Business Analyst Systems
Resume:
Sebastian Jose
Senior Business Analyst
*********.*****@*****.***
PROFESSIONAL SUMMARY:
8+ years of experience as a Business Systems Analyst in the Banking and Finance Industry, adept at transforming complex business requirements into actionable technical specifications and solutions.
Deep experience in business data modeling, software requirement analysis, and process modeling using diverse methodologies, including Object-Oriented Analysis (OOA) and Object-Oriented Analysis and Design (OOAD), ensuring the development of efficient and scalable systems.
Skilled at translating high-level business needs into detailed, clear, and concise technical specifications using Unified Modeling Language (UML) with tools like Rational Rose and MS Visio for process flow, system architecture, and design diagrams.
Adept at writing User Stories, prototypes, acceptance criteria, and comprehensive business requirement documents (BRDs), ensuring a clear understanding between stakeholders and development teams and leading to successful project deliveries.
Proven track record in the implementation of Internet/Web-Based Banking Applications, including the design, development, and deployment of systems that enhance user experience and streamline banking operations.
Strong ability to collaborate with cross-functional teams, including business users and IT professionals, to integrate data warehouses, Oracle Business Intelligence (OBIEE) modules, Oracle E-Business Suite, and other critical financial systems for seamless and efficient operations.
Adept at ensuring compliance with industry standards and regulations, including SOX compliance, Basel III, and Consolidated Audit Trail (CAT) regulatory requirements, ensuring that all systems adhere to both financial and operational controls.
Comprehensive knowledge of banking and finance fundamentals, including an understanding of capital markets, equities, financial databases, and core banking services, allowing for deep insights into financial operations and system requirements.
Expertise in Core Banking Systems, with a focus on Retail and Commercial banking, offering expertise in products, policies, procedures, and regulatory frameworks that govern these systems.
Domain experience in Financial Budgeting, Insurance, Mortgage, Risk Management, Disaster Recovery, and Loan Pricing, with a focus on enhancing financial processes, ensuring risk management practices, and optimizing financial workflows.
Knowledgeable in the Commercial Lending Systems space, specifically with systems such as Loan IQ, including in-depth understanding of the Consumer Lending Process and its integration within core banking systems.
Extensive experience in migrating commercial lending processes from legacy platforms (like AFS) to modern, scalable solutions like Loan IQ, with a primary focus on servicing and credit risk management processes.
In-depth knowledge of Money Market Instruments such as Fixed Income, Treasury Bills, Bonds, Commercial Papers, and Notes, supporting the organization's decision-making on investments and risk management strategies.
Solid background in processing transactions in the Automatic Clearing House (ACH) system, Credit Cards, Check Processing, Third-Party Payments, and European payments, ensuring smooth transaction flows within banking systems.
Expertise in implementing, enhancing, and maintaining CPCS Infrastructure that supports mainframe and distributed platforms, ensuring the seamless integration and functionality of mission-critical systems.
Detailed understanding of key banking operations like Deposits, Clearing Processes, Fraud Detection, Time Deposit Management, Reg D Rules, and Cash Pooling, optimizing workflows and minimizing financial risk exposure.
Thorough understanding of financial concepts such as Portfolio Management, Bond Pricing, Risk Analysis, Asset Allocation, Stock Valuation, Amortization, Cash Flows, and Capital Management, ensuring that financial models and systems accurately reflect the business’s needs.
Extensive experience in Data Profiling, Data Migration, and Data Integration, ensuring the accurate flow and transformation of business data across systems, from legacy to modern platforms, while maintaining data integrity.
Strong experience working with Metadata Management Services, ensuring the correct categorization and organization of business data to enable better insights, improved reporting, and faster decision-making.
Expertise in integrating SOAP APIs for seamless data exchange between source and target systems, creating and executing SOAP test cases to ensure that data flows correctly and securely across all systems.
Hands-on experience in managing KYC (Know Your Customer), AML (Anti-Money Laundering), and CIP (Customer Information Profile) data for compliance, ensuring that critical customer data is correctly stored, managed, and made available for audits, reporting, and risk analysis.
Proven ability to analyze banking conversions and integration touchpoints to identify gaps and optimize processes, ensuring smooth transitions during the implementation of Internet/Web Banking solutions.
Proficient in using Tableau for data visualization and analysis, with experience in managing the Tableau Server on AWS, ensuring secure access and optimizing performance using AWS IAM, Direct Connect, and security groups.
Strong understanding of Risk Analysis and experience working with complex financial instruments and market data to evaluate securities (stocks, bonds, etc.), assess portfolio risks, and conduct comprehensive financial modeling for portfolio and asset management.
Deep expertise in working with QA teams to create comprehensive test plans for User Acceptance Testing (UAT), functional, integration, regression, and performance testing, ensuring that all business requirements are met, and system behavior aligns with stakeholder expectations.
Proficient in Agile Project Management using tools like TFS, JIRA, SCRUM, and MS Project, enabling efficient management of development cycles and ensuring timely delivery of high-quality systems.
Hands-on experience with Data Warehousing Concepts and Web Design/Development, which plays a critical role in ensuring that data is effectively integrated, tested, and optimized for business use.
Skilled in creating and executing test scenarios to verify data integrity, system functionality, and overall performance, particularly in complex financial applications.
Experienced in integrating financial systems with external systems and tools, managing corporate actions, entitlement calculations, and performing reconciliations through platforms like SWIFT.
Expertise in Cost-Benefit Analysis, P&L Analysis, and other financial assessments, supporting key decisions around system implementations, business investments, and financial optimizations.
Education: Bachelor's Degree in Science, Long Island University Brooklyn, NY. Year of Graduation: 2013
PROFESSIONAL EXPERIENCE:
General Atlantic, New York, NY
Senior Business Analyst March 2023 - Present
Responsibilities:
Assisted the project manager in identifying the project scope, creating the project plan, and defining in-scope and out-of-scope items, ensuring clear understanding of deliverables.
Facilitated brainstorming sessions, JAD (Joint Application Development) sessions, and all-day working sessions for requirements gathering. This led to the successful completion of requirement analysis for the Loan Origination System (LOS) project and the Compliance Engine project.
Prepared comprehensive Requirements Documents, Use Cases, BRDs (Business Requirements Documents), and FRDs (Functional Requirements Documents), ensuring that all stakeholder requirements were well-documented and traceable.
Worked with consultants to enable General Ledger (GL) translation. This included creating and executing GL allocations, re-stating ledger balances, updating ledger configurations, researching and resolving issues, and implementing fixes in the production environment.
Designed and created T-SQL objects such as tables, views, joins, and stored procedures to meet the client’s functional and technical requirements for data handling.
Wrote Functional Specifications for a large domestic fixed-income system, focusing on trade lifecycle, risk management, and compliance, with emphasis on processes in the capital markets domain.
Worked extensively on risk analysis, securities (stocks and corporate bonds) and their valuation, portfolio management, asset allocations, bond pricing, and amortization processes.
Managed and analyzed international and domestic wire transfers, ACH (Automated Clearing House) transactions (single and batch), tax payments, social security payments, bank cheque payments, SEPA credit transfers, and direct debits to ensure accuracy and compliance with banking regulations.
Contributed to enhancing the existing online banking application by improving its GUI (Graphical User Interface) to ensure user-friendliness and improve the overall customer experience in handling personal accounts, balances, payments, and fund transfers.
Performed extensive vendor management activities, especially handling relationships with Oracle EBS Financials and other third-party Oracle partners, ensuring smooth collaboration and issue resolution.
Analyzed data stored on mainframe systems and SQL Server databases, focusing on fraud detection, trade validations, and ensuring data accuracy in the context of capital markets.
Performed detailed API documentation using the Swagger tool, and executed API testing using the SOAP UI tool to ensure seamless integrations and system stability.
Prepared detailed Test Plans for manual, system, integration, performance, and regression testing for the EMPOWER/Loan Sphere LOS, ensuring consistency with the business requirements.
Re-engineered business process descriptions, use cases, and workflow analyses, collaborating with architects and business analysts during sprint meetings to test assumptions and develop user stories.
Analyzed SWIFT and MQ Series data volumes for data mapping purposes, ensuring proper financial message transactions, such as letters of credit and payments, between member banks worldwide.
Worked closely with auditors on annual reviews of Oracle controls and transactional system reconciliations to the general ledger, ensuring financial integrity and compliance with regulations.
Participated in upgrading the banking system to Check 21, including working on CPCS (Check Processing Control System) releases, PTF (Program Temporary Fix) upgrades, and Image Archive and Image Exchange applications.
Utilized Oracle BI (OBIEE) to pull data from the Data Warehouse, supporting forecasting and monthly analysis for plan variances, helping to align business objectives with financial forecasts.
Collaborated with UI/UX teams to ensure a seamless and user-friendly experience during the design and implementation of online payment workflows, accounting for both current and future state accounting workflows.
Managed project issues, risks, and action items, creating issue logs, risk logs, and decision logs to track and mitigate project risks effectively.
Handled daily maintenance and support for CPCS, dealing with Cobol, Assembler, IBM SCI/CS, CICS, and DB2 interfaces to ensure system reliability and uptime.
Coordinated analysis and resolution of payments, invoices, and expense reports, collaborating with financial officers to ensure accurate financial data reporting from the R12 Oracle Finance and HR systems.
Employed Agile SDLC methodology using Scrum and tools like Scrum Work Pro and Microsoft Office to manage project timelines and resources efficiently.
Led the migration of a legacy Mainframe system to a Java-based application, ensuring smooth data transition and application functionality for capital markets.
Conducted ACH transmissions testing for various banks, optimizing processing time and reducing bank fees by consolidating multiple accounts into one transmission.
Tested migration data from two Oracle instances to one, validating the integrity of the data and ensuring a smooth system migration.
Focused on data storage considerations, creating databases using SQL Server Management Studio and writing SQL statements and stored procedures to improve system performance.
As Test Manager, created test cases, reviewed them with clients and developers, and managed defect tracking and resolution using HP Quality Centre.
Engaged with clients to create UAT scripts, ensuring thorough testing alignment with business requirements, facilitating successful project outcomes.
Scotiabank, NYC, NY
Business Analyst April 2021 – February 2023
Responsibilities:
Collected business requirements from business users, providing appropriate project scope for the technical team to develop prototypes and the overall system.
Created BRD, and FRD using JAD sessions, and utilized UML for Business Process Modeling, including Use Cases, Activity Diagrams, and Wireframe prototypes, documented in Microsoft Visio.
Created a development plan for the overall project, including the coarse-grained project plan, showing iterations and evaluation criteria for each iteration.
Dealt with Society for Worldwide Interbank Financial Telecommunication (SWIFT) in creating the criteria for the auditing of the TQR and Q-Gate review processes.
Gathered requirements with SMEs to obtain detailed information about work streams, including Mortgage Servicing, Loan Monitoring, and Asset Management.
Participated in team marketing events and training seminars to enhance awareness and visibility of Wealth Management services within the capital markets sector.
Worked with Subject Matter Experts (SMEs) to identify high-level requirements related to Asset Management and Wealth Management processes.
Documented technical compatibility by gathering detailed requirements to align with the client's platform specifications for Loan IQ, ensuring seamless integration and optimal loan management processes.
Created defect tracking using HP QC and JIRA and reviewed them in subsequent iterations of the application development process.
Conducted analysis and modifications within the Loan IQ system to address process flow corrections and improve operational efficiency.
Responsible for gathering requirements from SMEs and primary users such as underwriters and payments departments to update premium collection procedures and Automatic Clearing House (ACH).
Interacted with different Lines of Business to monitor Fraud transactions and created a centralized repository (Base View) for all AML/Fraud transactions including ACH passing through various channels (Web, Paper, Phone, etc.).
Involved in creating technical writing communication strategies related to MOUs, SOPs, RFPs, BRDs, FRDs, Grants, SLAs, and NDAs.
Coordinated the mainframe update of mid-day processing and the backend DB2 database.
Worked comprehensively with Requirement Gathering for Fixed Income Trading Systems, producing initial requirement data to create User Interface and Business Process Requirements.
Assisted in the administration and review of Client Risk Scoring, Client Identification, and KYC documentation oversight/management requirements.
Verified that all aspects of the Client Identification Program (CIP) and necessary account opening documents were provided in compliance with Know Your Customer (KYC) and Bank Secrecy Act (BSA) standards.
Analyzed KYC data to understand attributes, schemas, and data structures, collaborating with UI/UX teams to ensure data presentation is intuitive and accessible for end users.
Performed debt-sizing and due diligence underwriting for commercial mortgage loans within the Loan IQ system.
Prepared Loan-to-value and DSCR calculation test cases, test scenarios, and executed them in ACBS and other satellite systems.
Analyzed SWIFT and MQ Series data volumes to derive data mapping, operating the SWIFT messaging service for financial messages like letters of credit, payments, and securities transactions between member banks worldwide.
Viewed holdings in the portfolio in terms of market risks such as equity, fixed income, currency, commodities, etc., driving Value at Risk (VaR) for equities.
Responsible for CPCS conversions and release upgrades servicing several financial institutions in the US, ensuring compliance with CAT Regulatory requirements within capital market operations.
Involved in improving the filtering efficiency of transaction screening for incoming and outgoing messages, including ACH & Anti-Money Laundering (AML).
Conducted intensive data analysis over in-scope databases and created various coverage documents to support the project initiation phase.
Created AS-IS and TO-BE business process flow diagrams, integrating process flow diagrams to show end-to-end business models and business process mapping, including swim lanes.
Collaborated with UI/UX, API, and system teams to support development initiatives and leveraged knowledge of APIs involved.
Responsible for conducting assessments of data quality within compliance processes like AML.
Documented testing objectives for surveillance alert generation within the capital markets domain, identifying gaps, emerging needs, and redundancies to enhance system effectiveness.
Actively participated in various aspects of the Scrum framework within the Loan IQ implementation, including sprint planning, daily stand-ups, sprint reviews, and retrospectives.
Participated on the technical and business team responsible for implementing and supporting Mainframe IBM Image processing and CPCS upgrade solutions for large banking institutions in Canada. Additionally, installed IPD distributive platforms and CPCS components to support them and worked as a testing analyst during these upgrades, performing business analyst tasks for unit and integration testing.
Documented functional specifications for OFAC (Office of Foreign Assets Control) and AML (Anti-Money Laundering) requirements under BSA (Bank Secrecy Act).
Created Use Case Diagrams, Activity Diagrams, Sequence Diagrams, and ER Diagrams in MS Visio. Reports were displayed and derived using .NET technology (ASP and VB), Crystal Reports, AS 400, SQL, and Excel spreadsheets.
Participated in internal banking audit initiatives, including OFAC compliance, gathering and verifying data stream flows end-to-end through FIS/Metavante, ACH, and Lock-box application platforms.
Wrote complex SQL queries using joins, sub-queries, and correlated sub-queries to retrieve data from the database.
Facilitated all aspects of the Scaled Agile Framework (SAFe), sprint planning sessions, backlog grooming sessions, daily scrums, product demos, sprint reviews, and retrospectives.
Created data migration mapping documents after finalizing attributes and tables with business users to ensure smooth data transfer and integrity during the migration process.
Ensured the compatibility of new business requirements with the existing system infrastructure and developed testing scenarios to assess system functionality under different conditions and developed acceptance criteria.
Facilitated User Acceptance Testing (UAT) with Subject Matter Experts (SMEs) and assisted in functional testing, integration testing, and system testing processes.
Union Bank, San Francisco, CA
Business Analyst December 2019 – March 2021
Responsibilities:
Collaborated with project sponsors to define the project scope and vision, focusing on the integration and implementation of Loan IQ to streamline loan management and enhance operational efficiency.
Worked in several aspects of SDLC, including requirements definition, use case development, testing, documentation, and user training.
Prepared the Business Requirement Document (BRD) and Functional Requirement Documents (FRD) by conducting meetings with customers, sponsors, and analyzing the gathered requirements.
Involved in developing workflow diagrams, flow charts, and Data Flow diagrams for structuring/modeling the ACH business flow using MS Visio.
Interacted with Subject Matter Experts (SMEs) and stakeholders to elicit business requirements for product change requests and enhancements, participating in requirements prioritization.
Managed requirement specifications using IBM DOORS and guided product feature teams by reviewing deliverables and resolving subject matter issues during the delivery of requirements.
Responsible for the functional design of UI and Backend stories for Loan IQ, creating and executing SQL queries for data validation and extraction, and developing data mapping documentation.
Worked closely with Portfolio Management and analysis, focusing on fixed income trading.
Performed all database testing for transactions such as cash-out, deposits, transfers, and account inquiries on NB (STM-Store Teller Machine) using Dibs and SQL.
Worked on ACH Transfers, EDI Transfers, Data Mapping, and Integration between ERP and major Customer/Billing systems and multiple external systems.
Created processes to streamline the conversion and new plan set-up process by developing Standard Operating Procedures (SOPs), ensuring adherence to CAT Regulatory compliance standards in capital market operations.
Successfully conducted Rapid Application Development sessions (RAD) and Joint Application Development sessions (JAD) for the development of a working prototype for decision support.
Used AWS Command Line Client and Management Console to interact with AWS resources and APIs.
Decomposed high-level requirements and developed use cases, functional, and non-functional requirements for the integration and customization of the Loan IQ system to meet business needs and enhance loan management processes.
Translated high-level requirements into functional and technical user stories in JIRA.
Worked closely with the Enterprise Data Warehouse team when new fields were added to the Branch Teller application.
Collaborated with the development team and testers to create a comprehensive set of project artifacts for Loan IQ, ensuring alignment with business requirements and technical specifications for the web-based application.
Wrote test cases after validating test scenarios with the lead developer and product owner.
Facilitated the scrum by resolving impediments and conflicts among team members, ensuring good velocity as Scrum Master.
Worked with the Teller team to manage cash/checking deposits, issuing official checks, money orders, gift cards, traveler's checks, and cash advances, integrating Loan IQ for seamless loan-related financial transactions and tracking.
Coordinated with other business analysts to assist with data mapping and data extraction to the data warehouse using ETL tools.
Assisted with System Testing, Regression Testing, Integration Testing, and Smoke Testing with the other Business Analysts and the Quality Assurance team.
Authored the Sprint burn-down charts, sprint task list, and Release burndown chart for the project through VersionOne.
Involved in analyzing defects reported in JIRA and sending them to developers for fixes.
Communicated with management, engineers, product managers, and support specialists for product issues.
Tracked and communicated team velocity and sprint/release progress effectively.
Enacted and facilitated changes and continuous improvements, increasing the productivity of scrum teams and the quality of deliverables.
Responsible for creating test cases for the Remote Deposit Capture and Desktop Deposit Application in HP Quality Center and used QC to track and manage the entire test documentation.
Utilized VersionOne for managing data migration documents, team collaboration, hours allocation, document commits, sign-offs and approvals, and milestone completions to ensure a smooth and efficient data migration process.
Reviewed the developed solution documentation and authored basic User Guides and help files to aid in end-user training and support.
Budgeted time and cost, performed UAT testing, and implementation, and coordinated with various involved teams (GL integrity team, GL ref data team, Business and Legal Entity Controllers).
Fremont Bank, Fremont, CA
Business Analyst July 2017 – October 2018
Responsibilities:
Conducted and participated in JAD sessions with stakeholders and system users to collect the software requirement specifications (SRS).
Generated a streamlined process to understand the various steps in the loan lifecycle and desired functionality of the new system by interacting with users, management, SME (Subject Matter Expert), stakeholders, lenders, and underwriters.
Interviewed business users to gather requirements and analyzed the feasibility of their needs by coordinating with the project manager and technical lead.
Maintained a SharePoint application where client data could be stored and accessed enterprise-wide for enhanced due diligence by AML personnel, periodic due diligence reviews, account number generation by the New Accounts department, report generation, and other inquiries made over the life of the client relationship.
Facilitated JAD/JAR sessions with SMEs, business owners, and business users to gather and document requirements for the database integration project and Mobile App development.
Provided gap analysis between business requirements and ACBS upgrade Release Note.
Documented BRD, FRD, Meeting Minutes, Application Documents, FAQs, SOPs & Training Manuals.
Responsible for system testing the ALS to AFS automated file conversion programs.
Worked with the full SDLC, eliciting, analyzing, and defining requirements, adding much efficiency to the delivered upgrade scripts and steps. These conversions involved multiple software applications (General Ledger, Accounts Payable, Accounts Receivable, Purchasing, Inventory, and Fixed Assets) across many databases.
Identified, researched, investigated, analyzed, and defined opportunities for business process improvement, documented business processes, and initiated efforts to make improvements.
Involved in documenting the REST APIs and SOAP web services with the URI and description of methods.
Regularly held sessions with Lines of Business (LOB) to document, implement, and maintain the metadata and business rules for the bank's data, beginning with the data required for CCAR.
Contributed to the definition of scope, performed extensive requirement analysis, and defined functional specifications.
Prepared Use Cases, Activity Diagrams, Sequence Diagrams, and Class Diagrams according to the UML methodology.
Maintained continuous communication with the team to track requirements on the rally and discuss fixing defects with JIRA tools, and corrected lessons learned from each sprint.
Wrote SQL to verify and validate those results matched the reference data being provided.
Used RUP methodology to analyze and translate business requirements into system specifications, communicating with the business on a broader scale and with an in-depth view.
Used Rational Rose and UML to produce models like context, use case, sequence, and activity diagrams, incorporating data migration requirements and workflows to ensure accurate data transfer and integration.
Used ClearCase to keep different versions of the documents and ClearQuest to report bugs or defects.
Assisted the PM in setting realistic project expectations and evaluating the impact of changes on the organization, planning accordingly, and conducting project-related presentations.
Assisted in designing test plans, test scenarios, and test cases for integration, regression, and user acceptance testing (UAT) to improve the overall quality of the application.
Fulton Bank, Lancaster, PA
Business Analyst February 2016 – June 2017
Responsibilities:
Involved in designing the workflow of the existing SWEEP process and Money Market transactions for Retail accounts, High Net Worth (Institutional), and Prime Brokerage accounts.
Performed the Analysis & Design workflow for same-day/next-day/zero-day trade settlement systems by following the Rational Unified Process (RUP), including modeling the pre-defined business requirements with Rational Rose/XDE to document Business Use Cases, System Use Cases, and creating Process Scenarios.
Successfully conducted JAD sessions, which helped synchronize the different stakeholders on their objectives and provided developers with a clear understanding of the project.
Created accounting requirements (BRD) for multiple Core Banking tracks, including Deposits, Trade Finance, and Loans.
Acted as the main Point of Contact (POC) in a broker-dealer environment with Outside Money Market Vendors to discuss requirements and facilitate technical compliance on their end.
Conducted detailed Requirement and Gap Analysis by interacting with business users, understanding their business processes, and analyzing their current IT architecture.
Conducted one-to-one sessions with subject matter experts to understand the current transaction system and analyzed and documented the future transaction processing system.
Used MS Project for requirement management.
Worked on all phases of the System Development Life Cycle (SDLC), necessary procedures for requesting, developing, implementing, and supporting the system development process.
Primarily focused on SQL work, navigating within the databases.
Used HP-QC for tracking defects and fixing issues during testing.
Gained strong experience working with the agile lifecycle, and/or tracking and process management tools like Rally and JIRA.
Worked with the in-house construction team to complete the second and third iterations of the Rational Unified Process (RUP).
Tracked and identified project issues and obtained resolutions by understanding business needs, risks, and defining out-of-scope requirements.
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