Senior Banking Data & Risk Analyst

Tracyann Elliott ********.*.*******@*****.*** 914-***-****

Business Analyst with 12+ years of experience in financial services, specializing in credit risk, capital markets, and data-driven analysis. Proven track record supporting underwriting, risk assessment, and process optimization initiatives across leading institutions including Morgan Stanley, Citi, and Flagstar Bank. Skilled in analyzing financial and operational data, developing KPI dashboards, and driving insights that support credit decision-making. Proficient in nCino(Salesforce), and cross-functional collaboration within risk, compliance, and technology teams.

Core Competencies

- Data Analytics & Dashboard Reporting (Excel, Tableau, Power BI), JIRA, Confluence, SQL

- UAT & TESTING STRATEGY

- BUSINESS PROCESS OPTIMIZATION

- RISK & REGULATORY COMPLIANCE

PROFESSIONAL EXPERIENCE

aurora’s hvac services, New York, NY 06/2023 – 11/2025

Business Analyst(Contract)

Developed detailed reports and dashboards to track key performance indicators(KPIs) such as customer satisfaction, technician efficiency, and service profitability.

Led project planning and resource allocation for HVAC installations and maintenance, ensuring timely delivery and client satisfaction.

Evaluate existing workflows and recommend process improvement to enhance productivity and reduce operations costs.

Flagstar Bank, New York, NY 06/2021 - 5/2023

Business Analyst, Information Strategy(Information Strategy & Underwriting Risk)

Performed analysis on assigned BAU tickets and leading discovery sessions with the business owners to define requirements necessary to complete the request.

Design, configuration, unit testing and documenting user stories of assigned Sprint items.

Performed full documentation of user stories and technical solution in the Jira tickets for inclusion on the Sprint Release Notes, backlog grooming.

Coordinate submissions, follow ups, and closures of nCino seasonal releases.

Coordinate with Data Warehouse Team, Loan Ops, and Informatica when BAU requests impacts downstream processes, assist partner resources with AutoRabit and deployment processes.

Ensure partners are following the configuration guidelines and system best practices defined by Flagstar Bank, nCino, and Salesforce.

Morgan Stanley, New York, NY 11/2018 - 03/2020

Business Analyst, Capital Markets Core Processing

Identify, document and assess key controls across Finance and Operations, as well as work with the business areas to institute proper controls and remediation strategies.

Communicate findings and recommendations to management, determine root causes, obtain management's action plan for remediation in a timely manner and track findings through resolution.

Track metrics and coordinate reporting to project working groups, steering committees, senior management, internal audit, and external auditors.

Analyze any changes to internal business processes and/or accounting standards to assess the potential risks and impacts to controls in place.

JPMorgan Chase, Brooklyn, NY 02/2018 - 05/2018

WM Business Analyst (Contract)

Analyze current business process for security guidelines onboarding to understand the business needs and to determine how to best fulfill those needs.

Liaise with the Compliance, KYC Operations, Front Offices, Risk and Privacy teams to ensure alignment and running workshops to elicit their requirements

Work closely with Technology partners to ensure requirements are built as expected.

Citibank, New Port, NJ 10/2016 - 09/2017

Business Analyst (AVP)

Conduct any and all business analysis needed to define client onboarding business requirements and use cases to meet project objectives.

Partner with key business and technology stakeholders to define scope of effort, work deliverables, and project plans and help resolve/escalate issues as needed to successfully deliver projects on time, on budget and with quality.

Publish and circulate project documents (e.g., business requirements, process flows, screen designs, use cases, ‘how to’ guides) to all stakeholders.

Capital Market, Holdings Analysis, Performance Analysis, Managed Accounts.

AIG (EXL Services), NEW York, NY. 01/2015 - 06/2016

Credit Risk Analyst(Contract)

Analyzed complex financial data to identify trends and inform decision-making.

Prepared detailed reports and presentations for stakeholders, enhancing data-driven strategies.

Collaborated with cross-functional teams to assess project risks and ensure compliance with financial regulations.

Conducted market and industry research to support strategic planning initiatives.

Citibank (GBP Financials), NEW York, NY 10/2013 – 10/2014

Business Analyst, Change Management (Contract)

Proven ability to meet deadlines while simultaneously working on multiple projects.

Analyzed financial reporting data from multiple departments, reconciled data to various source systems to ensure completeness and accuracy.

Assist with the coordination of UAT (user acceptance testing) across all operations units.

EDUCATION

ACADEMIC, White Plains, NY 09/2011 - 03/2026

Bachelor Business Administration in Finance, The College of Westchester

Certifications

PMP Certification, Brewster Technology Brewster Technology

Data Science Practitioner Certification, WCC

Credit and Credit Risk Analysis Professional Certificate of Mastery, New York Institute of Finance

Introduction to Financial Engineering and Risk Management, Columbia University Credit Risk Analysis and Underwriting, Starweaver

Commercial Credit Analysis, Credit Risk and Lending, Udemy

Introduction to Risk Management, New York Institute of Finance

Advanced Data Visualization with Tableau, TableaLearning Partner

Contact this candidate