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Senior BUsiness Analyst

Dublin, California, 94568, United States
40-60 per hour
January 18, 2017

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Bhagath Gottipaty +1-903-***-****

Business Analyst

An experienced Business Analyst with close to 9 years of progressive career in financial and Banking industries. Demonstrated ability to plan and implement projects, manage budgets and resources successfully. Passionate about deriving insights, delivering results, and improving client satisfaction with proven experience in translating complex business requirements to technical functions to help build new systems and processes in the banking and finance realm.

Strong experience working in Mortgage Industry from Loan Origination to Loan Closing and Servicing.

Deep knowledge of consumer banking, lending, digital and online banking, Cards and payment technology domains to provide streamlined BRDs to the project teams

Extensive experience of working in Financial Industry; Capital Markets, Risk Management, Wealth Management, Investment Banking, Fixed Income.

Experience with the procedures of Banking & Regulatory Compliances – Anti-Money Laundering (AML), Bank Secrecy Act (BSA), Customer Identification Program (KYC/CIP) and Basel II Accord.

Expertise in CRM application (SaaS), Data Migration and Quote-to-Cash functionality.

Proficient in Administrative tasks like creating Profiles, Roles, Users, Tasks, actions, Dashboards, Reports and Validation rules.

Expertise in Project Management i.e. Project Scoping, Planning, Estimating, Scheduling, Organizing, Directing, Controlling, and Budgeting.

Proficient in Technical and Business Writing, Business Process Flow, Business Process Modeling, Business Analysis and testing various methodologies.

Good knowledge of Cash Management, Foreign exchange and Treasury Management services (Account Reconcilement Services, ACH, Lockbox, Sweep Accounts, SWIFT transfers etc.)

Implemented different SDLC methodologies including Waterfall, RUP and Agile; proficient in SCRUM framework, artifacts, SPRINT planning and review.

Experience in facilitating Joint Requirement Planning (JRP) sessions with Business User Groups, conducting Joint Application Development (JAD) sessions with IT Groups and Conflict Management with Project team.

In depth knowledge of Software Development Life Cycle (SDLC) processes like Waterfall methodology, Rational Unified Process (RUP) methodology, and Agile methodology.

Competent in Creating Unified Modeling Language (UML) diagrams such as Use Case Diagrams, Activity Diagrams, Class Diagrams, navigational flows, story boards, UI specifications and Sequence Diagrams.

Expert in creating Risk Management Plan, User requirement Specification (URS), Functional Requirement Specification (FRS), Business Requirement Documents (BRDs) and maintaining Traceability Matrix.

Extensive experience in conducting Market Research, Feasibility Studies, Data Analysis, Data Mapping, Gap Analysis, Risk Identification, Risk Assessment, Risk Analysis, and Risk management.

Extensive experience in developing Use Cases, creating Screen Mockups, conducting Impact Analysis, SWOT analysis, Cost Benefit Analysis, Risk Analysis.

Strong experience in conducting User Acceptance Testing (UAT) and documentation of Test Cases. Expertise in designing and developing Test Plans and Test Scripts.

Thorough knowledge and understanding of the standards and compliance requirements affecting the Payment Solutions department such as Visa and Master Card compliance, Plastic Card Industry Data Security Standards (PCI-DSS), Card Act and etc.

Organized professional with excellent verbal and written communication skills, excellent presentation, interpersonal skills, problem-solving skills, fast learner and also adapt quickly new technology with the ability to take new roles in minimum time.

Built data models and analyzed reports to extract business insights.

Developed Tableau applications, provided insights from complex analysis which helped the decision makers during product re-designing and marketing strategies in retail business departments.


Master of Business Administration (MBA)

Hult International Business School Boston, MA

Bachelors in Engineering (BE)

Sathyabama University Chennai, TN


Documentation Tools:

UML, MS Office (Word, Excel, Power Point, Project), MS Visio

SDLC Methodologies:

Waterfall, Iterative, Rational Unified Process (RUP), Agile

Modeling Tools:

UML, MS Visio, Power Designer, Enterprise Architect

CRM Application:

Reporting Tools:

Tableau, Power BI, Encompass, Empower

QA Tools:

JIRA, HP Quality Center


SQL, HTML, XML, Java, ColdFusion

Quality/ Statistical Tools:

Gretl, SPSS, Stat Tools Palisade, SAS Studio


MS SQL Server, Oracle, DB2, MS Access

Operating Systems:

Windows Vista, Windows 95/2000/XP/7/8/10, Mac OS

Microsoft tools:

MS Office Suite (Word, Excel, Power Point, Outlook), MS SharePoint, and MS Project

Professional Experience

Reduxio Systems, Boston, MA Sep 2015 – Nov 2016

Business Analyst (CRM & Business Intelligence)

Reduxio Systems is an advanced data storage, management & protection technology startup company based in Boston and San Francisco. Part of the project requires to enable lead nurturing and drive leads to cash execution through Salesforce customization, deployment and data migration for multiple sales teams across the country. Designed and helped build an environment from the ground up that includes territory management, daily operational data tracking and generating reports and dashboards. Utilized the data from online traffic and used statistical analysis to derive valuable customer insights.


Liaised between the sales enablement and the development teams with respect to communication of functional business requirements for systems development.

Actively involved in documenting requirements, designing BPM and use-case diagrams.

Used Salesforce Automation (SFA) for Sales Lead Management, Opportunity Management, Account and Contact Management, Data Quality Management, Approvals and Workflow.

Perform analysis of existing systems and documented the related business concepts, process flows, data elements definitions and calculations, and screen and report layouts.

Lead discussions with the team about feasibility and effective way of leveraging CRM features.

Prepared comprehensive Functional Requirements Documents (FRDs) for the project based on business requirements, priorities and scope.

Interfaced with business users to prepare and update Business Process Requirements, Software System Requirements.

Coordinated with Salesforce team and various internal teams for requirements elicitation, design, implementation, and testing phases of the application.

Worked on other product documents like release notes, user guides, support guides.

Managed to streamline and re-engineering the business processes.

Worked on various objects like Accounts, Contacts, Leads and Opportunities.

Created various custom Reports and Dashboards as per the business user requirements in Salesforce.

Worked on Record Types, Validation Rules, Triggers and Page Layouts.

Involved in Application Setup activities and customized the apps to match the functional needs of the organization.

Provided support for ongoing maintenance and other administration services including periodic data cleansing, workflow and approvals.

Gathered user requirements through interviews and analyze the Sales data to provide business insights.

Automated processes to manipulate and report sales data from external vendors or VARs.

Developed and maintained standard operating procedures as well as workflows for various ad-hoc projects.

Interpreted data from primary and secondary sources using statistical techniques to provide business insights.

Integrated data from multiples sources to build reporting spreadsheets and user interface which met business information requirements.

Presented recommendations and led discussions with senior leadership related to lead generation and lead to quote campaigns.

Developed Analysis Model that includes entity classes, use case diagram, sequence diagrams, object collaboration diagram that provides the development team a view of the requirements for Construction phase activity.

Involved in creating gap analysis document, clearly identifying the data, business process and workflows of the organization with respect to the implementation.

Implemented digital marketing tools like Google Analytics and database marketing tools like Zoominfo, integrated with to bring in 10 qualified leads per day.

Presented recommendations to senior leadership related to lead generation, closed sales leads worth $500k.

Presented insights and advocated changes with sales executives, optimizing sales and marketing effectiveness.

Linked the data with Tableau to predict and forecast ROI from opportunities based on conversion patterns.

THE FEDERAL BANK -- Kochi, INDIA Mar 2010 – June 2015

Sr. Business Analyst / Product Manager: Worked as subject matter/application expert for Finacle, Payment Solutions, KYC/ AML, Credit Cards, Loans, Foreign exchange, online Banking and Cash Management. Helped branches and departments during implementation and product support.

Project 1 - Loan Origination System (CLAPS- Centralized Loan Application Processing System)

This project is about re-engineering the Loan Business Process for the Consumer and Corporate Loans right from Origination to Servicing and building a management system to make the whole loan processing more efficient. The application was an in-house project that was integrated with Core Banking Finacle system and third party technologies.


Effectively served as a liaison between technology development, production support, business architect team and business users regarding a branch application used by more than 1,200 branches

Facilitated meeting sessions with Business Stakeholders to gather the requirements and to capture the current and future state process flows.

Worked on preparing the Business Requirement Document and System Requirement Specification documents with individual process flows.

Provided day-to-day support on reviewing business requirements documents for the Retail Loan Origination Officers team, Loan Processors, Underwriting teams, Loan Closing, Funding and Audit team, Loan Servicing teams, HR teams and Legal and Compliance teams.

Communicated with various SME's and Business people during the review and approval of the Business Requirements and System requirement specs.

Actively involved in the design phase to find cost and time effective solution to benefit the project.

Worked with enterprise and application teams to define the optimal solution for the reengineering process.

Streamlined the Mortgage Document Management System project and beat the deadline to facilitate uninterrupted customer service.

Analyzed the historical data of credit loans and captured insights on default payments, reduced non-performing assets by $190K in 2014.

Worked with developers in completing the Design documents.

Associated with the Business teams on a day to day basis to keep the requirements in scope.

Conducted weekly calls with all the vendor teams to track the progress and capture take ways for each business unit.

Followed up with all the teams to maintain the timelines during all phases of the project.

Identified various road blocks and kept the teams in loop for working towards the solution.

Maintained track of the Project action items, Project scope, Issue logs related to the applications

Organized meetings with Business and Vendors to get the estimate on work hours for given requirements and necessary follow-ups.

Prepared various Data mapping documents for all the systems involved.

Experience in preparing Test plans, Test scenarios and Test cases.

Worked on Functional testing, End to End testing and UAT testing.

Conducted meetings with all application owners/Credit Hub Directors and Managers to define the scope of End to End testing.

Organized the UAT Kick Off meetings with Stakeholders to understand the scope of their testing, test data and timelines for UAT approvals and created UAT approval documents.

Used JIRA as a project management tool, Create Dashboards, Pivot tables and Pie charts.

Organized weekly core meetings with project updates, daily standups and touch point calls.

Created various flowcharts involving the process flows of the business domain, Use cases, and Use case diagrams.

Tested the various journal lines and their offsets for various business transactions, field to field validations between applications.

Used Tableau features like Data blending, Extracts, Parameters, Filters, Calculations, Context Filters, Hierarchies, Actions, Maps etc.

Project 2: Card Disputes Control System (ADAMS)

The application is used by the bank to log and track credit card disputes and settlements, raised by the Card Holder or. The application Manages the documents (TSYS memos, CB Letters, Visa Fast Track/ Master Card Expedited Billing, Pre-compliance/Pre-Arbitration Forms, Scanned Merchant Sales Receipt) required for the resolution of a case as mandated by Visa/MC are housed in ASR and R/DARS application for storage and retrieval.


Interacted with the Business Users from ATM monitoring cell and ATM Officers for requirements gathering.

Conduct GAP analysis of current processes and compare with proposed system enhancement; establish project goals, schedule, milestones, and procedures.

Monitor project progress, proactively manage changes in scope, identify potential roadblocks and create contingency plans.

Documented artifacts required for each cycle in Agile/Scrum.

Develop and deliver project plans, progress reports, requirement documentation and presentations. Conduct weekly status meetings with management, team members and clients.

Assist with identifying process improvements and creating process documentation when needed.

Designed and Created Project Requirements Document (PDD), System Requirement Specifications (SRS) and Business Requirement Document (BRD).

Held presentations and participated in walkthroughs with the development team and the QA team to help them understand the requirements and formulate test plans and test scripts.

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

Extensively used SQL Queries to retrieve and check database contents for project requirements.

Proficient in identifying functional and technical requirements and documentation of business requirements.

Transaction analysis and interpretation using Base24 and CORE banking software.

Identifying test cases and preparing test plans, coordinating and performing Functional & User Acceptance Testing.

Performing Gap Analysis and Impact Analysis for changes performed in the system

Excellent communication skills to manage and liaise with business and technical consultants to explore business process improvement opportunities.

Preparing reports on the cost–benefit analysis/profitability in aiding change management and detailing the changes required in processes and technology.

Specialized in Cash Account Reconciliation and tallying of ATM cash accounts

Project 3 –Payment Technology Application

The project is to design and integrate real-time POS and online payment gateway transactions with Finacle through a customized payment application for Healthcare, Utility and Education clients. Created the business process from end to end taking into consideration all the stakeholders from clients, banking customers, card companies and the bank branches.


Acted as a Lead Business Analyst to coordinate with application teams and business approval departments during the course of the Project.

Facilitated Joint Requirement Planning (JRP) sessions with Business User Groups and conducted Joint Application Development (JAD) sessions with IT Groups.

Enhancing supporting documentation (policies, frameworks, standards, methodologies, and modeling documents) to demonstrate compliance with the Federal Banking standards.

Handled budgeting and project schedule forecasts post scope change analysis.

Prepared and analyzed AS IS and TO BE in the existing architecture and performed Gap Analysis. Created workflow scenarios, designed new process flows and documented the Business Process and various Business Scenarios and activities of the Business from the conceptual to procedural level.

Followed the UML-based methods using Microsoft Visio to create: Use Cases Diagrams, Activity Diagrams, State Chart Diagrams, Sequence Diagrams and Collaboration Diagrams.

Analyzed User Requirement Document, Business Requirement Document (BRD), Technical Requirement Specification and Functional Requirement Specification (FRS).

Developed Project Status metrics for weekly evaluation of Project Status and impact of the Change Request on the Time line.

Identify, manage, and negotiate contracts with external payment processing partners.

Documented application features and operations in detail, including screen layouts, business rules, process diagrams, and other documentation

Design and develop executive dashboards for critical business groups like Risk Management, ACH, Account Opening, deposits, Funds Transfer, mobile and online payments, and Wire Transfers.

Analyzed and prioritized projects based on risk and profitability analysis.

Participated in due diligence in every operation or project possible by following the rule book thereby negating the possibility of frauds or penalties by the Reserve Bank of India.

Designed and implemented a payment technology solution for a state government body that has revenue potential of $800K.

Project 4 – KYC/CDD Implementation

The goal of the project was to make successful implementation and enhancements to KYC application in compliance with the AML regulations. The project also involved enhancements to cross functional business units related to Client On-Boarding Process.


Participated in requirements gathering sessions and interacted with stakeholders to translate the business requirements for on boarding and due diligence processes to comply with the regulations.

Prioritized business and systems problems and conducted impact analysis.

Gathered Business Requirements, defined the scope of the project, analyze and prioritized requirements, developed customized business strategies, and identified high potential business opportunities.

Automated the generation of Customer Due Diligence (CDD) and Enhance Due Diligence (EDD) reports in compliance with AML regulation.

Developed UML diagrams (use case diagrams, activity diagrams, sequence diagrams, and class diagrams) in order to validate entity reference data and verification of the customer records: legal name, address, business purpose legitimacy and analysis of transaction activity.

Implemented layouts for Suspicious Activity and Pattern analysis under AML regulations.

Issued the Test Plan Document, Test Planning, Test Design and Test Execution and was involved in the Testing Process which verified and validated all the defined business requirements and associated functionalities.

Lead the UAT effort and was single point of contact for all the User Testing issues and Change Management.

Created the Requirement Traceability Matrix (RTM) in order to project the life cycle activities and work products to the project requirements.

Coordinated System Integration Testing (SIT), and Regression testing for the project implementation.

Effectively led the effort and implementation of the Business User Acceptance Testing.

Worked closely with Change Management team and attended Change Advisory Board meetings.

Member of the process improvement team. Implemented strategies across the implementation of the project to improve the quality of the overall software development process.

Coordinated monthly releases and managed a scope of change requests.

Review, research and make determination of suspicion on items and transactions identified according to banks AML guidelines by automated alerts or manually received reports.

Tracked and maintained Stakeholder requested enhancements and changes.

Collaborated with IT teams, branches and business owners to coordinate project schedules and timelines.

Prepare Suspicious Activity Reports (SAR) and fraud detection reports (FDR) to the RBI on monthly basis.

Assisted and provided information to support Suspicious Activity Reports (SAR) or for regulatory filing.

Maintained an effective Customer Due Diligence (CCD) risk rating by monitoring accounts in accordance with RBI guidelines and submitting Suspicious Activity Reports (SAR) and fraud detection reports (FDR).

Design updates to managed applications to meet consent order obligations to ensure systems meet Know Your Customer / Anti-Money Laundering specifications

Implement policies, procedures, and systems to ensure comprehensive customer identification and Customer Due Diligence (CDD).

UST GLOBAL Aliso Viejo, CA Aug 2007 – Feb 2010

Business Analyst and PMO

Client: Equator (Online Mortgage Market platform for REO properties)

Managed the planning, scheduling, and reporting of financial software projects related to managing and selling foreclosed properties online by the largest banks in the US.


Gathered user/business requirements from using Requirements Planning sessions.

Worked with end users to identify business requirements recorded the requirements in a format that can be reviewed and understood by both business people and technical people.

Participated in preparing and reviewing the Business Requirements Document (BRD) with the business users, subject matter experts (SME) and technical team.

Created the AS-IS and the TO-BE process flows for enhancements to the website.

Involved in Requirement Management & Testing Team to determine RTM in traceability.

Documented Functional Requirements Specifications (FRS/FRD) based on the business requirements and reviewed the same with the technical team.

Generated UML diagrams and also created the Requirements Traceability Matrix (RTM).

Documented the Business Rules, Non-Functional Requirements, Glossary and Data Elements.

Actively participated and conducted JAD sessions to extrapolate the requirements that are not stated

Analyzed the data, prepare project status reports and presentations to the CXO’s and executive management.

Perform Gap Analysis of the processes to identify and validate requirements.

Executed the planning and led the release to schedule through AGILE Software Lifecycle transitions

Demonstrated the effect of potential risk, dependencies or conflicts to the release schedule in order to facilitate management decisions.

Translated strategy and requirements to actionable project deliverables with clearly communicated delivery dates and responsibility assignments.

Structure flexible test plans, test cases and test scripts to test entire application based on business requirements, technical specifications, and product knowledge and use case scenarios.

Participated in planning and coordinating all release activities for multiple parallel releases interacting with cross- functional teams from multiple geographic locations.

Point of contact for service management and release management at the Offshore.

Enabled smooth change management education to all stakeholders in my projects.

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