Kartheek A

Business Analyst - 8 Years of Experience - Near 90503


Business Analyst


Torrance, CA

Education Level:


Will Relocate:



Summary * 8+ years of experience as a Business System Analyst/Data Analyst in industry domains including Mortgage, Capital Markets, Wealth Management, Retail Banking, e-Commerce and Insurance. * 3+ years of experience in Guidewire Policy Center and Guidewire Claims Center for Property & Casualty Insurance. * Strong understanding of Retail Banking, including Credit Card, Mortgage, Account Transactions, Wire Transfers, Bill Payment. * Proficient in Anti Money Laundering (AML), Bank Secrecy Act (BSA), Comprehensive Capital Analysis and Review (CCAR), AML-KYC, BASEL II and III, and Dodd-Frank Act. In-depth knowledge of NICE Actimize Suite and STAR/PACE product Suite. * Experience in CCAR - Credit Operational and Market Risk and FR Y 14 M/Q/A reporting. * Strong experience in Business and Data Analysis, Data Profiling, Data Migration, Data Integration and Metadata Management Services. * Good experience in Data Modeling with expertise in creating Star & Snow-Flake Schemas, FACT and Dimensions Tables, Physical and Logical Data Modeling using Erwin. * Good experience in core PL/SQL development. Implemented pl/sql objects like Stored Procedures, functions, packages, Triggers, Exceptions, Cursors, Ref Cursors, Collections and bulk procedures. * Strong Data Quality Management background performing analysis, monitoring and tuning to maintain data integrity. * Experience in creating database tables, writing stored triggers, select statements, JOINS, views. * Ability to collaborate with peers in both, business, and technical areas, to deliver optimal business process solutions, in line with corporate priorities. * Knowledge of Mortgage Loan Origination, Servicing, Closing, Mortgage Backed Securities (MBS), Fannie Mae, Freddie Mac, Loss Mitigation, Loan Modification, Appraisal, Credit, Income and Title functionalities. Working knowledge of Encompass and Calyx. * Good knowledge and experience on Payment Security Industry (PCI)/ Data Security Standards (DSS) Compliance. * Knowledge of the CAN-SPAM Act and working experience on Email - Marketing projects. * Good Data Warehousing concepts including Extract, Transform, Load (ETL), Meta data, Data Marts, Fact/Dimension Tables, and Dimensional Modeling. * Acted as Scrum Master for Product teams with a focus on guiding the teams towards improving the way they work. * Organized and facilitated project planning, daily stand-up meetings, reviews, retrospectives, sprint, release planning, demos, and other Scrum-related meetings. * Extensive experience in project management best practices, processes, & SDLC methodologies including Waterfall and Agile (SCRUM). * Expertise in defining scope of projects based on gathered Business Requirements including documentation of constraints, assumptions, business impacts & project risks. * Analysis and review of Software and Business Requirement Documents (BRD). * Interviewing Subject Matter Experts, asking detailed questions and carefully recording the requirements in a format that can be reviewed and understood by both business and technical people. * Worked in various technologies such as XSLT, XPATH, CSS, XML, and HTML. * Knowledge of Test Plans, providing Test Data, conducting unit test, documenting test cases and in Manual Testing - Functional, Database, Black Box, Positive-Negative, and Regression testing. * Experience in writing User manual, conducting functional walkthroughs, and in performing extensive User Acceptance Testing (UAT). * Articulate, confident, and able to communicate comfortably with all levels of the company. I worked on multiple enterprise level projects Global Logistics Systems (GLS) is an American bank is the 13th-largest bank in the United States, and operates more than 1,200 branches and approximately 3,200 ATMs across 11 states under the Citizens Bank brand. Project: Actimize (Finance/Compliance) This project is enhancement of CDD (Customer Due Diligence) and ECDD (Enhanced Customer Due Diligence) as a part of KYC/AML enhancement rules to identify AML associated transactions. * Interact with Cyber Security, Fraud Internal Investigations team, CIU (Client Intelligence Unit team) to learn the Fraud Transaction monitoring and handling process and to support the FDA (Fraud Analytics) team with the desired solution as needed. * Manage project deliverables throughout the complete project lifecycle. From initiation to closure, this entails collaboration with and oversight of vendors, business analyst, development/SIT/QA teams, UAT and production support. * Manage project financials including resource planning both onshore and offshore, cost and percent completed ensuring acceptable margins and providing accurate budget forecasting. * Manage Anti-Money Laundering/Know Your Customer (KYC) data remediation initiative by validating business rules across multiple applications according to customer role, reporting on missing data and clean data updates across multiple systems-of-record. * Analyze the existing Fraud detection rules that are documented in Actimize - Policy Manager. * Handle and manage a caseload of investigations, performed analysis and follow-up. * Use Fraud/AML internal Procedures & Processes and worked on Fraud cases by mainly focusing on transactions occurring in various lines of Business and flowing through (Web, Paper, Phone/IVR, Mobile, Email and In-Person/Local Office) channels. * Accountable for documenting and reporting the investigation findings in the case management system. * Research and develop process flows, captured and analyzed related issues. Provide training to team on various project processes including Risk and Issue Management. * Manage Anti-Money Laundering/Know Your Customer (KYC) data remediation initiative. * Perform data analysis using Fraud detection techniques for various Fraud and AML Scenarios flowing through "The W repository" and other to track the SAR's and to make sure we have no GAPS in terms of tracking suspicious transactions. * Interacted with different Lines of Business as part of monitoring the Fraud transactions and created the Centralized repository (Base View) for all AML/Fraud transactions (ACH, GBS, OLM, WIR, PPD, etc.) passing through different Channels (Web, Paper, Phone etc.). Project: Wealth Management Services Citizens Bank provides access to sophisticated wealth-management services that help advisors attract and retain affluent clients, as well as profitably grow, compete and succeed in their business efforts. The Wealth Management group focuses on delivering comprehensive financial services to high net worth individuals. The project was implementation of Business Intelligence (BI) reporting on Citizens's Asset & Wealth Management repository (based on Eagle PACE / STAR product suite). The BI solution was built on Oracle OBIEE suite. * Lead and participate in all phases of the Agile Delivery Framework, including creation and review of complex business and functional requirements. * Reporting to Asset & Wealth Management CTO and Director of Enterprise Data, collaborate with business stakeholders from discovery till implementation to enable Business Intelligence capabilities. * Analyse data needs and finalized corresponding design strategies with internal cross functional teams and external vendors (Brokers/Custodians, Fund Admins, Market/Reference Data). * Worked on a centralized investments market/reference data warehouse to align data from multiple sources (internal/external). Key Reporting Areas include Regulatory & Compliance, Portfolio Book of Business, Performance, Investment Strategy Adherence IMA/IPS, and Investors KYC/BSA/AML/CRR. * Designed and implemented data structures for Investments Master Data Management, Quality and Governance while working in conjunction with Business, Product Management and Technology partners. * Created lineage/traceability from two legacy source systems to investments data warehouse and eventually to the reporting data mart. This resulted in creating a master set of consolidated data elements that was used for all future BI reporting. * Based on business rationale, consolidated various legacy reports into a proposed master reporting set includes mapping to the reporting data mart. Created a mockup dashboard (Visio) to align reports and data to BI capabilities. * Delivered strategy to conduct business requirements sessions on the basis of analyzed business rationale, consolidated reports and data. Created a prototype dashboard in OBIEE to demonstrate summaries, alerts and drill down capabilities of an integrated BI environment. * Delivered Alternative Investments data feed for Performance reporting. Aligned Custodian/Brokerage, Fund Admin and Internal Accounting System data and optimizing operational processes (Accounts, Securities/Funds, Valuations/Holdings, Transactions). Environment: Oracle 11g, PL/SQL, OBIEE, Eagle PACE/STAR Suite, MS Visio and MS Outlook Project: Axiom implementation My role on this team is of a BSA/Data Analyst.The team is tasked with the development of data warehouses for forecasting purposes as well as reporting purposes and this position served as a liaison between the financial analysis team, the financial reporting team and the IT development team. The project covers compliance and regulations such as Basel III and CCAR. The process followed Agile Scrum Methodology. Responsibilities: * Gather requirements through users interviews, teleconferences, document analyses, use case analyses and UML diagrams for user stories creation and obtain timely sign-off by all respective parties. * Help prepare for CCAR reporting schedules (ex. FRY 14A/Q/M & 9C). * Meet with financial analysis team and financial reporting team to gather their requirements on data. * Participate in data modeling, data analysis and requirement documentation. * Lead Sprint Planning & Estimation sessions, Sprint Retrospectives and Reviews. * Develop detailed level process maps to facilitate requirements gathering for projects and trainings. * Conduct data verification on projection data warehouse. * Design logical models using Star schema. Constructed a credit Fact which could be sliced and diced by various dimensions like Product, GL, Asset Class, Geography. * Define, documented and translated high level business requirements into detail system specifications. * Identify and analyze business problems and defined the scope of activities required to address issues, including requirement definition, process review, impact assessment and operational streamlining where necessary. * Prepare FRDs that help drive the design of the infrastructure necessary for the organization to meet new CCAR reporting requirements. * Help with the remediation and mapping of data going into reporting systems. * Conduct data verification on reporting data warehouse. * Extensively involved in Data Governance process. Assisted in data grouping and defined relationship among the different tables. * Participate in configuration of IHC Reporting System and other in-house reporting software /systems. * Support the Project manager in planning, executing, controlling and closing phases of projects. * Work with the development team to define system specifications based on the business requirements gathered by Prototyping and JAD sessions. * Design and implement basic SQL JOIN queries for QA testing and validate reports generated in Axiom. * Loaded the data into database tables using SQL*loader from TXT and CSV files. * Wrote SQL Loader control file for flat file data from other departments and scheduled them in UNIX to load every night in Production Environment. * Developing Oracle objects such as Tables, Views, Indexes, Synonyms, Materialized views, Sequences, Cursors, Partitions, and Dynamic SQL. * Performed System Integration testing, User Acceptance Testing and created test cases and test scripts. * Use SharePoint to store, organize, share, and access information from almost any device. Environment: Oracle 11g, PL/SQL, Microsoft Project 2000, Axiom SL DDW/IC, Axiom SL, Oracle, Informatica 9.5.1, Erwin, MS Excel, SharePoint 2010, PowerPoint, MS Visio and MS Outlook Project: OTC Derivative Clearing Automation- IHS Markit The project was developed for Derivatives Operations to automate OTC derivative life cycle and to comply with Dodd Frank requirement. My role was of a Business System Analyst to automate process of OTC derivative clearing through Markit Trade Manager. * Conducted GAP analysis to determine difference in the workflow of clearing eligible credit and interest rate derivatives and their bilateral counterparts to determine the impact to downstream systems. * Co-ordinated with Business, IT and Operations to author Detailed Business Requirement to automate OTC Derivative Life Cycle Management for Clearing Eligible OTC Interest Rate and OTC Credit derivatives. * Created Data mapping document and logic to convert FpML message to Summit XML to automate Trade Capture. * Wrote business requirements to create static (reference data) of underlying credit entities like RED ID's and ISIN with maturity and version details to automate the trade processing. The reference data was captured from Markit API platform. * Lead a team of Business Analysts to gather requirements to price OTC Credit Derivatives via Numerix platform. * Created the link between across clearing houses like CME, ICE and LCH via Markitwire and Markit Trade Manager to allow for automated trade matching and confirmations. * Scoped and gathered requirements to net Cleared Interest Rate and Credit Derivatives via Position Management and Compression. * Co-ordinated with various business groups such as Collateral Management, Front Office and Brokers to successfully complete end to end testing. * Worked closely with IT team to resolve issues and defects that cropped up while testing in a timely manner. * Worked closely with derivatives pricing team to automate pricing solutions for various asset classes to meet client specific requirements. * Facilitate the Change Management Group by Authoring desktop procedures for the operations to inform them of the changes in processes due to the automation of Derivative life cycle. * Currently leading the effort to automate default management via the automated update of Index factors to the affected Credit Entity Series at the trade level for clearing eligible credit derivatives. Environment: Markit Trade Manager, MS Excel, JIRA, PowerPoint, MS Visio and MS Outlook Target's Resource Demand and Supply Model. The aim of the team was to build an Ad hoc Reporting environment to provide a flexible reporting environment for Forecasting and Actual of Sales Inventory Demand-Supply elasticity Claims and Financial Metrics. This would help sell moderaltely priced apparel shoes accessories and home products targeted to middle income customer through Target stores. The reporting reduced the cost of Analysis by a whopping $8 Million.