Business Analyst Regulatory Reporting

Pallavi R Naik, Business Analyst

Phone: +1-980-***-**** // ************@*****.***

Professional Summary:

Results-oriented Business Analyst with over 12+ years of progressive experience in the Banking & Financial Services industry, supporting mission-critical initiatives across Retail Banking, Wealth & Investment Management (WIM), Commercial Lending, ESG Investing, and Compliance (AML/KYC/CDD).

Proven track record in leading digital transformation and cloud modernization projects, including legacy system migration to Google Cloud Platform (GCP) & AWS Cloud, resulting in cost savings, enhanced scalability, and real-time regulatory reporting.

Specialized in AML-KYC Compliance, Basel II/III Regulatory Reporting, SOX & CCAR readiness, and Client Due Diligence (CDD/EDD) processes across global banking platforms, aligning with standards like FinCEN, OFAC, FATCA, SFDR, and MiFID II.

Expertise in Business Requirements Elicitation, Process Re-engineering, and creation of BRDs, FRDs, Use Cases, User Stories, Wireframes, and RTMs, ensuring comprehensive documentation aligned to stakeholder expectations and compliance guidelines.

Adept in Data Governance, Data Mapping, and ETL pipeline validation, using tools like SQL, SAP HANA, DBVisualizer, MySQL, and Excel to ensure data integrity, lineage, and audit traceability across risk & regulatory systems.

Hands-on experience with RSA Archer GRC, Yardi Voyager, and Innovest (PetroData) for managing enterprise risk, trust accounting, tax reporting, and operational loss tracking within WIM and Trust Real Estate domains.

Deep experience in Agile (Scrum) environments, facilitating backlog grooming, sprint planning, UAT execution, and cross-functional collaboration using JIRA, Confluence, Visio, and SharePoint.

Strong command of Data Visualization & BI Tools, including Tableau, Power BI, and Excel, used to develop compliance dashboards, risk heat maps, KYC metrics, and operational KPIs for executive and regulatory reporting.

Delivered large-scale ESG data initiatives for London Stock Exchange Group (LSEG), supporting ESG Data Onboarding, Index Construction, and SFDR/TCFD Disclosures through centralized IDPS Platforms in alignment with sustainability frameworks and ESG scoring taxonomies.

Led Cloud-native regulatory and risk data transformations on GCP BigQuery, AWS Lambda, ADLS Gen2, and Databricks, leveraging ETL automation, Delta Lake, and Spark Streaming for scalable data processing in compliance with Basel III, Dodd-Frank, and AML regulations.

Played critical roles in FX Front Office transformation for Wells Fargo, engaging with Sales & Trading desks to redesign global trading platforms, automate compliance workflows, and support MiFID II and Dodd-Frank mandates.

Designed and implemented automated dashboards and internal tools for AML-KYC reporting, handling high-risk customer analysis, PEP/OFAC screenings, onboarding cycle audits, and compliance approvals.

Demonstrated leadership in production issue triage, vendor coordination, PAC2000 ticketing, and post-production stabilization, supporting wealth systems like WMTRE, WMTOG, and Trust Real Estate applications.

Built and managed compliance workflows around control design assessment, regulatory findings, and risk acceptance in GRC platforms, ensuring full audit compliance and SLA adherence.

Strong background in mentoring junior team members, coordinating with offshore teams, and managing stakeholder relationships with Line of Business (LOB), Legal, Risk, Compliance, and Technology divisions.

Education:

Bachelor of Engineering (Computer Science), B.M.S.I.T., Bangalore VTU.

CAMS & AWS Certification

Yale Leadership Program: Leading with Power and Influence

Tableau Level 1

NSE Capital Markets (Level 1 & 2)

Accenture Banking Industry Generalist

HP QTP/LoadRunner/Quality Center

Technical Skills:

Project & Agile Tools:

JIRA, Confluence, Visio, SharePoint, SDLC Tracker

Documentation:

BRD, FRD, Use Cases, RTM, Process Flows, Wireframes, User Stories

Domains & Regulations:

Retail Banking, Commercial Lending, Wealth & Investment Management, ESG, AML/KYC/CDD, Basel II/III, SOX, MiFID II, Dodd-Frank, FATCA, TCFD, SFDR

Testing & QA:

UAT, Test Case Design, Defect Triage, Quality Center, LoadRunner, QTP

Compliance & GRC Tools:

RSA Archer GRC, Yardi Voyager, Innovest/PetroData, AML-KYC Platforms, PAC2000

Data Management & ETL:

SQL, SAP HANA, MySQL, PL/SQL, ETL Pipelines, Data Mapping, Data Governance, Delta Lake, Spark Streaming

BI & Reporting Tools:

Tableau, Power BI, Excel, Custom Dashboards

Cloud Platforms:

Google Cloud Platform (GCP), AWS Cloud, AWS Lambda, ADLS Gen2

Programming Languages:

Core Java, Multithreading, JDBC, Hibernate, Design Patterns

Professional Experience:

Randstad Technologies

Client: Wells Fargo Sept 2024 – Dec 2024

Role: Business Analyst

Project Description: Engaged in a strategic digital transformation initiative aimed at modernizing Wells Fargo’s financial and compliance infrastructure by migrating legacy risk and regulatory reporting systems to Google Cloud Platform (GCP). The project supported enterprise-wide data governance, enhanced transparency for Basel II/III reporting, and optimized risk aggregation and stress testing in compliance with federal mandates.

Key Responsibilities:

Designed and delivered a cloud-first regulatory reporting solution supporting Basel stress testing, liquidity risk analysis, and capital adequacy assessments for Retail and Commercial Banking portfolios.

Collaborated across business and IT to elicit and document business requirements, user stories, BRDs/FRDs, and data mapping rules—bridging the gap between product features and regulatory needs in AML/KYC/CDD workflows.

Supported migration of high-volume transactional datasets (Retail Deposits, Credit Portfolios, Wealth & Investment Accounts) from legacy databases to GCP’s BigQuery and Data Lake architecture, improving query performance and regulatory insight turnaround time.

Led UAT execution and test scenario creation, validating data pipelines and business rules for end-to-end AML screening, sanctions checks, and customer due diligence (CDD) case triggers.

Performed detailed SQL-based data analysis and validation for OFAC/PEP watchlist integration, enabling faster triage of flagged retail and investment accounts.

Partnered with Legal and Compliance teams to align the system functionality with regulatory frameworks including Dodd-Frank, CCAR, and Know Your Customer (KYC) protocols.

Utilized Tableau dashboards to visualize compliance KPIs, alert volumes, and SLA adherence across risk operations and back-office case management.

Conducted stakeholder interviews and risk workshops to prioritize regulatory epics, map AML/CFT workflows, and define audit traceability for suspicious activity reporting.

Collaborated using JIRA and Confluence for backlog management, sprint tracking, and traceability matrix documentation within an Agile (Scrum) SDLC environment.

Environment: GCP, SQL, JIRA, Confluence, Tableau, Agile (Scrum), SDLC, Data Governance, Basel Reporting.

Synechron Technologies

Client: Wells Fargo – Archer GRC Mar 2023 – Nov 2023

Role: Business Analyst

Project Description: Supported Wells Fargo’s Strategic Human Risk Platform (SHRP) enhancement within the Enterprise Risk & Compliance (ERC) function using RSA Archer GRC. The initiative focused on compliance risk management, regulatory tracking, and data governance to align with Basel III, AML/KYC, and SOX standards across business units.

Key Responsibilities:

Acted as a bridge between business stakeholders and technology teams to gather, document, and translate complex business and compliance requirements into functional solutions on the Archer platform.

Collaborated with Line of Business (LOB) stakeholders from Retail Banking, Commercial Lending, and Wealth & Investment Management to identify control gaps, define remediation workflows, and track regulatory findings.

Conducted impact/gap analysis on legacy GRC components and proposed enhancements to improve regulatory data coverage across AML monitoring, Customer Due Diligence (CDD), and Enhanced Due Diligence (EDD) modules.

Defined and maintained BRDs, FRDs, user stories, RTMs, and data flow diagrams to support change requests and newly implemented Archer GRC use cases.

Led UAT test case creation, execution, and defect triage for modules related to regulatory compliance, audit findings, risk acceptance, and control design assessment.

Partnered with engineering teams on AWS Cloud migration for File Services and modernized data pipelines to support scalable risk and compliance reporting.

Conducted data quality checks, tracked data integrity issues, and worked closely with data stewards to define rules for critical compliance datasets.

Monitored and resolved compliance red flags and Archer system exceptions tied to risk thresholds, operational loss events, and regulatory breaches.

Created and maintained compliance dashboards and risk heat maps using Tableau and Excel, enabling visibility into control effectiveness, overdue issues, and risk exposure across lines of business.

Facilitated JIRA backlog grooming, sprint planning, and stakeholder demos in an Agile Scrum setup, aligning risk technology deliverables with broader regulatory transformation goals.

Environment: RSA Archer GRC, AWS Cloud, JIRA, Confluence, SQL, Tableau, Excel, Agile (Scrum).

Client: London Stock Exchange Group (LSEG) Apr 2021 – Mar 2023

Role: Business Analyst / Product Owner

Project Description: Contributed as a Business Analyst and functional Product Owner within LSEG’s Sustainable Investment division, focused on building the Integrated Data Processing System (IDPS) — a centralized ESG data platform for ingesting, standardizing, and managing sustainability scores and non-financial disclosures from multiple vendors. The data served as a critical input for FIMA (Fixed Income Multi-Asset) indices, driving ESG-aligned investment decision-making for institutional clients and supporting compliance with evolving regulatory frameworks like SFDR, TCFD, and ISSB.

Key Responsibilities:

Acted as primary liaison between business stakeholders, ESG research analysts, and engineering teams to translate sustainability metrics, vendor-specific scoring models, and disclosure standards into functional and non-functional requirements for ESG data onboarding pipelines.

Conducted detailed gap analysis and business process mapping for integrating ESG data across multiple asset classes (Equities, Fixed Income), ensuring alignment with index construction logic, taxonomy frameworks, and regulatory disclosures under SFDR and TCFD.

Defined and documented BRDs, FRDs, User Stories, and Acceptance Criteria using JIRA and Confluence, covering ESG data mapping rules, file delivery protocols (MFT), and exception workflows within the ESG scoring pipeline.

Facilitated requirement workshops with cross-functional teams (Legal, Compliance, Risk, Data Ops) to establish controls for data lineage, accuracy, timeliness, and completeness of ESG metrics feeding into capital market indices.

Partnered with the Data Engineering team to validate business rule implementation in ETL pipelines, ensuring that vendor data transformations adhered to LSEG’s proprietary scoring methodologies and classification logic (e.g., sector-relative ESG scoring).

Conducted SQL-based validation and post-load QA in SAP HANA to reconcile ingested ESG scores with vendor raw files; raised and tracked data quality issues, root cause analysis, and remediation status.

Led the MFT provisioning and onboarding coordination with external ESG vendors (e.g., MSCI, Sustainalytics, Refinitiv) and academic partners to ensure secure data exchange and SLA compliance.

Oversaw HRF UI exception workflows, enabling research analysts to resolve anomalies in ESG scores (e.g., missing disclosures, score outliers, data conflicts) through intuitive review screens.

Played a key role in Agile delivery ceremonies (sprint planning, backlog grooming, retrospectives), ensuring iterative delivery of ESG product features and enhancements, while maintaining stakeholder alignment and sprint-level traceability.

Collaborated with downstream teams using the ESG data for FIMA index modeling, risk factor exposure analysis, and investor reporting, aligning ESG initiatives with investment strategies and market transparency standards.

Environment: JIRA, Confluence, SQL, SAP HANA, AWS, Visio, MS Excel, Agile Scrum.

Client: Wells Fargo Feb 2019 – Oct 2020

Role: Business Analyst

Project Description: Supported post-production stabilization, enhancement delivery, and regulatory reporting readiness for Wells Fargo’s Wealth & Investment Management (WIM) business lines, focusing on Real Estate, Oil & Gas, and Loan Trust Asset Classes through vendor platforms Yardi and Innovest (PetroData). Played a key role in ensuring operational integrity, tax reporting accuracy, and system usability for Wealth Trust Real Estate (WMTRE) and WMTOG applications during the critical stabilization phase.

Key Responsibilities:

Partnered with line of business stakeholders, including Trust Officers, Asset Managers, and Operations Teams, to triage and resolve over 300+ post-production issues in the Yardi vendor system, supporting asset servicing, transaction tracking, and tax event automation for Trust Real Estate and Oil & Gas portfolios.

Conducted detailed data profiling and validation using SQL, enabling structured analysis of real estate and mineral rights data for readiness in ETL pipelines and downstream tax reporting processes.

Authored and maintained data dictionaries, mapping documents, and requirement traceability matrices (RTMs) to support data standardization and reporting alignment across WMTRE and WMTOG business workflows.

Logged and tracked critical vendor issues (PAC2000), coordinated daily with Yardi and Innovest support teams to reproduce, document, and escalate high-priority defects, ensuring quick turnaround aligned with SLA timelines.

Facilitated User Acceptance Testing (UAT) and production validations with Wealth Management business users, creating detailed test cases, validating fixes, and documenting issue resolutions in SharePoint and SDLC Tracker.

Supported tax reporting initiatives by ensuring upstream real estate and loan data integrity was maintained for year-end 1099 and trust accounting reports, contributing to audit readiness and compliance with IRS trust reporting standards.

Participated in Agile ceremonies including daily stand-ups, sprint reviews, and backlog grooming, ensuring stakeholder feedback was quickly translated into actionable change requests.

Acted as a liaison between IT and Business, clarifying enhancement requests, translating functional gaps into technical requirements, and supporting solution delivery in coordination with third-party vendors.

Led knowledge-sharing sessions and provided guidance to junior team members on issue triaging, testing procedures, and business context, contributing to improved team efficiency and knowledge continuity.

Environment: SQL, Yardi Voyager, Innovest/PetroData, SharePoint, PAC2000, SDLC Tracker, UAT, Excel, Agile.

KFORCE INC

Client: Wells Fargo Sep 2017 – Dec 2018

Role: Business Analyst

Project Description: Led business analysis and compliance enablement for the re-engineering of Wells Fargo’s global Foreign Exchange (FX) Front Office Trading Platform, supporting institutional trading desks across North America, EMEA, and APAC. The initiative focused on enhancing trade execution workflows, aligning with MiFID II and Dodd-Frank regulatory mandates, and improving audit trail visibility, trade reporting, and sales desk performance.

Key Responsibilities:

Acted as the primary business liaison between the FX Sales & Trading desks and the technology delivery teams, working closely with traders in Charlotte and NYC to analyze existing pain points, prioritize feature enhancements, and improve straight-through processing (STP) for interbank and client trades.

Facilitated daily Agile/Scrum ceremonies, clarifying business logic for FX Spot, Forwards, NDFs, and Swaps, and tracked sprint velocity using JIRA while managing cross-functional collaboration with QA, Dev, and product teams.

Created detailed Use Cases, BRDs, and FRDs, documenting happy paths, alternate flows, and exception scenarios for high-priority FX functions including trade blotters, rate publishing, settlement scheduling, and counterparty booking workflows.

Defined business rules for regulatory triggers (e.g., trade capture > $10M, restricted currency pairs, or dual confirmations) and built calculative measures to support position limits, mark-to-market (MTM) exposures, and P&L attribution.

Conducted data analysis by writing SQL queries in DBVisualizer Pro and MySQL, validating trade and client records across order management, pricing, and audit modules, ensuring data lineage and consistency between Front Office and Middle Office layers.

Spearheaded User Acceptance Testing (UAT) by writing, reviewing, and executing test cases and business scenarios, ensuring compliance features were accurately implemented before release and met MiFID II best execution and Dodd-Frank post-trade transparency standards.

Collaborated with risk and compliance stakeholders to ensure system logic aligned with Audit policies, SOX controls, and regulatory inspection readiness, helping the FX platform pass pre-launch internal audits.

Environment: FX Trading Systems, DBVisualizer Pro, MySQL, Agile Scrum, UAT, JIRA, Use Case Modeling.

Accenture Services Pvt Ltd,.

Client: Bank of America Jan 2016 – Aug 2017

Role: Business Analyst

Project Description: Contributed to the enhancement and automation of the AML-KYC client onboarding and compliance ecosystem within Bank of America's Global Banking and Markets (GBAM) division. The platform ensured risk-based customer due diligence (CDD/ECDD), sanctions screening, regulatory data governance, and internal audit readiness in line with FinCEN, OFAC, FATF, and Basel compliance standards. Supported reporting and platform enhancements used by internal users, operations, and relationship managers handling HNWI, institutional, and corporate clients.

Key Responsibilities:

Served as a dual-role analyst across three concurrent projects: Core AML-KYC Application Enhancements; AML Reporting Infrastructure & Dashboard Automation & Internal In-House Tool for KYC Audit Reporting.

Collected, analyzed, and documented business and functional requirements (BRD/FRD) for new and enhanced KYC workflows including Customer Due Diligence (CDD), High-Risk Customer Flagging, Periodic Review Triggers, and Exception Handling Logic.

Partnered with Compliance, Risk, and Audit teams to ensure all AML-KYC regulatory changes were interpreted and implemented per USA PATRIOT Act, BSA/AML, and FATCA mandates.

Led development of automated dashboards and custom reports using SQL and Tableau, supporting AML ops, sales executives, and compliance officers with insights into client risk ratings, onboarding cycle times, and documentation gaps.

Designed a proprietary requirement intake and automation tool to centralize incoming KYC data requests from cross-functional teams—streamlining workflow, reducing processing time by 35%, and improving audit traceability.

Analyzed large-scale in-house KYC datasets to identify data mapping inconsistencies, normalize attributes across legacy platforms, and remediate critical client attributes prior to remediation or audit events.

Created data dictionaries, process flow diagrams, and traceability matrices for KYC platform enhancements, ensuring transparent delivery from requirement to production deployment.

Supported internal and external audit cycles by validating report compliance, preparing test scenarios, managing user acceptance testing (UAT), and ensuring complete documentation for regulatory inspection readiness.

Oversaw change management, risk governance approvals, and impact assessments for every KYC reporting update across production, ensuring no compliance regressions during delivery cycles.

Maintained artifacts, version control, and delivery roadmaps using SharePoint and SDLC trackers, coordinating with offshore/onsite development and QA teams to ensure defect-free delivery.

Environment: Java, PL/SQL, Tableau, SharePoint, JDBC, Hibernate, Multithreading, Core Java, Design Patterns.

Company: Accenture Services Pvt. Ltd. 2008 – 2016

Role: Business Analyst / Data Analyst

Client Engagements:

JPMorgan Chase – Retail Banking & Commercial Lending (Chicago, IL)

Commonwealth Bank of Australia (CBA) – Wealth Management & Compliance (Bangalore, India)

Other North American Banking Clients – Credit Risk, Core Banking, AML Programs (Atlanta, GA)

Domain Focus: Retail & Commercial Banking Wealth Management & Trust Services Regulatory Compliance (AML/KYC) Client Onboarding & Risk Rating Credit Risk & Lending Basel II/III Reporting Transaction Monitoring

Key Projects Delivered:

JPMorgan Chase: Supported loan processing automation and KYC remediation projects across Retail Lending and Commercial Banking. Streamlined onboarding timelines by 20% through business rule optimization.

Commonwealth Bank of Australia: Led enhancements to client onboarding, trust reporting, and wealth product compliance workflows; implemented tools to track HNWI account activities and investment triggers.

U.S. Regional Banks: Partnered on Basel-aligned credit reporting programs; enhanced early warning systems (EWS) for commercial lending portfolios.

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