Data Project

Ravi Thakkar

Financial Business Analyst

(MBA Finance, CFA I, II, III Completed-awaiting CFA Charter)

Email:***************@*****.*** Phone: 704-***-****

Professional Summary:

Overall 9 Years of BA Experience in financial domain containing fixed income, Credit Risk, Market Risk (FRM), Options, Derivatives, OTC financial Products, Portfolio Management, Positions, Equity with Institutions such as Citi Group, TD Ameritrade and 53 bank etc.

Good Experience with Credit Risk and Market Risk Management such as Treasury bills, Treasury Bonds And Over the counter Derivatives (OTC) and Vanilla/ Interest Rate/Equity swaps to hedge foreign currency risk and future and forward contract risk, counter party risk.

Performed Requirements Analysis for CCAR (Comprehensive Capital Analysis and Review) in terms capital adequacy to continue Operations, Liquid Capital ratios, Equity/Liabilities, Loan Loss, Equity Investment Loss, Load to Value ratios (Under the Dodd- Frank Act Stress Test).

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 members.

Excellent understanding of Business Requirements Gathering, Liasoning between Business Team & Technology Team, Evaluating Data Sources, Translating Requirements into Specifications/Data Warehouse Requirements and Application Design.

5 years of professional IT experience as Business Analysis in Data warehousing, Design, Analysis, Implementation, different Data Marts, Data Warehouse, OLTP, OLAP and DW/BI (Data Warehouse/ Business Intelligence) functions and Testing.

Involved in Full Life Cycle Development (Waterfall & Agile) of building business requirements and products / applications for Investment Banking, Financial sectors.

Extensively worked on Data migration, Data cleansing, Data Profiling and Data Mining by utilizing SQL queries through Oracle TOAD Platform for data warehouse.

Proficient in writing FRD and BRD and Data Warehouse Business Requirements with regards to loading Different field from Different Vendors/Systems/Files and Mapping fields to Target Table.

Experience working in all phases of Software Development Life Cycle (SDLC), Rational Unified Process (RUP) methodologies

Experience in business process improvement and re-engineering

Experience in integration of multiple systems, documenting business processes, analyzing test cases and performing functional testing.

Competent in Creating Unified Modeling Language (UML) diagrams such as Use Case Diagrams, Activity Diagrams.

Good experience in fixed income products such PAC bonds, Tranches, CDO,CMO, Yield to call, Yield duration, Callable bonds, Putable bonds, Macaulay duration, effective duration, Value at Risk (VaR) and Market Risk at JPMC, TD Ameritrade and USBANCORP.

Good understanding of PAC tranches in fixed income and its prepayment and contraction risk

Facilitated Change Management across entire process from Project conceptualization to Testing through Project Delivery, Software Development and Implementation Management in diverse Business and Technical Environments.

Extensive experience using Visio, MS Project and MS office tools like MS-Word, PowerPoint, Excel and Access.

Expert in Tracking and Managing the Requirements using Requirement Traceability Matrix (RTM) that controls numerous artifacts produced by the teams across the deliverables for a project.

Good understanding of Accounting Subjects and analyzing generally Accepted Accounting

Involved in Test Planning, Test Preparation, Test Execution and Issue Resolution and Report Generation to assure that all aspects of a Project are in Compliance with the Business Requirements.

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

Excellent analytical & problem solving skills and a team player with strong interpersonal and communication proficiency.

EDUCATION:

MBA in Finance – University of Scranton, Pennsylvania. CFA I,II,III Completed ( awaiting CFA Charter)

CFA (Chartered Finance Analyst) is the examination to achieve expertise in Investment banking field.

Required Subjects are Portfolio Management, Fixed Income, and Financial statement analysis, Economics, Derivatives and Alternative Assets Management, Quantitative Analysis, Ethics & Standards.

Technical Skills:

Databases & Tools:

Oracle 11g/10g, SQL*Plus, TOAD

Requirements Modeling/ Management Tools:

Rational Rose, UML Mockups/Wireframes, MS Visio, CMMI, Requisite Pro, Caliber RM, Remedy, Clarity PPM, JIRA

Defect tracking tools:

Rational Clear Quest, Clear Case, HP Quality Center

Methodologies:

SDLC, RUP, Agile, scrum Master

PROFESSIONAL EXPERIENCE:

Citi Group, Charlotte, NC Sep 2015- Feb 2017 Sr. Financial Business Analyst

The Project is about the Operational Risk Management. CCAR (Comprehensive Capital Analysis and Review) has Credit Risk, Market Risk, and Operational Risk to report to Federal Reserve Board as part Capital Adequacy requirements. With regards to Operational Risk Loss, I have to list out the requirements related to Operational Risk Dashboards to provide detailed and Up to Date information on CCAR Loss, Operation Risk Loss, Total Citi Loss, and Key Risk Indicators from Operation Risk Perspective.

Created Detailed Business Requirements for Operational Risk Loss and Management Control Assessment Applications and User stories/Functional Requirements in JIRA as part of Agile Environment

Great Experience with Creating ORM (Operational Risk Management) Dashboards, UI Mock ups/Wireframes to support business requirements and functional requirements.

Excellent Knowledge on Basel norms – PD( Probability of Default), LGD ( Loss Given Default)

Performed Requirements analysis for CCAR (Comprehensive Capital Analysis and Review) for 14-A Module with regards to CCAR Expected loss, Operation Loss, Key Operations Risk Indicators

Liasoning with Micro-Strategy Developers, Testers and LOB (Line of Business) to ensure that Reports / Ad-hoc reports are as per requirements listed out.

Facilitating the meetings with Product Owners/ Operational Risk Managers/ VPs to conduct detailed operational risk requirements, produce user stories, and to load the data in Data Mart.

Created Mock ups- UIs to ensure that User Stories are well understood by UX Developers to create the prototypes for Project.

Providing the presentations to Line of Business/ Product Owners on Ad-hoc Reports, ORM Dashboards and drill-down of Operational Risk Metrics / Calculations.

Environment: JIRA to track Requirements/User Stories/Testing,Micro-Strategy 9.4,Oracle Toad, SQL, Microsoft Visio, Excel, Word, Power-Point, Agile/Waterfall.

TD Ameritrade, Baltimore, MD Sep 2012 – Aug 2015 Financial Business Analyst

TD Ameritrade is an American online brokerage company based in Omaha, Nebraska, TD Ameritrade’s different brokerage platforms Think or Swim and Trade Architect generated most revenues for the firm.

This project was focused on Equity swaps, where in fund managers were invested in VAAPX funds (Vanguard Asset Allocation Funds). Now fund managers have decided to allocate 10 % of portfolio in Fixed income portfolio for Diversification purpose, so instead of liquidating 10 % of portfolio and invest the proceeds in fixed income, Fund Managers/Portfolio Manager entered into the Equity Swap with Deutsche Bank.

Responsibilities:

Great experience with TD Ameritrade as Financial Business analyst in Financial Risk management (FRM) Domain.

Performed Requirements Analysis for CCAR( Comprehensive Capital Analysis and Review) in terms capital adequacy, Capital ratios, Equity/Liabilities, Loan Loss, Investment Loss, Load to Value ratios ( Under the Dodd- Frank Act Stress Test) for cross-functional project of TD Bank ( TD Ameritrade Sister-concern)

Implemented Financial Risk Management project of Equity Swap, Vanilla Swap and OTC/Derivatives Products with Counter Party Deutsche Bank.

Comfortable with communicating with Directors, VP, PMO and providing Presentations/ Walk through on Risk Management Business Requirements / User Stories.

Good Knowledge on Risk Measures such as Beta (Stock Variance), Delta (Volatility Measure) for Options/Derivatives.

Great Experience in dealing with Business aspects of Hedging Techniques, Market Risk, Credit Risk, Counter-Party Risk for Index Funds, Exchange Traded Funds, Interest Rate Swaps and Financial Risk Management.

Facilitating the meetings with Business Users/ Portfolio Managers/Risk Analystand Development team to conduct thorough financial Requirements Analysis,Data analysis, produce User Stories, Gap analysis for Enterprise Data Warehouse.

Documented Financial Data Requirements with regards to Equity Trades, Fixed Income Securities and Equity Swaps to bring the data into Data Warehouse and Business Intelligence Applications.

Providing the presentations to Fund Managers on Data mapping of Cash flow files, LIBOR(London Inter-bank Offer Rate), Interest Cash Flow, Ticker Symbols, CUSIP,OCC, Settlement of the Contracts and Margin Requirements.

Conducted Data mapping in MS Excel for data flow from Source to Target, Impact analysis on Target databases.

Liasoning with Business User, Developers and Testers to ensure data requirements are met in the mapping,data loading and walking them through ETL Transformation Business Logic.

Created and maintained Narrative Use Cases (Business Use Cases, System Use Cases) and modeled Use Case Diagrams, Activity Diagrams, Data Flow Diagrams using MS Visio.

Hands on Knowledge on Informatica Power Center 9.1 Designer client tools like Source Analyzer, Target Designer, Mapping Designer, and Work Flow Manager.

Extensively used SQL in Oracle Toad to join the tables, to fetch data and for Data profiling/Data Mining for Business Intelligence / Portfolio Managers.

Involved in Unit and Integrating testing of Informatica Sessions, Batches and the Target Data.

Analyzed Third Party Vendors Trade, Cash Flow and Interest Rate Agreement Files in format of XML/XSLT coming as Source to TD Ameritrade Platform via SFTP protocol.

Performed reporting on Business Objects 4.0 to run the reports and perform data analytics.

Environment: Clarity Project Management,Remedy,, Oracle 11g,Oracle Toad, Pl/SQL, Microsoft Visio, Excel, Word, Power-Point, Agile/Waterfall.

AMTRAK, Washington DC Sept 2011 – August 2012

Financial / Data Warehouse Business Analyst

The National Railroad Passenger Corporation, doing business as Amtrak, is a publicly funded railroad service operated and managed as a for-profit corporation.

With Amtrak We ( Data Warehouse/ Business Intelligence team) were developing KPI's ( Key Performance Indicators)Business Intelligence App, Our goal was to provide data feed to Business Intelligence team and generate the reports on how much revenue Amtrak has generated for the ride between designated stations, considering the expenses of Crew and Labors on the Board.

Facilitating the meetings with Amtrak Business Users and offshore Development team to conduct thorough Data analysis, produce Data Business requirements/Data Profiling, Gap analysis for EDW (Enterprise Data Warehouse).

Documented Data Requirements with regards to Train Routes and Third Party Vendor Like MARC bring the Data to ODS, then load the Data Warehouse and Rail Registered Data Mart.

Conducted Data mapping in MS Excel for data flow from Source to Target, Impact analysis on Target databases.

Liasoning with Business User, Developers and Testers to ensure data requirements are fulfilled and correctly mapped to Data Fields in the Target Table.

Extensively worked on Data Mining/Data Profiling work to ensure no duplicates in the source and to check Primary Key/Foreign key and Uniqueness of the Data at the source side.

Navigating the Business Users through Data Fields and Data Profiling/Data Mining work once Data Requirements are collected.

Walking the Business Stakeholders through Mapping Document to suggest how fields are mapped to Target Table.

Extensively worked on Informatica 9.5 Power Center – ETL Transformations like Lookup, Joiner, SQL and Source Qualifier, Router, Filter, Update Strategy Transformations in the Informatica Designer to conduct data analysis.

Created Detailed Mapping Document to map the fields from Source to Target in Data Warehouse Environment.

Experience in SAP Business Objects (BOBJ) 4.1 to perform the reporting and analytics ( Slice and dice the data) for Business Intelligence reporting ( BI reporting)

Environment: SharePoint, Clarity,Remedy, Microsoft Word, Power-Point, ETL Informatica Power Center 9.5, Business Objects 4.1,Oracle 11g,SQL * Plus, Toad, Pl/SQL, Microsoft Visio, Excel, DB2, SQL Server and WinSCP.

JP Morgan, Wilmington, DE Jun 2009 - Sept 2011

Financial Business Analyst

JPMC is a leading global financial services firm with assets of $2 trillion and operations in more than 60 countries. The firm is a leader in investment banking, financial services for consumers, small business and commercial banking, financial transaction processing, asset management, and private equity.

With JP Morgan, We have implemented Self Directed Brokerage Project in Conjunction with TrowePrice (Baltimore-based Financial Firm), and TrowePrice is holding the custody of IRA Custodian Accounts (401K Plans accounts which are in custody of TrowePrice). Per Self Directed Brokerage Project proposed by JPMC, These Custodian Accounts/Employees can invest 95% of their assets into JPMC Self Directed Brokerage Portfolio and rest 5 % they can keep into IRA plan. So it was big diversification/hedging of 401 k Plans.

Implemented requirements for Projects onForward Rate Agreements to hedge/offset the risk on floating (LIBOR) – Fixed Rate Interest Payments, netting of the payments and settlement of FRA.

Provided presentation / Guidelines to Clients on Market Risk of Index Funds (Passive Portfolio) vs Systematic Risk of Active Portfolio.

Documented the requirements for valuation of Forward Rate Agreements &Options (with Binomial Interest rate Tree and with Interest Rate Volatility for Options), Margin Requirements, Counter – Party Risk, Commodity Futures Trading Commission (CFTC).

Great working knowledge on the PAC (Planned Amortization Class Tranches), Structured Interest Only Trances, CDO (Collateralized Debt Obligation) and re-investment and Extension risk for the class of assets.

Documented the requirements for Currency futures contracts while participating in JAD (Joint Application Development) with Dealers to hedge currency risk exposure of a Corporate Client.

Conducted Financial Requirements, Data requirements and Mapping Documentation of the ETL (Extract, Transformation & Load) strategy to populate the Data Warehouse from the various source systems.

Facilitated the meeting between Business users, Developers, Testers, and Prod support team in Joint Development meetings sessions.

Walking the Business Stakeholders through Mapping Document to suggest how fields are mapped to Target Table and ETL Transformation Business Logic.

Documenting the progress reports on Secured Handling Required Data (SHR) process and inflow and outflow of the secured and confidential financial data.

Transform User Business Requirements into User Functional Requirements as well as Business Use Case and Non –Functional Requirements.

Facilitation of Meetings between Business and Technical Teams to transfer the Data needs and ideas to Informatica/Business Intelligence Teams to implement and Execute the Projects.

Conducted Business presentations and improvement plans to the management and training workshops for the clients.

Employed SDLC for the purpose of monitoring the project and also followed the step-by-step procedure.

Hands on Knowledge on Informatica Power Center 9.1 Designer client tools like Source Analyzer, Target Designer, Mapping Designer, and Work Flow Manager.

Participated in and contributed to as-Is and To-Be Process Modeling Sessions, and build process models responsible for analysis

Worked on Data mapping tools, data analysis from DB2 tables, data profiling.

Good Experience in getting Options files, Trade files, to Target Data Warehouse Environment.

Environment: SharePoint, Clarity, Informatica Power Center, Oracle 10g, Netezza, SQL, Oracle Toad, Pl/SQL, Microsoft Visio, Excel, DB2, SQL Server and Waterfall.

5/3 Bank, Cincinnati, OH Apr 2008 - Jun 2009

Financial Business Analyst

Fifth Third Bancorp is a diversified financial services company with $111 billion in assets, operates 18 affiliates with 1,232 full-service Banking Centers. Fifth Third is among the largest money managers in the Midwest and, as of December 31, 2007, has $223 billion in assets under care.

With 53 Bank, we have executed FNA (Financial Needs Assessment) Application project, where we were assessing the financial needs of customer. Based on that we are offering the combination of Checking/savings Account and Credit cards based on Soft hit on customer credit score ( Score calculated by Zoot- third Party Vendor)

Responsibilities:

Facilitated Conceptual Definition (CD) Meetings and JAD sessions with management, Stakeholders and Line of Business (LOB) to define the project and to reduce the time frame required to complete deliverables.

Performed role of Lead Business Analyst to identify constraints and challenges in the project, propose solutions to those road blocks to deliver the project in timely manner.

Gathered business requirements through conducting JAD sessions with LOB (Line of Business), Architects, Quality Assurance, GUI, Developers.

Excellent experience in managing offshore BA resources to bring deliverables to clients as Knowledge Transfer session provided.

Responsible for documenting business requirements, Conceptual Design Documents, Functional Requirements Specifications and mockups.

Analyzed and developed the Use Cases and Functional Requirements specification and SOP (Standard Operating Procedure) to execute end to end process through Process flow diagrams, Activity Diagrams, State Flow Diagrams.

Involved in execution of diverse initiatives of the projects of Financial Needs Assessment (FNA) such as Multi- Debit Cards Project, Pre-screening Initiative, Pre-filling Auto-Mated Loan Processing System (ALPS), Pre-filling Direct Deposit initiative, Qualifile initiative, Deluxe Order pro initiative, Code 1 Address Verification system initiative.

Good Experience with ATM cards platform such as Multi-Debit cards, Genie cards, Credit Cards.

Involved in development of defining different types of plastic designs, BIN (Bank Identification Number) for ATM cards.

Good experience with defining integration of the different system with the single sign on in particular system. Process defined to launch Automated Loan Processing System (ALPS) through Financial Needs Assessment (FNA), FNA through ACE (Awesome Customer Experience), and Deluxe Order Pro through FNA.

Performed large group presentations of Functional Specifications and Business Requirements to Line of Business to request their approval and sign off.

Conducted walk through procedure to Developers, Quality Assurance, Architects, Web Methods, Third party integration to visualize the proposed to be system, to help them build system Architecture Documents and coding.

Analyzed the impact analysis of execution of different initiatives on different back end channels such as UDS (Universal Depository system), ECIF (Efficient Customer Information Service), Web Methods service, and Zoot (Third Party Vendor).

Responsible for raising the Queries through testing different initiatives in Stage, Development or Testing Environment and allocation of the same to developers,User Interface Designers and Business Analyst.

Responsible for attending Defects Review Board (DRB sessions) to further discuss Queries, allocate them through different releases and propose solutions to Queries.

Implemented different Test Plans and Test Cases with Quality Assurance Team to prepare strategies for testing of the project.

Developed User Acceptance Testing (UAT) to walk Business through different initiatives to display actual proposed to be system or enhancement applied to system.

Excellent follow up with different teams to get the process on the fast track, to raise the Change in Request to Business Requirements or process.

Experience in data mapping, Data Modeling before executing the queries through SQL.

Environment: Agile, scrum Master, UML/Wireframes/Mockups, Requisite Pro, Rational Rose, Clear Quest, Excel, SQL server.

US BANCORP, PHOENIX, AZ Jun 2007 - Apr 2008

Financial Business Analyst

U.S. Bancorp (NYSE: USB), with $281 billion in assets, is the parent company of U.S. Bank, the 5th largest commercial bank in the United States. The company operates 3,015 banking offices and 5,148 ATM's, and provides a comprehensive line of banking, brokerage, insurance, and payment services products to consumers, businesses and institutions.

Responsibilities:

Worked with the business community to define business requirements and analyze the functional requirements.

Responsible for writing and requirements gathering for Retail banking functions and verifying requirement from SME’s

Responsible for Requirement gathering, Product Management, Business Process flow, mockups through visio, Business Process Modeling and Business Analysis with Document and Records Management

Worked with different stakeholders, cross functional teams and project managers to gather business requirements for Mortgage loan origination process and Collateral Value

Liaison between quantitative analyst and technical analyst to transfer the requirements related to volatility of assets, alpha of assets, simulation models.

Worked with Investment banking department for Fixed Income products and equity research side for computation of coupon rate, Effective Duration, default Rates for BBB Bonds and the stress on Yield curves.

Worked with Investment bankers to define arbitrage free value for Treasury bonds based upon bootstrapping methods through interpolation of available treasury rate curve.

Good experience with analyzing returns on Treasury bills, Treasury Bonds issued By U.S. Govt.

Worked for Portfolio Balancing for client as per his risk tolerance, volatility, return objectives and other constraints.

Involved in developing simulation models to determine the volatility of portfolio.

Involved in Active strategy of Portfolio Mgt. for clients who want to take more risk than Market risk of Market Portfolio

Extensively involved in determining the values for Call options and Put options based upon risk free rate of return

Analysis of securities market and re-balancing portfolio of Calls and puts based upon Put-Call parity equations.

Good knowledge on Basel II standards set forth for managing credit risk and operational risk for Capital

Good analytics on Risk Adjusted Return on Capital (RAROC) based upon Basel II standards on comparative basis to calculate ROI.

Good hands on experience with Vanilla swaps and interest swaps to hedge counter party risk.

Used agile and scrum Master development methods to promote development iterations, team work, collaboration and process adaptability.

Performed Gap analysis

Coordinated with system architects and developers to convert business requirements into system requirements by analyzing equities, credit risk, Assets, Liabilities.

Participated in and contributed to as-Is and To-Be Process Modeling Sessions, and build process models responsible for analysis, SOPs.

Designed and developed Use Cases and UML models using Microsoft Visio.

Analyzed commodities and segregated them into Use Cases. Created Use case diagrams, activity diagrams, Sequence Diagrams using Rational Rose according to UML methodology.

Facilitated JAD sessions with management, users and other stakeholders to define the project and to reduce the time frame required to complete deliverables.

Maintained various versions of the documents generated during the project using Rational Clear Case.

Designed and implemented basic SQL queries for QA testing and report/ data validation.

Performed UAT and participated in writing test plans, and developed different testing strategies like Black Box testing, and Load runner testing.

Nice skills in Business process modeling and change Management

Analyzed test results and reported the necessary corrective actions.

Responsible for managing the documented System Requirements and Requirements Traceability Matrix using Rational Requisite Pro.

Environment: Agile, scrum Master, UML, Requisite Pro, Rational Rose, Clear Quest, SQL, Doors, SQL Server

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