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Project Data

California, United States
June 02, 2017

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Kartheek A



7+ years of experience as a Business System Analyst/Data Analyst in industry domains including Mortgage, Financial, Brokerage Accounts, Retail Banking, e-Commerce and Insurance.

Strong understanding of Retail Banking, including Credit Card, Mortgage, Account Transactions, Wire Transfers, Bill Payment.

Knowledge of Anti Money Laundering (AML), Bank Secrecy Act (BSA), Comprehensive Capital Analysis and Review (CCAR), AML-KYC, BASEL II and III, and Dodd-Frank Act.

Working knowledge and understanding of Suspicious Activity Reporting (SAR),and OFAC reports.

Experience in CCAR - Credit, Operational and Market Risk and FR Y 14 M/Q/A reporting.

Exposure to Reporting tools – Cognos and QlikView.

Strong experience in Business and Data Analysis, Data Profiling, Data Migration, Data Integration and Metadata Management Services.

Experienced in creating Business Requirement Documents, User Requirement Specification, and Functional Requirement Specifications. Experienced in creating Data Flow Diagrams, Use Cases, State Diagrams, Sequence Diagrams, Component Diagrams, Use Case Diagrams & Activity diagrams.

Good experience in Data Modeling with expertise in creating Star & Snow-Flake Schemas, FACT and Dimensions Tables, Physical and Logical Data Modeling using Erwin.

Strong Data Quality Management background performing analysis, monitoring and tuning to maintain data integrity.

Experience in creating database tables, writing stored triggers, select statements, JOINS, views.

Ability to collaborate with peers in both, business, and technical areas, to deliver optimal business process solutions, in line with corporate priorities.

Knowledge of Mortgage Loan Origination, Servicing, Closing, Mortgage Backed Securities (MBS), Fannie Mae, Freddie Mac, Loss Mitigation, Loan Modification, Appraisal, Credit, Income and Title functionalities

Good knowledge and experience on Payment Security Industry (PCI)/ Data Security Standards (DSS) Compliance.

Good Data Warehousing concepts including Extract, Transform, Load (ETL), Meta data, Data Marts, Fact/Dimension Tables, and Dimensional Modeling.

Experience in conducting Joint Application Development (JAD) sessions with end-users, Subject Matter Experts (SME's), Development and QA teams.

Acted as Scrum Master for Product teams with a focus on guiding the teams towards improving the way they work.

Facilitated sprint planning, retrospective and sprint demos.

Organized and facilitated project planning, daily stand-up meetings, reviews, retrospectives, sprint, release planning, demos, and other Scrum-related meetings.

Extensive experience in project management best practices, processes, & SDLC methodologies including Waterfall and Agile(SCRUM).

Ability to understand current business processes and implement efficient business process.

Expertise in defining scope of projects based on gathered Business Requirements including documentation of constraints, assumptions, business impacts & project risks.

Analysis and review of Software and Business Requirement Documents (BRD).

Conducting requirement gathering sessions, feasibility studies and organizing the software requirements in a structured way.

Gathering business and Technical requirements that would best suit the needs of the technical architectural development process.

Team lead skills encompassing user interviews, coordination with Tech Lead, DBA's, Developers, QA/QC Analysts during the design phase.

Interviewing Subject Matter Experts, asking detailed questions and carefully recording the requirements in a format that can be reviewed and understood by both business and technical people.

Worked in various technologies such as XSLT, XPATH, CSS, XML, and HTML.

Well versed in Process Narratives, Flow charting Techniques using UML, and Good Documentation Practices.

Strong SQL knowledge for querying the database and proficient in developing External Tables, Joins, Indexes, Data Modeling, Analysis, Verification, Cleansing, Transformation, Integration, Mapping, Extraction, Load Process from multiple Data Sources.

Knowledge of Test Plans, providing Test Data, conducting unit test, documenting test cases and in Manual Testing - Functional, Database, Black Box, Positive-Negative, and Regression testing.

Experience in writing User manual, conducting functional walkthroughs, and in performing extensive User Acceptance Testing (UAT).

Knowledge of Business Intelligence and Data warehousing tools.

Articulate, confident, and able to communicate comfortably with all levels of the company.

Technical Skillset

Web Technologies HTML, DHTML, XML, CSS, XSLT, JavaScript

Software Applications MS Office, MS Project, MS Visio, MS FrontPage, Dreamweaver, Adobe PhotoShop

SDLC Methodologies Waterfall, Agile (SCRUM)

Requirements Management Rational ClearCase, Requisite Pro, Use Cases, User Stories,

QA/Testing Rational Clear Quest, Team Foundation Server, HP Quality Center 11, Quick Test Professional, LoadRunner

Project Management MS Project (PERT, Gantt charts), Excel spread sheets

Operating System Windows 95 & 2007, NT/2000/XP, LINUX, UNIX, DOS

Design Tools Rational Rose, MS Visio (UML)

Database/Tools Microsoft SQL Server, Oracle 10g & 11g, PeopleSoft, TOAD, Lotus Notes, MS Access

Change Management Stakeholder Analysis, Change Classification, Prioritization, & Implementation

ETL & BI Tools Informatica, Cognos 10.2, QlikView


Bachelors of Technology

National Institute of Technology – India

Professional Experience

Citizens Financial Group, Inc – Providence, RI Jun 2015 – Present

Business System Analyst / Data Analyst

Citizens Financial Group, Inc. is an American bank headquartered in Providence, Rhode Island, which operates in the states of Connecticut, Delaware, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island and Vermont. Citizens is the 13th-largest bank in the United States, and operates more than 1,200 branches and approximately 3,200 ATMs across 11 states under the Citizens Bank brand.

The team was tasked with the development of data warehouses for forecasting purposes as well as reporting purposes and this position served as a liaison between the financial analysis team, the financial reporting team and the IT development team. The project covered compliance and regulations such as Basel III and CCAR. The process followed Agile Scrum Methodology.


Gather 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.

Help prepare for CCAR reporting schedules (ex. FRY 14A/Q/M & 9C).

Meet with financial analysis team and financial reporting team to gather their requirements on data.

Participate in data modeling, data analysis and requirement documentation.

Lead Sprint Planning & Estimation sessions, Sprint Retrospectives and Reviews.

Develop detailed level process maps to facilitate requirements gathering for projects and trainings.

Conduct data verification on projection data warehouse.

Design logical models using Star schema. Constructed a credit Fact which could be sliced and diced by various dimensions like Product, GL, Asset Class, Geography.

Define, documented and translated high level business requirements into detail system specifications.

Identify and analyze business problems and defined the scope of activities required to address issues, including requirement definition, process review, impact assessment and operational streamlining where necessary.

Prepare FRDs that help drive the design of the infrastructure necessary for the organization to meet new CCAR reporting requirements.

Help with the remediation and mapping of data going into reporting systems.

Conduct data verification on reporting data warehouse.

Extensively involved in Data Governance process. Assisted in data grouping and defined relationship among the different tables.

Participate in configuration of IHC Reporting System and other in-house reporting software /systems.

Support the Project manager in planning, executing, controlling and closing phases of projects.

Work with the development team to define system specifications based on the business requirements gathered by Prototyping and JAD sessions.

Worked with users to define business process and information systems for supporting those processes and initiated the requirements feasibility process to determine the viability technically, operationally, and economically.

Design and implement basic SQL JOIN queries for QA testing and validate reports generated in Axiom.

Performed System Integration testing, User Acceptance Testing and created test cases and test scripts.

Use SharePoint to store, organize, share, and access information from almost any device.

Environment: Oracle 11g, Microsoft Project 2000, Axiom SL DDW/IC, Axiom SL Oracle, Informatica 9.5.1, Erwin, MS Excel, SharePoint 2010, PowerPoint, MS Visio and MS Outlook

Target – Minneapolis, MN Jul 2014 – Jun 2015

Scrum Master/ Business Analyst/Data Analyst

Target Corporation is the second-largest discount retailer in the United States, behind Walmart, and is a component of the S&P 500 Index. Target operates 1,792 locations throughout the United States. I have performed roles of a Scrum Master and Business/Data Analyst. I worked on multiple enterprise level projects Global Logistics Systems (GLS), Target’s Resource Demand and Supply Model, Store System (BI) and Pharmacy Tracking System. The store system generates reports (Cognos) for Forecasting and Actual of Sales, Inventory, Demand-Supply elasticity, Claims and Financial Metrics. My role is very critical and it involves:

Responsibilities as a Scrum Master:

Worked closely with Product Owner and Program Manager to prioritize the features and call out the dependencies, impediments and risks well in advance so that teams can plan accordingly.

Participated in Program Increment (PI) planning to identify objectives of the PI.

Facilitated all 4 ceremonies Sprint Planning, the "Daily Stand-up", Sprint Retrospective and Sprint Review / demonstrations.

Worked with Product owner on artifacts such as Product Backlog, Spring Backlog, Sprint Burn down and Release Burn down.

Facilitated Scrum of Scrum (SOS) with other Scrum Masters and Leadership.

Maintained teams' performance and velocity metrics.

Maintain task tracker, release schedule and program board in synch.

Actively participated in agile community and making sure to follow best practices in industry.

Encouraged team to be self-organized and try to come up with reusable elements.

Encouraged team to actively participate during story time and break down the stories as granular as possible.

Maintained (updated) task board on daily basis.

As a Business Analyst:

Performed as a liaison among business stakeholders to understand business problems and opportunities in the context of requirements and recommend solutions that enable the organization to achieve its goals.

Prepared wireframes and reviewed the UI flow with business stakeholders; created UML diagrams to capture the full stack system flow.

Elicited, Analyzed, and Document the requirements for business processes, policies, and information systems. Also, provided business analysis expertise in comprehensive extraction and development of detailed functional requirements, process diagrams, report specifications, and prototype. Identified, captured and provided business/data definitions and rules.

Conducted several user interviews and/or facilitate group sessions to identify business requirements including decision process needs, information sources, access privileges, and company standards. Also, conducted user story sessions, discuss user stories, capture story points and acceptance criteria.

Delivered Business Process Model, Business Requirements Documents, Business Requirements List and Business Use Cases. Work with project manager to deliver project charter. Plan and develop feasibility study, requirements and risk analysis.

Created "As is" and "To be" process flow using Visio and UML, create the prototype if require, manage requirements prioritization and requirements change process.

Worked closely with product owner to prioritize the features and mitigate any available impediments.

Made sure that LEANKIT is up to date and reflecting accurate status.

Made sure all the stories (Agile) and requirements (Waterfall - BRL) are available correctly on HPALM.

As a Data Analyst

Created Relational and dimensional models using Framework Manager.

Worked on multiple database, and multiple data source in Framework Manager to generate reports.

Created standard reports in Cognos Report Studio, and Analysis Studio.

Developed Multidimensional Models in Power-Play Transformer and generated Power Cubes for OLAP comprising of dimensions, hierarchies, levels, categories, and measures in Cognos.

Modified Power Cubes by adding new Dimensions, Levels, Categories and Measures such as Sales, Inventory etc.

Created different Dashboards in report studio using combination of List, Crosstab, and Graph and Map reports.

Enviornment: Agile (SCRUM), Oracle 11g, Cognos 10.2, Cognos 7.4, Report Studio, Axure, UML, MS Office Suite (Word, Excel, Power Point, Visio), SharePoint

PNC Bank – Pittsburgh, PA Jan 2013 – Jul 2014

Business Analyst

PNC Financial Services Group, Inc is an American financial services corporation, with assets of approximately $358 billion, as well as deposits of approximately $249 billion. PNC operations include a regional banking franchise operating primarily in nineteen states and the District of Columbia with more than 2,600 branches, online and mobile services together with 9000 ATMs,specialized financial businesses serving companies and government entities, and asset management and processing businesses.

Project 1

The Project involved implementation of Actimize AML-SAM Enterprise Risk Case Manager (ERCM) solution to improve its Anti Money Laundering (AML) systems. Under this project data from multiple sources will be extracted, transferred and loaded in the company wide data warehouse and then ultimately transferred to Actimize database. Multiple models were created to identify AML related transactions or suspicious activity on various client accounts. Actimize automated the investigation processes and support capabilities by pooling data from various sources and auto-populating content to deliver automated e-filing of Suspicious Activity Report (SAR) and Currency Transaction Report (CTR) forms, improving investigation accuracy and speed, and also ensuring regulatory compliance with the Bank Secrecy Act (BSA), Foreign Account Tax Compliance Act (FATCA), and the USA Patriot Act.


Interviewed business users to gather business requirements and created Business Requirements document (BRD).

Participated in knowledge transfer meetings and discussions with consumer management and BSA/AML Officer.

Translated the business requirements into functional and technical specification (FSD or TSD).

Ensured that the business need as defined by the Product Owner are met by the Agile team.

Analyzed financial transaction data from multiple data sources including Databases, CRM, flat files to be mapped to the application database.

Gathered requirements, created specifications and UAT plans, coordinated releases for downstream systems such as Credit Risk Management System (CRMS), General Ledger, etc.

Created clear, complete and accurate documentation of user requirements and business process workflows.

Conducted data analysis in excel using Pivot Tables and created data mapping from multiple sources such as Excel file, CRM and Relational Databases.

Created complex SQL query to extract transaction related data from multiple source for data validation.

Monitored suspicious transactions and compiling and reporting associated currency transaction reports (CTRs) and monetary instrument logs (MILs) generated by Actimize AML.

Worked with technical team to help them in creation of databases based on different red flags.

Identified and understood relationships among internal systems problems, issues and data.

Served as a liaison between business users and development teams to compile, analyze and interpret information related to complex business and systems processing.

Performed Fixed Income Analysis to analyse interest rate risks and credit risks to determine the expected results.

Worked with a team of 5 quality analyst/testers within Agile Methodology.

Defined and delivered test strategy, plans, and systems scripts.

Validated different data sources to ensure alignment with the business requirements.

Conducted through testing to make sure the application is developed as per the business requirements.

Create UAT test plans and test scenarios & cases.

Environment: RequisitePro,Toad, Agile (SCRUM), UML, Microsoft Excel, Ab Initio, Actimize AML

Project 2:

Since a lot of of its business reputation depends on online banking, PNC was building their PCI SSC Internal Security Assessor (ISA) Program as a means to build their internal PCI Security Standard, and ensure compliance with DSS (Data Security Standards). The objective of this project was not just for the bank to be in compliance with the DSS standards, but also ensure that the merchants and third party merchants were also in compliance with DSS. The project involved stakeholders from multiple departments including Marketing, Customer Service Center, Operations, Credit Card Services, Legal and Compliance to help analyze, document business requirements, process flows, and data needs.


Gathered, analyzed, refined, and interpreted business requirements Business and converted them into functional requirement specifications.

Performed data inventory, which requires a thorough understanding of all the systems and processes in the bank that use credit card and debit card data and how all employees use the data. The inventory report noted every repository that holds cardholders' names, account numbers, and expiration dates.

Worked with the Security assessor and perform an assessment of its PCI compliance to determine whether the data's protection satisfies and is in compliance with the DSS.

Captured business rules and scenarios for implementing requirements in the enterprise environment in compliance with PCI-DSS and PA-DSS regulatory standards in credit card information.

Selected the appropriate elicitation technique to efficiently identify critical requirements and prioritized requirements by conducting brainstorming sessions with the back office portfolio management and sign offs on requirement artifacts from project managers.

Determined the level of formality required and considered options for documenting and packaging requirements based on project type, priorities, and risks.

Executed two week iteration and worked with the cross-functional mobile application team to ensure that all the requirements were compliant with overall project goal and scope for mobile and web based products.

Led numerous JAD, mitigation, and negotiation sessions with key stakeholders to discuss alternate solutions for Process improvement.

Facilitated group meetings, one-on-one interviews, and correspondence through emails to manage change control process and to discuss the impact of change request on the project.

Conducted Gap Analysis by creating Swim lane diagrams and highlighted the differences between the Current (AS IS) environments versus the Target (TO BE) environment.

Used Enterprise Architect and exercised UML methodology in creation of UML diagrams such as, Activity and Use Case, Context diagrams.

Initiated and exercised various strategies involved in website Usability, Functionality, and Compatibility testing.

Closely interacted with developers and System Architect to understand customer site navigational flow, to identify bottlenecks, enhance site navigation, and increase customer satisfaction.

Assisted the project team to enhance the Personal Loans, Credit Card, Internet Services, Mortgage Services divisions and Mortgage payments functions.

Created Test Plan document, test cases, test scripts and expected results for UAT.

Environment: Waterfall SDLC, Enterprise System, Core Banking, MS Project, MS Access, Mobile Application, MySQL database, IBM Requisite Pro.

LoanDepot – Foothill Ranch, CA Sep 2011 – Jan 2013

Business Analyst

LoanDepot, LLC, a mortgage lender, provides residential loans to home buyers and homeowners in the United States. It offers fixed rate, adjustable rate, jumbo, federal housing administration, and veterans administration loans. Prime function of the project was to automate Mortgage Loan Origination Process beginning with the customer initiation to title transfer. The system performs all the business functions of the loan process such as the Origination, Servicing, Closing, Loss Mitigation, Loan Modification, Appraisal, and Credit, Income, and Title functionalities by extracting credit data from external agencies. Also worked on the mobile application that was developed specifically for their Mortgage business


Generated a streamline process to understand the various steps in the Loan Lifecycle and desired functionality of the new system by interacting with users, management, SME, stakeholders, Lenders and underwriters.

Gathered requirements from business users and analyzed them using Rational RequisitePro.

Prepared and analyzed AS IS and TO BE in the existing architecture and performed Gap Analysis.

Documented functional specifications to automate the loan approval process for home Mortgage (online application, workflow - for the credit department, upon approval the system routes the application to the underwriters for review).

Worked closely with Legal Department to implement any required changes due to root cause analysis findings of laws related to loan origination processes, including TILA, RESPA, HELOC etc.

Acquired in-depth knowledge of the Mortgage industry and understanding of the Fannie Mae and Freddie Mac underwriting guidelines.

Gathered business requirements through interviews, surveys, and observing from account managers and UI (User Interface) of the existing Brokerage Portal system.

Designed and developed Use Cases, Activity Diagrams, Sequence Diagrams, Data Flow Diagrams, Object-oriented Design (OOD) using Rational Rose according to the UML methodology.

Implemented the entire Agile Methodology of application development with its various workflows, artifacts and activities.

Acted as a liaison between business users and system development team during development process.

Implemented a suitable Change Management process and supported the existing banking solution upgrade by coordinating multiple projects.

Conducted user interviews, gathered requirements, analyzed the requirements by using Rational Rose, Visio and Requisite pro.

Supported IT & Risk Management in Business Continuity Planning for Item Processing department.

Developed and maintained the project plan using MS Project.

Conducted interviews with clients for the purpose of gathering product requirements and understanding the client workflow.

Created a RACI matrix based on the organization standards for ongoing operations and issue resolution procedures.

Worked with the Quality Assurance team to create Test Plan and Test Cases and conduct unit, integration, and system testing.

Participated in developing of Training Materials for the new technology and User Training.

Environments: SDLC, Agile Methodology, Rational Clear Quest, UML, Oracle, MS Project and MS Office.

Arbella Insurance Agency – Quincy, MA Aug 2009 – Sep 2011

Business Analyst

Arbella Insurance Group, headquartered in Quincy, Massachusetts, United States, is a regional property and casualty insurance company providing business and personal insurance in Massachusetts and Connecticut, as well as business insurance in Rhode Island and New Hampshire. A web application was developed to serve customers of insurance products (P&C) with a view to improve the relationship with the customer in claims processing and insurance producer relationship. The application generated statements at periodic intervals listing information like the policy’s cash value, interest credit rating, notice of any changes and any transactions as per the business needs. Customers would also be able to print their Insurance Certificates and Policy Documents online.


Analyzed User Requirement Document, Business Requirement Document (BRD) and the relationship between business needs.

Elicited requirements for Dashboard implementation and acceptance criteria and documented business needs through product backlogs and user stories.

Simplified client functional requirements through Q&A and feedback sessions

Prepared AS IS and TO BE of existing architecture and created requirement traceability matrix in order to map the requirements effectively in to MUST HAVE and NICE TO HAVE buckets.

Employed SDLC and implemented Change Management techniques for successfully monitoring and fine-tuning the project changes.

Extensively used Requisite Pro for purpose of writing use cases and customizing and filtering requirements to maximize the informative value of each requirement and to meet client deadlines.

Created a file of ACORD Forms for both Personal and Commercial Lines of Business used as the standards in all Property and Casualty markets.

Wrote and executed SQL queries to verify data in the reporting system.

Built Use Case Scenarios, workflow scenarios, designed new process flows from the requirements gathered to create use case diagrams and Use case documents.

Created and executed test plans and test scripts

Performed quality assurance testing of systems and solutions.

Facilitated the user acceptance testing (UAT) phase of each assigned project.

Managed daily data exception reports plus created filters, sorting and prompts with the layout on different set of reports. Also tracked progress on updates in project plans and took signoff from the Personal and Commercial Lines of Business owners.

Liaison between the business teams and project teams and worked closely with technology teams and provided analytical support in the Design, Development, and Implementation of Project.

Developed test plans, test case objectives and test cases.

Environment: SQL, Requisite Pro, UML, MS Visio, Quick Test Pro, MS Office Suite, Project Management, HTML, CSS, ASP.Net, C#

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