Candidates About

Juhi

PROFESSIONAL SUMMARY:

•         Business Analyst with over seven years of experience in banking and financial services with prime focus on, CCAR Dodd Frank, Basel and other financial regulations and customizing financial services applications.

•         Experience in Stress Testing, Basel I, Basel II, Basel III with strong knowledge of Basel III, CCAR, KYC rules and regulations III & Dodd-Frank reform & consumer Protection Act with clear understanding of Credit Risk.

•         Interacted with the business users to gather requirements based on the CCAR Regulation for Financial Statements, Interest Rate, Credit Ratings, FRY9C and Investment Securities.

•         Responsible for strategy/implementation of BASEL I, II, III frameworks, FFEIC 101 (RWA) Risk analysis, comprehensive Capital Analysis, CCAR, CCAS, Documentation, Implementation of Moodys Software Calculation (EAD, RWA, LGD, PD).

•         Manages day-to-day operation of the Compliance Program with development and periodically reviews and updates Compliance Reports.

•         and periodically reviews and updates Compliance Reports.

•         As part of CCAR, worked on a Stress Testing solution for a client to check the health of the portfolio of investments for the client to ascertain Capital adequacy.

•         Experienced in Credit Risk Modelling - provided data, developed and enhanced CCAR models for credit card delinquency and default loss forecasting.

•         Expertise in broad range of technologies, including business process tools such as Microsoft Project, MS Excel, MS Access, MS Visio, technical assessment tools, MicroStrategy, Data Warehousing, Data Modelling and Design along with Atlassian products in Agile environment like JIRA, JIRA time sheet Report

•         Strong experience in conducting User Acceptance Testing (UAT) and documentation of Test Cases. Test Plans and Test Scripts.

•         Knowledge in Creating and maintaining database objects, creating complex, Tables, Stored Procedures, Triggers, Cursors, Views, Indexes, SQL Joins and other statements for various applications.

•         Took part in documentation and implementation of User Access Control as a part of CCAR reporting.

•         Expertise in interaction with the business users to gather requirements based on the CCAR Regulation for financial Statements, Interest Rate, Credit Ratings, FRY9C and Investment Securities.

•         Regulatory Modeling: Comprehensive Capital Analysis and Review (CCAR) modeling of PD, EAD and LGD

•         Strong Experience in Agile, Waterfall, Object Oriented Analysis and Software Development Life Cycle (SDLC) processes   including Waterfall, Agile Scrum and Rational Unified Process (RUP).

TECHNICAL SKILLS:

·         Banking- CCAR, FRY14A, FRY14M, FRY14M, FRY9C Capital Market, SWAP, Bond, Derivative, Fixed Income, Trading

·         Business Analysis- flowcharts, business process modeling & improvement, gap analysis, cause and effect analysis, decision tree, BRD, BRS. Requirement analysis, business rules, data flow diagram

·         Microsoft Office Tools- Project, PowerPoint MS Visual .Net, MS Project, MS-Office. Excel, Word, Project, Access, Visio, Studio

·         Methodologies-, Spiral, Rational Unified Process (RUP), V-Model, and Iterative waterfall, ETL, Informatica, Data Warehouse, AGILE SCRUM, Waterfall, PM methodology.

·         Modeling tools- UML Modeling using Rational Rose, Axure RP, MS Visio, MS Project.

PROFESSIONAL HISTORY:

Responsibilities:

• Worked on the analysis and implementation of CCAR (Comprehensive Capital Analysis and Review and DFAST (Dodd-Frank Act Stress Testing). The reporting process automation was the desired result of this assignment.
• Involved in the CCAR data analysis and reporting and designed packages with various complex transformations such as derived column, conditional split, lookup, aggregation, execute SQL task.
• Applied, tracking and managed IT SOX controls with various IT System Managers and Business Owners to help them comply with SOX audit.
• Coordinated with IT teams and Ernest & Young for IT SOX audit evidences, reports and remediation's
• Developed and produced new processes on how to make the SOX compliance more efficient
• Maintained and updated the Risk DataMart mappings as per the FED requirements for Regulatory Capital, CCAR, and DFAST.
• Prepared summary reports containing the most significant findings and submit investigation reports to the Director of Compliance and Regulatory Affairs (CRA).

·         Incorporated Federal Reserve Board’s Data requirements for CCAR submission utilizing Tactical approach for immediate compliance and then creating requirement for Strategically Sourcing the same data into submissions for subsequent reporting.

• Analysed, interpret, update & maintain various asset class i.e. Equity, fixed income, Funds, Derivatives, Money markets, Corporate Action events, etc.
• Interacted with the project team to define system objectives and scope, and identify constraints and the measures of success for the CRM system to be developed.
• Performed review, preparations, CCAR validation and CCAR Quality Assurance and took key initiatives to identify data gaps and potential areas of improvement in report preparation process for Basel compliance.
• As a part of CCAR market shock exercise prepared application mapping for FRY 14Q report.
• Developed and integrated model strategy to support business initiatives and regulatory compliance
• The Quantitative Risk Management (QRM) is a series of institutional risk modeling software and AB uses the Interest Rate/Market Risk Modeling module which focuses on liquidity risk management (LRM). The project was to upgrade the present application and generate report for CCAR stress testing scenarios. The as-is system cannot generate annually, quarterly or monthly report for CCAR reporting. But to-be system can generate FRY9C.

·         Created requirement for automation of manual CCAR submissions to source data strategically from the System of Records.

• Analyzed the new regulatory requirements of Basel Accord of all Pillar 2 and 3 phases on Market Risk calculation, monitoring and reporting, and new implementation of Comprehensive Stress Testing (CCAR/DFAST).
• Took part in documentation and implementation of User Access Control as a part of CCAR reporting.
• Designed detailed FRD, and Solution Options Document per BRD and Basel regulatory requirements using Power Designer.

Business Analyst

Responsibilities:

•         Conducted Brainstorming and JAD Session to gather Business Requirements with Regularity and Compliance subject matter experts to have a good knowledge of CCAR reporting.

•         Maintained inventory of models used to calculate projections for FR Y - 14A report.

•         Implemented business logic, data lineage mapping and traceability for Dodd Frank regulatory reports:

•         Cooperated with CCAR team on delivering of the Basel capital regulatory results to serve the CCAR various reporting forms.

•         Assisted the execution of CCAR stress testing framework including gathering requirements of multiple stress scenarios and defining data elements required by stress tests.

•         Managed bugs using Defect Tracking Tool like JIRA, review each defect and assign development team to resolve problems.

•         Worked on data modeling, data analysis and requirement documentation of product types and mapping data for FR Y-14A, FR Y-14Q, FR Y-9C, etc. by using AXIOM.

•         Involved in development phase meetings for Business Analysis and Requirements Gathering.

•         Created functional specifications requirements for reconciliations of FR Y-14A and FR Y-14Q reports.

•         Tested Axiom built reconciliation of FR Y-14A and FR Y-14Q reports to FR Y-9C report.

•         Maintained inventory of models used to calculate projections for FR Y - 14A report.

•         Implemented business logic, data lineage mapping and traceability for Dodd Frank regulatory reports:

•         Cooperated with CCAR team on delivering of the Basel capital regulatory results to serve the CCAR various reporting forms.

•         Liaised with institutional investors and private banks for derivatives product and service retailing.

•         Participated in Regulatory Reporting and CCAR teams and assisted the team with their data needs and performed UAT tests on their new models.

•         Great effort in regression testing the information or data using SQL skills, data governance and carrying data stewardship skills creating data dictionaries.

•         Assisted the execution of CCAR stress testing framework including gathering requirements of multiple stress scenarios and defining data elements required by stress tests.

•         Supported CCAR and BASEL data acquisition teams to validate and reconcile data coming from various systems.

•         Completed operational access control for commercial lending system to ensure compliance with all Sarbanes Oxley (SOX) guidelines and requirements .

•         Created and maintained database objects, creating complex, Tables, Stored Procedures, Triggers, Cursors, Views, Indexes, SQL Joins and other statements for various applications.

•         Followed Agile development methodology in the project and participated in Sprint planning sessions, Kick-off meetings and daily scrum meetings.

•         Prepared project schedule using MS Project and closely monitored the development progress and reported the same to Senior Project Manager and stakeholders.

•         Participated in Loan IQ Service Pack and version upgrade analysis (commercial lending system) and end user requirements gathering.

•         Worked as a lead modeler for the forecasts the Risk capital under difference stress test scenario. The model’s output is included as part of the CCAR submission

•         Led internal discussions on complex financial matters including but not limited to review and assurance of proper key drivers, assumptions and adjustments applicable to individual models, aggregation and reporting for CCAR purposes as well as US GAAP reporting purposes.

Business Analyst

Responsibilities:

•         The project was to coordinate in CCAR regulatory reporting. I was involved to accomplish the change request from the users and make sure the functions of CCAR reporting meet with the requirements from accountants.

•         Discussed with PM and Stakeholders from business unit to define the scope of the project .

•         Fulfilled the change requests from the users and gather the requirements of the functionality in CCAR regulatory reporting .

•         Used Axiom software to check on the workflow and data feed of CCAR reporting .

•         Creation and audit review of mathematical models (roll rate, loss-PD/LGD/EAD) to solve business problems in forecasting loan performance for consumer financial products (mortgages, credit cards, auto loans, equity lines/loans, personal loans) and commercial portfolios.

•         Turned business requirements into detailed FRD on those data and get sign off from users

•         Worked with QA team on conducting user acceptance testing (UAT) and involved in preparing a detailed user manual for all the applications.

•         Designed and developed project document templates based on SDLC methodology.

•         Designed and developed all Use Cases and UML models using Rational.

•         Established a business Analysis methodology around the RUP (Rational Unified Process)

•         Analysed, organized, and updated database using SQL.