queries and provided possible solution to avoid any
conflicts
Executed wire transfers of funds and initiated delinquent process for the
troubled loans.
Interviewed/hired/trained employees
Commerce Bank - New Brunswick, NJ
November 2007 -
September 2008
Currency Management Analyst
Supervised and coordinated daily money transfer activities with external
financial institutions.
Responsible for replenishing the automated teller machines and transferring
money to the vault.
Created various financial reports identifying the concerned business areas
Documented requirements to ensure the process improvements based on the
reports.
Documented Use Cases satisfying the requirements and provided clarification
to implementation team.
Created sample mockups for the business reports.
Cranford New and Food - Cranford, NJ
June 2004 - August 2007
Supervisor/Customer Relations
Formulated effective recommendations for cost reduction measures and
produced financial reports to senior managements
Responsible for the efficient and profitable operation of the store
Hired and trained employees
Developed merchandising plans to help market products around the community
Maintained good customer and community relations
Addressed customer complaints and used LAST (Listen Apologize Solve Thank)
method to help resolve their issues
LEADERSHIP & ACTIVITIES
Little Investment Banker of Rutgers (LIBOR), Active Member
Diversity Business Student Association (DBSA), Active Member