Senior Business Systems Analyst Data Governance & Risk Reporting
Resume:
CLEMENT MOLU MSC. BSC. ASRI.
Burlington, ON • 647-***-**** • ***********@*****.***
Senior Business Systems Analyst Wealth Management Metadata Data Governance SQL Cloud Life Reinsurance Annuity Insurance
PROFESSIONAL SUMMARY
Senior Business Analyst with 15+ years of experience in large financial institutions delivering enterprise data, risk, and regulatory reporting initiatives. Specialized in data lineage analysis, materiality assessments, financial risk reporting, and data supply chain decomposition across banking, wealth, reinsurance, and payments environments. Proven expertise in tracing critical risk metrics to source systems, documenting business and technical metadata, executing data controls, and supporting enterprise Data Management Standards for Risk & Compliance data assets. Strong background in Agile and Waterfall delivery models, with deep experience collaborating across reporting teams, technology, data SMEs, governance, and compliance groups. CORE SKILLS
Business Analysis & Solution Design
• Use Case Modelling and Use Case Surveys
• Conceptual and Logical Data Modelling
• Process Modelling and Data Flow Modelling (DFD)
• Business Rules Definition and Management
• Functional and Non-Functional Requirements Definition
• Screen Specifications and User Interface Requirements
• Data Migration and Data Mapping Requirements
• System Integration Requirements Documentation
Business Intelligence & Low-Code Tools
• Microsoft Power Platform (Power BI, Power Apps)
• Data Visualization and Dashboard Development
• Business Intelligence Reporting and Insights
• Data Analytics for Operational and Strategic Decision Making Data Lineage & Supply Chain Analysis
• End-to-end data lineage documentation
• Source-to-target mapping
• Data element tracing & critical data identification
• Business & technical metadata documentation
• Enterprise data dictionary management
• Data control testing & validation
Data & Analytics Tools
• SQL (advanced querying, reconciliation, validation)
• Alteryx (data preparation & workflow automation)
• MS Excel (advanced formulas, pivot tables, reconciliation)
• MS Access (data queries & structured reporting)
• MS Visio (process maps & data flow diagrams)
• Power BI (dashboard maintenance & reporting insights) Delivery & Governance
• Agile (Scrum) & Waterfall methodologies
• Risk & issue escalation
• Stakeholder management (technical & non-technical)
• Audit-ready documentation
• Data governance standards implementation
PROFESSIONAL EXPERIENCE
TAI Inc (Reinsurance Group of America Company)
Senior Business Analyst -Life Reinsurance Administration Apr 2025 – Present
• Conducting data lineage analysis for life reinsurance policy administration systems, tracing premium, claim, and settlement data elements from source systems through transformation layers into enterprise reporting outputs.
• Performing materiality assessments on financial reporting line items to identify critical data elements impacting regulatory and actuarial reporting.
• Developing use case models, conceptual and logical data models, and process/data flow diagrams to support life insurance and reinsurance system enhancements.
• Defining business rules, functional and non-functional requirements, screen specifications, and data migration requirements for policy administration and financial reporting initiatives.
• Decomposing complex financial metrics into underlying data attributes and transformation logic across different Life Insurance systems, and TAI platforms.
• Executing data supply chain analysis, documenting technical metadata, business definitions, and control points.
• Utilizing SQL and Alteryx workflows to reconcile financial and policy data, reducing reconciliation discrepancies by 60%.
• Authoring detailed lineage diagrams using Visio to support audit, compliance, and internal governance requirements.
• Supporting implementation of enterprise Data Management Standards ensuring traceability and data quality compliance.
• Identifying data risks and escalated blockers early, minimizing downstream reporting impact.
• Operating in hybrid Agile/Waterfall project environments. TD WEALTH
Senior Business System Analyst Jul 2024 – March 2025
• Enabled seamless TD Web Broker onboarding by leading cross-functional workshops with Wealth and Direct Investing teams to align client onboarding journeys with regulatory and business requirements.
• Supported the launch and enhancement of Web Broker features by communicating product changes, release updates, and roadmap priorities to business, technology, and service stakeholders.
• Strengthened governance and compliance in client onboarding by partnering with Risk, AML, Privacy, Audit, and Compliance teams to ensure all onboarding flows met TD Wealth regulatory and internal control standards.
• Developed use case models, conceptual and logical data models, and process/data flow diagrams to support life insurance and reinsurance system enhancements.
• Defined business rules, functional and non-functional requirements, screen specifications, and data migration requirements for policy administration and financial reporting initiatives.
• Conducted gap analysis between current-state processes and Salesforce target-state capabilities to drive system optimization.
• Collaborated with Salesforce Developers and Admins to design scalable solutions using Flows, Process Builder, Apex triggers, and Lightning components.
• Ensured operational readiness for new Web Broker and onboarding capabilities by coordinating training, procedures, UAT, issue resolution, and Day-2 support with service and delivery partners.
• Improved new-client onboarding experience and conversion by analyzing customer journey metrics (drop- off rates, onboarding time, error reduction) and providing actionable insights to the Product Owner and senior leadership.
• Gathered, documented, and validated business requirements for retail and digital clients onboarding (KYC, risk assessments, investor profiles, account opening).
• Supported the Product Owner in maintaining and grooming the product backlog (prioritizing features, defects, and technical work).
• Mapped the end-to-end client onboarding journey for PIA, FP, and DI channels, identifying pain points and improvement opportunities.
• Analyzed current-state onboarding workflows (e.g., suitability checks, account funding, disclosures) and recommended enhancements.
• Ensured user stories delivered measurable client value and aligned with the digital client strategy.
• Prepared user story mockups, workflow diagrams, and business rules for development pods.
• Utilized SQL queries to extract, validate, and analyze onboarding data across multiple systems to support requirement refinement, root-cause analysis, and performance reporting.
• Performed data validation and reconciliation using SQL to ensure accuracy of retail clients, customer ID KYC, and onboarding datasets before and after feature releases.
• Collaborated with data engineering teams to define data mapping rules, transformation logic, and source- to-target requirements.
• Participated in daily stand-ups, backlog refinement, sprint planning, demos, and retrospectives.
• Validated completed user stories against the Definition of Done and Acceptance Criteria.
• Partnered with PIA Advisors, Financial Planning teams, DI Operations, Risk, Legal, AML, and Compliance to gather inputs and confirm requirements.
• Translated complex business processes into technical-friendly requirements.
• Worked closely with architects, development teams, UX/UI designers, data teams, and testing teams.
• Collaborated with API developers to define API request/response payloads, data contracts, error handling rules, and authentication flows supporting client onboarding and KYC validation.
• Reviewed and refined API specifications (REST/JSON) to ensure services supported digital onboarding needs and regulatory requirements.
• Performed API validation and testing using tools such as Postman, validating data consistency, response codes, and integration logic across systems.
• Clarified requirements and answered developer questions throughout the build process.
• Reviewed technical designs to ensure alignment with business intent and regulatory expectations.
• Supported the prioritization of defects, enhancements, and requests from Wealth Advice, Financial Planning, and DI teams.
• Performed impact assessments to evaluate how changes affected systems (e.g., onboarding platforms, KYC tools, CRM, trading systems).
• Supported integration testing across multiple platforms (e.g. Active Trader, WebBroker, TD mobile app, PIA tools).
MORGAN STANLEY
Business Systems Analyst Mar 2022 – Jun 2024
Projects: Investment Banking Operations: Process Improvement, Process Efficiency, Enhancements to existing features, Creation of a wholistic Employee Portal to phase out multiple systems, Change Requests, Data Dictionary Management
Cloud Migration– Data backup and Data recovery on Microsoft Azure, Access Management on Azure
• Supported investment banking operations through process improvement initiatives focused on efficiency, risk reduction, and system consolidation, including the delivery of a centralized employee and resource management portal to replace multiple legacy platforms.
• Performing data quality checks ensure data is accurate, complete, and reliable before it’s used for reporting, decision-making, or regulatory purposes.
• Developed use case models, conceptual and logical data models, and process/data flow diagrams to support life insurance and reinsurance system enhancements.
• Defined business rules, functional and non-functional requirements, screen specifications, and data migration requirements for policy administration and financial reporting initiatives.
• Led impact analysis for proposed technology and process changes, assessing downstream effects across investment banking, operations, and supporting functions.
• Conducted data analysis and logical data modeling to support operational reporting, system integrations, and decision-making for business and technology leaders.
• Developed and maintained a strong working knowledge of Morgan Stanley’s investment banking technology landscape, ensuring alignment between business objectives and IT service delivery.
• Collaborated closely with architects and engineering teams to define integration, security, scalability, and performance requirements within highly regulated financial environments.
• Owned Microsoft Dynamics 365 for Operations from a business analysis perspective, including requirements definition, configuration support, access management, and ongoing enhancements.
• Played a key role in data dictionary and reference data management, partnering with Data Owners, SMEs, and Product Owners to define, standardize, and validate critical investment banking data elements.
• Researched historical documentation and facilitated SME workshops to identify data gaps, resolve inconsistencies, and document authoritative data definitions.
• Ensured alignment of data hierarchies with business rules, transformations, and reporting needs, supporting consistency across systems and analytical outputs.
• Supported ETL processes, validating data transformations prior to loading into target DBMS environments in accordance with enterprise data standards.
• Contributed to data governance initiatives, identifying opportunities to strengthen data quality, integrity, and operational transparency.
• Authored and maintained clear, audit-ready documentation for reference data, data dictionaries, and process flows.
• Created and managed Epics, Features, Capabilities, User Stories, and production defects using Jira and Rally, supporting ongoing and future initiatives within the Resource Management squad.
• Partnered with cross-functional stakeholders across investment banking, technology, and operations to deliver initiatives on time and within budget, balancing competing priorities in a fast-paced environment.
• Built strong, trusted relationships with business leaders, fellow analysts, developers, and delivery teams, contributing to a collaborative and high-performance culture. TD INSURANCE
Business Analyst Jul 2021 – Mar 2022
Projects: Operations – Data Dictionary management, Meta data standard, Process Improvement, Process Efficiency, UMP Customer message alert (Secure messages, SMS, Push Messaging), Creation of Portals to automate manual activities, Change Requests
Insurance – Integrating to Verify.Me, Ai Chat 2.0 (Life Agent Chat, Chatbot using IBM Watson)
• Actively participated in TD’s enterprise data catalog adoption program, onboarding datasets, validating metadata, and organizing epics and user stories supporting major governance initiatives.
• Defined non-functional requirements including performance, security, and data governance controls for insurance system implementations.
• Led end-to-end requirements gathering sessions with business stakeholders to document functional and non-functional requirements for Salesforce Sales Cloud and Service Cloud implementations.
• Worked closely with Compliance, Risk, and Security teams to ensure Salesforce CRM solutions met regulatory and privacy requirements.
• Enhanced data catalog quality by performing data profiling, data lineage validation, and source-to-target mapping for multiple insurance and payments applications.
• Ensured accurate classification and documentation of data assets in alignment with governance rules and regulatory expectations.
• Utilized SQL to extract, verify, and analyze large volumes of payment and insurance data.
• Collaborated with solution architects and technology SMEs to define metadata-driven requirements and validate system capabilities.
• Created acceptance criteria, functional specifications, UML diagrams, and BPMN workflows for data governance and catalog initiatives.
• Supported UAT teams by translating metadata and lineage requirements into test cases and validation steps.
• Interpreted use cases into Agile user stories, end-to-end scenarios, and acceptance criteria to support effective sprint delivery.
BMO
Associate Feb 2021 – Jun 2021
• Supported customer service operations by analyzing customer inquiries, complaints, and service delays across insurance channels.
• Collaborated with call centre teams to identify root causes of repeat customer calls and improve resolution workflows.
• Assisted in improving customer communication and messaging, ensuring clarity and consistency across service channels.
• Ensured customer information was handled in accordance with privacy, security, and regulatory requirements.
• Analyzed service requests and incidents to identify process gaps impacting response times and customer satisfaction.
• Worked closely with multiple departments to coordinate issue resolution, ensuring consistent communication and ownership.
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FIDELITY BANK PLC
Business Analyst / Data Analyst Feb 2015 – Jan 2021 Projects: Commercial Bank - Loans, Mortgage, Process Efficiency Payment: International money transfers, SWIFT, Automated Clearing Houses (ACH), Configuration of a Portal to process International Wire Transfer for both Straight Through Processing (STP) and non STP Operations – Data Dictionary management, Process Improvement, Process Efficiency, Creation of Portals to automate manual activities, Change Requests, Digital Transformation Online Banking – User Interface Uplift, Data Integration Cards – Linking to Payment Gateways, Compliance with Regulatory authority standard. Loans – Creation of a Loans mobile application, Increasing mobile banking features for loans.
• Managed data ingestion, metadata creation, and ETL processes supporting reconciliation, RTGS payment systems, and online banking platforms.
• Conducted data modeling, process mapping, and integration design for banking and settlement workflows.
• Created data transformation rules, API specifications, and supported the full lifecycle of core banking integration projects.
• Built and maintained UIs and process documentation, ensuring accuracy, traceability, and alignment with enterprise data standards.
• Created and maintained glossaries, mapping documentation, and metadata supporting enterprise reporting and analytics.
• Performed data quality checks, profiling, and root-cause analysis on payment and reconciliation exceptions.
ZENITH INSURANCE (Part of Zenith Bank Group)
Business Analyst – Bancassurance Jul 2013 – Jan 2015
• Supported insurance data mapping, migration, and reconciliation activities ensuring alignment with AML and regulatory data compliance requirements.
• Created UML diagrams, workflows, process maps, and technical documentation to describe data touchpoints across insurance systems.
• Defined KPIs, data models, and reporting structures to support insurance decision-making.
• Facilitated JAD sessions, gathered requirements, and managed UAT cycles for insurance data initiatives. ROYAL BANK OF SCOTLAND GROUP
Business Analyst Mar 2012 – Jun 2013
• Supported continuous improvement and problem-solving initiatives using LEAN and DMAIC methodologies.
• Conducted data analysis, root-cause detection, and documentation of system impact affecting banking operations.
• Assisted in governance reporting and supported merger-related system and data changes.
• Collaborated with stakeholders to translate use cases into user stories, usage scenarios, and acceptance criteria aligned with business objectives.
EDUCATION & CERTIFICATIONS
• Certified Business Analyst Professional (CBAP) – In Progress
• Certified Scrum Product Owner (CSPO)
• Certified ScrumMaster (CSM)
• LOMA - Associate, Secure Retirement Institute (ASRI)
• MSc – Business & Financial Economics, University of Greenwich, UK
• BSc – Economics, Covenant University
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