Business Analyst Finanace/Senior BA /Scrum Master/Business Analyst

Dipika

Email id: ******.****@*****.***

Phone: 973-***-****

C2C or CTH

Professional Summary:

Dynamic self-motivated senior business analyst with over 8 years hands-on experience within the

financial services and banking industry in the domains such as AML, Risk Management, Trading, KYC, Portfolio management etc.

Extensive understanding of Software Development Life Cycle (SDLC) including Waterfall, Agile

Scrum and Rational Unified Process (RUP) and Business / System Analysis: experienced in gathering user requirements, documenting requirements, technical writing, business analysis, system analysis, testing, and implementation of projects.

Experience in AML tools such as Actimize systems and related topics knowledge and understanding of fixed-income trading, asset management and portfolio management applications and how they are impacted by the Bank Secrecy Act, USA PATRIOT Act, Dodd Frank Act, Anti-Money Laundering, OFAC and Customer Identification Program (KYC/CIP), Basel II compliance using industry standards and regulatory guidance, etc.

Extensive experience in Finance industry, Credit Card, Investment Banking (GL, Personal Accounts, Check payment, ATM, Fraud – AML) and Mortgage industries.

Experience in Private Equity, Securities and Derivatives trading, Hedge Funds and Fixed income instruments such as Bonds.

Understanding of Portfolio analysis report and P&L reports by performing the risk analysis (Credit Risk, Market Risk, Reinvestment Risk, and Inflation Risk) based on the client investment objective.

Strong knowledge of CCAR, Client On boarding and FINRA’s regulations

Design and review of various documents including the Software Requirement Specifications (SRS), Business requirements document (BRD), Use Case Specifications, Functional Specifications (FSD), Systems Design Specification (SDS), Requirement Traceability Matrix (RTM) and testing documents.

Proficient in creating Risk Analysis documents, Risk Management Plan, User Requirement Specification, Functional Requirement Specification and Business Process Flows.

Proficient in using UML in behavioral, structural and architectural modeling – in creating Use Case, Activity, Class and Sequence diagrams.

Excellent understanding of Database management system, Data warehousing concepts, Business Intelligence technologies and Data mining.

Experienced in Implementing Normalization/Denormalization techniques for optimum performance in OLTP/OLAP database environments for Business Intelligence’s function.

Wrote SQL queries and assisted in extracting data for creating Data mapping document.

Highly skilled in creating, writing, and executing Test Cases, Test Scripts from Business User Requirement documents and Functional Design Documents.

Experienced in performing functional tests at various stages of SDLC using manual testing.

Ability to handle pressure and meet deadlines coordinating multiple tasks in project environment.

Business/Technical Skills:

Rational Requisite Pro, Rational Rose, Rational Clear Quest, Rally, Jira, MS Visio, MS Project, Erwin, UML 2.0, Rational Clear Case, Test Director, SharePoint, Mercury Win Runner, Load Runner, Quick Test Pro, Black Box, System, Regression and Performance testing, SQL, PL/SQL, Visual Basic, HTML, MS Access, Excel, MS SQL Server 2000, Oracle9i, Sybase, MS-DOS, Windows 95/ 98/ 00/XP, ISO9001, Six Sigma, TQM, SSAS, SSRS, Quality center

Education:

Master of Science in Zoology- North Eastern Hill University, Shillong, India

Client: Royal Bank of Scotland, Weehauken, NJ

Duration: March 2014– Present

Role: Senior Business Analyst

The project involved in implementing Actimize solutions for the Anti-Money Laundering to study the structuring of the cash deposits, cash intensive businesses, trade-based laundering, shell companies and trusts, round tripping, Bank capture. This project was focused on preparation of CTR and SARs as per the AML compliance laws using the Actimize software following Agile methodology.

Responsibilities:

Interacted with SMEs of the compliance department and understood the AML compliance requirements

Lead the team in requirement gathering and managing using IBM Rational DOORS, which included interviews, brainstorming sessions and meetings with stakeholders, BU, and compliance

department and SMEs.

Studied the existing KYC and CIP system and prepared the test data for the Customer Due Diligence and Enhanced Due Diligence based on the inputs.

Studied the data mapping from the transactional data to the Actmize Software

Prepared the reporting formats for the regulatory filings and internal use and helped the Actimize team to produce the reports.

Prepared the report publishing frequencies and the media in which it shall be published (SharePoint), also prepared the document for filing frequency and filing format of the SARs, CTRs to the regulatory agencies and internal systems

Understood the business logic, User requirements and test-objectives to develop test plans, test cases, and test case execution using Test Director.

Tested the application manually by executing Test Cases in Quality Centre prior to Automation and Involved in automated testing and Performance testing using QTP and Load Runner.

Participated in Bug-Review meetings with software developers, QA, managers and recommended enhancements to the existed application from business perspectives, provided solutions to existing bugs.

Conducted UAT to make sure that all the user requirements are catered by the application.

Tools & Technologies:

Rally, Agile, SDLC, Erwin, Microsoft Office 2007 (Word, PowerPoint, Access, Excel Pivot and VLookup, Outlook, Project, Visio), Rational DOORS, Rational Clear Quest, QTP, Mercury Quality Centre, Actimize

Client: Citi Bank, Jersey City, NJ

Role: Sr. Business Analyst/Scrum Master

Duration: June 2012 - February 2014

The project was aimed at designing and providing a consistent, coherent approach to enterprise wide risk management bringing all the data together into one location enabling the application of a full range of risk management techniques and create measures that represented company proprietary knowledge of the market. This project involved designing a central data warehouse. The SDLC used for this project was Agile Scrum.

Responsibilities:

Managed business requirements for the project to move the credit reporting batch to publish counter party exposure limits earlier as a part of an FSA compliance requirement.

Contributed to the growth and maintenance of Foreign Exchange Risk Management strategies in accordance with Basel II Accord

Products enveloped were Equities, FX Rates, Commodities, Swaps, Derivatives, Fixed Income and Mortgages.

Conducted various stress testing program and followed Basel II, CCAR interfaced with Liquidity Risk Management teams

Carried out monthly analysis of foreign exchange movements on the financial statements.

Credit batch included components for trade valuations, deal generation, collateral recognition, Monte-Carlo simulations and counterparty aggregation.

Gathered Business Requirements by constant interactions with Business Unit leaders, Products and Underwriting, Claims, Finance and Sales.

Communicated with the clients to identify requirements, activity and sequence diagrams and to develop functional specifications.

Updated the project changes and status to the stakeholders on a daily basis, ensuring each change goes through a systematic project impact analysis.

Identified and analyzed dependencies and potential risks to the completion of the sprints including resources, costs and system.

Responsible for following the visibility of historical team metrics and progress of the iteration and release.

Partnered with the project leads to ensure the team is producing solutions that meet the set standards, procedures and practices, address issues and risks and mitigation plans.

Understood the design and structure of different databases. Also involved in writing ad-hoc queries for data mining using different data mining tools. Completed data mapping for the Wealth Management segment to facilitate the conversion of client assets.

Being a Scrum Master assisted team with making appropriate commitments through story selection, sizing and tasking and being proactive in identifying and removing the blockers. Also facilitated frequent retrospectives, sharing metrics to analyze and execute improvements.

Involved in Scrum Sprit Planning Sessions, Sprint Retrospectives and Reviews, Backlog grooming, Sizing, Daily Stand ups, User Stories and Acceptance criteria.

Actively involved in writing SQL scripts and using data mining techniques to extract and process data from different resources.

Developed and enhanced process flows for static data resolution, counterparty limits calculations and reporting.

Managed over 100s of feeds from various systems of records and meticulously addressed each and every detail to ensure a successful end-to-end business process.

Worked on all aspects of the project from interacting with the directors and senior business partners for requirements, interacted with upstream and downstream data consumers, leads and PMs, creating test plans and test cases, post implementation checks and future enhancements.

Involved in reviewing test plans and test cases and ensuring test cases reflect user needs. Also responsible for conducting user training and user acceptance testing to ensure and verify system is designed according to user needs.

Organized review sessions on regular basis with QA Team and development team for preparing status and delivery report.

Identified users for user acceptance testing and taking feedback from users about the system.

Tools & Technologies:

Rally, UML, Agile, Windows NT/2000, ava1.4, Windows XP, XML/XSLT, SAS, .NET, HTML, SharePoint, JavaScript, Microsoft SQL, MS Visio, MS Office, MS Project, Erwin and Quality Center.

Client: Bank of New York Mellon- Somerset, New Jersey

Duration: February 2011- May 2012

Role: Business Analyst

BNY Mellon is a global investments company dedicated to helping its clients manage and service their financial assets throughout the investment life cycle. The project was designed to implement KYC/CIP to comply with AML regulations. This project involved Data analysis, Data cleansing, and data migration to reporting systems. This was done following the RUP methodology.

Responsibilities:

Understood the Bank Secrecy Act, US Patriot Act, Basel II agreement with help of SMEs.

Analyzed the existing customer data and understood the necessary information that needs to be captured for each existing customer and prepared missing values, anomalies for the completion of the CDD.

Conducted JAD (Joint Application Development) sessions and gathered business requirements, analyzed and prioritized requirements by using Rational Requisite Pro.

Developed scope document, financial projections, budgeting and analysis for the project using IBM Cognos 10.

Identified the technical needs of the organization and accordingly developed Cognos based applications and software.

Recommended solutions or alterations to remove inefficiencies and close gaps in existing process via process redesigning

Created UML diagrams like Use Case Diagram, Activity Diagram, Sequence Diagram, Class Diagram using MS VISIO 2010.

Prepared Business Process Models that includes modeling of all the activities of business from conceptual to procedural level.

Wrote SQL queries in Oracle SQL Developer and assisted in making Data warehouse and doing Data profiling in collaboration with the data architect

Prepared a Gap analysis of the existing data to fully comply with CIP as per AML regulations using actimize.

Determined the threshold parameters such as geography, source of income of the customer, total income, other source of income etc., and fed the information to actimize along with the historical transactional data to categorize the customers for monitoring purposes.

Defined and created the test strategies and associated scripts for the verification and validation of all defined business requirements and associated functionality.

Reviewed and analyzed the use cases and came up with system design and test plan templates and developed test plans, test cases and test strategy.

Designed the test plans and test scripts based on the user requirement specification and conducted Unit testing, Integration testing and UAT.

Imparted training and assistance to business users.

Tools & Technologies:

RUP, Rational Rose, Rational Requisite Pro,SQL Developer, Nice Actimize RCM, Actimize visual Modeler 4.7 Software Development Life Cycle (RUP), SOA, UML, MS Project 2010, MS-Visio 2010 (UI Mockups), MS-Office 2010, Excel Macros, Erwin 7.1, MS SharePoint

Client: JP Morgan Chase Bank, N.A., New York, NY

Duration: August 2009 – January 2011

Role: Business Analyst

The scope of the project was to make enhancements to existing Equity Loan Origination system which enables customers to apply for fixed rate equity loan or equity line of credit. Integral part of the project was to enhance few old reports and create new reports for the business using Waterfall Methodology.

Responsibilities:

Conducted user interviews at both in-house and client locations, gathered and analyzed requirements and implemented those ideas in developing GUI wire frames models, technical and functional specifications.

Created FRD, Use Cases, Activity diagram and documented business processes and use case scenarios.

Conducted JAD sessions with management, SME’s, Business users, and other stakeholders for open and pending issues to develop specifications.

Ensured timely completion of project tasks, and deliverables with high degree of quality and prioritized task appropriately and resolved issues along with project manager.

Performed manual testing along with testers. Conducted UAT with the business users.

Worked closely with Quality Assurance Analyst in HP Quality Center to track defects.

Collaborated with the Project Manager to organize training material and user manuals.

Used SQL queries such as select, insert, update and delete for data manipulations.

Profiled the data for understanding the data and mapping document.

Tool & Technologies:

MS Office, UML, Visio, UAT, HP Quality Center, SQL, Mock Up. Rational Requisite Rational Rose and Pro, MS Visio, UML, Windows XP, HTML and ERWIN.

Client: Suntrust Bank, Somerset, NJ

Duration: March 2008- July 2009

Role: Jr.Business analyst

The project was involved enhancement of the automated Mortgage loan origination process beginning from origination/opening a mortgage application through funding/closing. The system performs all the Business functions of the loan process such as set-up Account information, New Loan set-up, Escrow Analysis, the Appraisal, credit, and income.

Responsibilities:

Met with business area experts asking detailed questions and carefully recorded the requirements in a format that could be reviewed and understood by both business and technical people

Interacted with SME's to elicit business goals and define goal-level requirements

Collaborated with mortgage bankers, personal bankers, investment analysts and accountants to collect and understand business requirements

Analyzed Risks, documented Risk Logs and created Requirement Traceability Matrix (RTM) as a roadmap for the 'TO BE' system

Evaluated technical requirements Created System Requirement Specifications (SRS), Systems Design Specifications (SDS) and System Information sheets to provide concrete inputs for the data mapping processes for Account Analysis, Pay Plus & PAM systems, Signature Snippets Data Conversion

Conducted JAD Sessions to resolve open issues, changed requests so that the application met the business requirements and dead lines

Used Six Sigma Methodologies in solving the errors and issues while the development of the project.

Spearheaded time-in-motion comparison of local applications that determined agent duties and timelines, return on salary and benefit costs, and benefits of 24/7 operation that provided a clear understanding on applications to utilize without impacting the front line and increasing cost.

Helped the Business Users while performing the UAT testing and helping them resolve the defects in the environment.

Worked in mainframe environment and used SQL to query various reporting databases.

Interact and negotiate with Vendors to complete the tasks related to data conversion

Was involved in the Test Plan document preparation.

Developed and designed the test cases for different modules of finance referring to the test plan document and analyzing the test rules.

Kept a track of all UAT bugs/defects and helped the testers to resolve the issues and made a report of all the defects which were resolved and which were not using MS EXCEL.

Identified, prioritized and designed various test scenarios.

Used Quality Center/Test Director for requirement management, test planning, scheduling, executing test cases, managing and tracking defects.

Reported the bugs, Email notifications to the developers using Test Director.

Client: SI Bank & Trust

Role: Jr. Business Analyst

Duration: December 2006 – February 2008

The project aimed at providing accounting, analysis, oversight and stewardship of key Fixed Assets accounting processes. This included providing fixed asset accounting support to business units, periodic review of fixed assets, fixed asset master data management and setup, monthly close activities, financial reporting and monthly and annual variance analysis.

Responsibilities:

Performed financial research, analysis, and reported Fixed Assets data. Exhibited strong knowledge and experience with fixed assets including leases, tax-related fixed assets issues and business combinations

Reviewed and analyzed Key Performance Indicators (KPI) and financial ratios and implemented improvements for Fixed Asset processes

Maintained Fixed Asset register using internal bank system module with experience in writing queries and reports

Conducted complex financial analyses to provide information and recommendations to management. Provided written analyses and interpretation of results

Reconciled all Fixed Asset related General Ledger accounts. Prepared journal entries related to assigned functional responsibilities

Processed and validated invoices, provided coding to finance, obtained line management approvals and reconciling billing discrepancies

Reviewed monthly accruals for accuracy and helped identifying automations and process improvements

Supported audits by various agencies by providing information as requested

Communicated accurately with fellow associates and management at all levels

Tools & Technologies:

Tally, MS Word, MS Excel, MS PowerPoint

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