Business Analyst / Data Analyst

Daniel Cloud

Glen Head, NY ***** 631-***-**** *********@*****.***

http://www.linkedin.com/in/danielcloud00

Senior Business Analyst

Highly analytical and results-driven financial services industry professional with substantial experience in driving transformative business outcomes and leading high-impact initiatives to enhance strategic decision-making for enterprise-level organizations.

Excel at transforming complex datasets into actionable insights and visually compelling narratives for executive decision-making. Proficient in leveraging advanced analytics tools, including Tableau, SAS, SQL and Excel, to develop executive dashboards, automate workflows, and create robust reporting frameworks.

Instrumental in business intelligence and analytics; gathering/utilizing complex data sets, reflecting customer behaviors/trends, and supporting product development decisions. Astute in developing, maintaining, and enhancing credit policies, procedures, and risk frameworks to mitigate financial exposure while ensuring regulatory compliance. Motivated out-of-the-box innovative thinker and creative problem solving skills with ability to work independently, organizational skills, communication skills, attention to detail, meticulous, disciplined, highly focused, articulate, work well under pressure, manage competing priorities, project management skills, provide guidance/consulting/coaching/customer support, team-oriented with leadership skills, ability to collaborate, develop relationships, open-minded & strong follow-up skills.

Areas of Expertise

Business Intelligence & Analytics

Solve Complex Problems

Data Transformation & Validation

Data-driven Insights

Data Visualization / Creative Approach / Storytelling

Data Governance & Data Management

Statistics & Mathematics

Risk Monitoring & Risk Analysis

Business Analysis

Relationship Management

Business Initiatives & Business Requirements

Change Management Processes

Data Modeling & Data Warehouse

Team Leadership & Mentoring

Finance, Economics & Accounting

Performance Analytics

Interpret Data & Data Governance

Report Generation & Business Growth with Scalability

Financial Management Systems

Product & Account Management

Data Quality & Quantitative Analysis

Documentation & Management Reporting

Stakeholder Engagement & Prioritization

Interpersonal Communication

Deliver Presentations

Performance Metrics & Key Metrics/KPIs

Analytical Skills & Market Insights

Customer Experience & Professional Services

Enterprise Risk Management

Strategic Initiatives & Strategic Analysis

Industry Trends

Underwriting & Credit Analysis

Technical Proficiencies

Microsoft Office Suite (Word, Access, Microsoft Excel Skills (advanced), Microsoft PowerPoint Skills (advanced)) PitchPRO+ Add-in, Toad for Oracle; PL/SQL, SQL Server, Power BI, SAS Enterprise Guide, Tableau, Agile, Experian, MasterCard Connect, Adobe Acrobat Professional, Autocount, Bloomberg, Moody’s Analytics, SAP, Clarity, JEMS, Brio, Fame, AFP Viewer, Oracle Discoverer Plus, DocAnalyzer 5.0, Hyperion Essbase Application Manager, Hyperion Planning/Smartview, Essbase

Professional Experience

Santander Bank, N.A.; Consumer Lending (Credit Cards / Personal Loans / Fintechs); Glen Head, NY 03/2021 – 05/2025

Director of Business Intelligence & Reporting/Business Analytics

Produce and maintain regulatory and non-regulatory reports, management presentations, and materials, ensuring professional quality, consistency, and compliance with corporate standards and data governance. Serve as primary liaison to Consumer Finance CEO for development of impactful Executive Management presentations for Operating Committees. Utilize Tableau, SAS / SQL, Excel, and PowerPoint to provide comprehensive data analysis and reporting support for ad-hoc requests, audits, and regulatory exams. Enhanced data governance process to ensure quality/integrity from raw database tables to downstream usage of data fields.

Notable Contributions:

●Achieved $9M in savings during 10-year contract renewal by operating as Credit Card business liaison with MasterCard.

●Transformed complex lending products data into clear narratives, applying advanced analytical methods and visualization tools to provide actionable insights and compelling stories.

●Automated, converted and redeveloped several manually produced excel based reports/dashboards utilizing Tableau/SQL/SAS.

Wells Fargo & Co.; Auto Finance; Melville, NY 02/2018 – 03/2021

Credit Risk Portfolio/Business Analyst

Oversaw annual recertification and ongoing maintenance of corporate and Auto credit policy exceptions governance documents to achieve accuracy and compliance with established standards. Led monthly Credible Challenge submissions and governance tracking, recognized for best-in-class execution and adherence to regulatory requirements. Enhanced data governance process to ensure quality/integrity from raw database tables to downstream usage of data fields. Served as primary liaison for Auto Chief Risk Officer and drove creation of Executive Management presentations for Operating Committees utilizing Tableau, SAS / SQL, Excel, and PowerPoint.

Notable Contributions:

●Established early tracking mechanisms in response to 2020 events, supporting policy tightening and recovery playbooks under governance oversight.

●Developed and maintained both regulatory and non-regulatory reports, delivering insightful management presentations aligned with organizational goals, compliance protocols and data governance.

J.P. Morgan Chase & Co.; Auto Finance; Garden City, NY 09/2013 – 02/2018

Risk Director/Data Governance

Directed risk reporting & developed Executive Management presentations for Risk Committees, ensuring clear communication of key insights and strategic recommendations. Led reporting and data governance initiatives team, including senior associates, driving operational excellence, collaborative outcomes and overall business performance oversight. Collaboration with finance, credit risk MIS, and other teams across Consumer & Community Banking to support business strategy development and credit product analytics utilizing SAS / SQL / Excel.

Notable Contributions:

●Employed multiple governance initiatives, including Business Resiliency, Risk Committee, data governance, BCBS (automation), RCSA Process Mapping, and Document Retention for seamless execution and adherence to standards.

●Created automated holistic credit risk life-of-loan report recognized as best in class and relied upon by finance and all functional areas across the firm saving an estimated 20+ hours a month in siloed research.

●Developed best practice intranet / employee communications / Sharepoint site as a central repository for the risk organization saving an aggregate estimated 15+ hours a month in individual siloed research.

J.P. Morgan Chase & Co.; Auto Finance; Garden City, NY 12/2009 – 09/2013

Financial Analysis Manager

Designed, maintained, and updated key financial reporting / financial modeling / financial system / schedules, including variance analysis, forecasting pro-forma pricing P&Ls by Line of Business and ROA/ROE calculators utilizing SQL & Excel. Developed pro-forma expense and income drivers, influencing firm's pricing strategy and optimizing financial performance. Liaised with FP&A, MIS, product management, and senior leadership to formulate and implement effective product and pricing strategies aligned with organizational goals and tracking against industry / financial markets.

Notable Contributions:

●Acted as primary contact for all retail LOBs and delivered expert guidance on pricing, profitability, and origination data governance to support business decisions.

Additional Experience

Senior Financial Analyst Computer Associates, Islandia, NY

Financial Analyst II New York University, New York, NY

Financial Analyst J.P. Morgan Chase & Co., Auto Finance, Garden City, NY

Budget Analyst Young Adult Institute (YAI), New York, NY

Agency Owner Allstate Insurance Company, P&C, L&H, Series 6 & 63, Melville, NY

CRM FRM

Education

Master of Business Administration (MBA) General Management with Concentration in Finance Dowling College, New York, NY

Bachelor of Business Administration degree in Finance; Concentration in Finance & Securities Dowling College, New York, NY

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