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Pooja - Business Analyst

[email protected]

Location: Edison, New Jersey, USA

Relocation: Yes

Visa: H1B

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POOJA M SR BUSINESS SYSTEM ANALYST [email protected] 732-272-0565 Senior Business System Analyst with 8+ years of experience delivering transformation across Global Finance, Wealth & Investment Operations, Asset Servicing, Lending & LOS, Digital Payments, and Trade Finance. Skilled in working with NAV and valuation workflows, fund accounting processes, onboarding and suitability journeys, underwriting systems, UPI payment flows, and blockchain-enabled trade finance platforms. Adept at analysing financial processes, defining business and data requirements, shaping end-to-end workflows, aligning technology solutions with complex financial-domain needs. Known for strong analytical thinking, stakeholder leadership, and the ability to translate financial operations into scalable, business-driven system designs. PROFESSIONAL SUMMARY Strong grounding in global regulatory, compliance, and control frameworks, ensuring financial-system designs uphold rigorous standards across auditability, financial accuracy, data governance, encryption, access controls, and exception handling. Embedded controls aligned with SOX, IFRS/GAAP, Basel/BCBS, AML/KYC, PCI DSS, GDPR, RBI/SEBI, OCC/FFIEC, SWIFT, data-retention and privacy mandates, and internal risk & operational control practices enabling secure, compliant, and regulator-ready delivery across enterprise financial platforms at global scale and complexity. Broad experience across the full SDLC with hands-on delivery in Agile Scrum, SAFe, Hybrid, and Waterfall environments, driving complex financial-platform initiatives by integrating business objectives, SAP Finance capabilities, data and integration architectures, and regulatory constraints into a unified delivery framework while coordinating globally distributed teams, managing cross-stream dependencies, enforcing governance and quality controls, and ensuring disciplined execution, audit readiness, and continuous improvement from discovery through design, build, testing, deployment, and stabilization. Expert in driving elicitation through workshops, stakeholder interviews, Requirement workshops, Brainstorming, and Prototyping reviews, with the ability to identify gaps, validate business rules, define target-state operating models, and capture comprehensive data, integration, compliance, and reporting requirements that inform the design, architecture, development, and delivery of scalable, well-governed end-to-end financial solutions across enterprise environments. Developed comprehensive documentation across the full SDLC, including Business Requirements Documents (BRD), Functional Requirements Documents (FRD), Functional/Technical Specification Documents (FSD/TSD), Software Requirements Specifications (SRS), Source-to-Target Mapping (S2T), Data Mapping & Transformation Rules, Interface and API Specifications (Swagger/OpenAPI), Data Lineage Documentation, Process Narratives, BPMN/UML models, Change Requests, Requirements Traceability Matrices (RTM), Test Plans & Test Cases, Acceptance Criteria Packages, Release Notes, and Risk & Issue Registers ensuring end-to-end traceability, controlled implementation, and audit-ready delivery across design, build, testing, deployment, and stabilization cycles in complex enterprise environments. Strong modeling capabilities using BPMN and UML (Use Case, Sequence, Activity, Class, and Interaction diagrams) to visualize end-to-end financial processes, transaction and settlement workflows, multi-system interactions, exception and fallback paths, and data-exchange/integration points. Created detailed models in Visio and Lucidchart to illustrate rule-driven decision logic and financial event flows, enabling a unified understanding across business stakeholders, solution architects, engineering teams, and compliance partners throughout the solution lifecycle for regulated organizations at a scale globally. Well-versed in Agile and SAFe practices, managing Product and Sprint Backlogs, refining user stories, supporting estimation and prioritization, and maintaining delivery artifacts such as Burnup/Burndown charts and Product Increments. Actively contributed to PI Planning, Sprint Planning, Daily Stand-ups, Backlog Refinement, Sprint Reviews, Retrospectives, and System Demos, ensuring continuous alignment across product, engineering, QA, and cross-functional stakeholders. Applied structured estimation and prioritization techniques across SAP Finance, digital advisory, payments, lending, and trade-finance initiatives, using Planning Poker, T-shirt sizing, and the Bucket System to size features and user stories, and applying models such as MoSCoW, WSJF, and Kano to sequence roadmap items, manage cross-stream dependencies, and ensure alignment with regulatory timelines, financial-reporting priorities, and business-value delivery in Agile and SAFe environments. Adept at structuring Epics, Features, and User Stories using INVEST and SMART principles, defining clear and testable Acceptance Criteria, and ensuring adherence to Definition of Ready (DoR) and Definition of Done (DoD) while collaborating with product owners, architects, developers, and QA teams to refine business rules, validate feasibility, manage dependencies, and maintain consistent, audit-ready delivery across Agile sprints and SAFe program increments enterprise-scale initiatives. Skilled in shaping and governing API-driven architectures by producing detailed Swagger/OpenAPI specifications, modeling payload schemas, authentication flows (OAuth2/JWT), idempotency rules, exception models, and cross-service sequencing. Experienced in integrating financial platforms with event streams, analytics layers, payment networks, and distributed ledgers. Strong background in data quality, profiling, lineage tracking, and reconciliation defining rules for cleansing, standardization, auditability, and migration into enterprise financial systems, ODS layers, analytics platforms, and cloud repositories, ensuring financial accuracy across data flows across complex, regulated enterprise environments at global scale levels enterprise wide. Experienced with ETL tools and cloud-native processing for high-volume financial datasets. Extensive involvement across SIT, UAT, Integration, Regression, and Performance Testing, leading end-to-end test planning, scenario design, execution coordination, and defect triage. Validated financial flows, data transformations, posting rules, exception behaviors, and multi-system interactions through SQL-driven checks, reconciliation steps, and detailed business-scenario walkthroughs. Created test plans, test cases, and acceptance-criteria mappings, ensured full traceability in JIRA/HP ALM, prepared test summary reports for stakeholder signoff, and collaborated with QA and business users to ensure release readiness across enterprise financial platforms, supporting regulatory compliance stability and operational reliability at scale. Utilized SQL queries for financial data validation, reconciliation, and transformation across SAP ACDOCA, Central Finance staging layers, ODS/DWH environments, and cloud repositories. Applied joins, nested subqueries, Common Table Expressions (CTEs), window functions (ROW_NUMBER, RANK, PARTITION BY), aggregate functions (SUM, COUNT, AVG), conditional logic (CASE, COALESCE), and schema-driven views to verify postings, compare multi-system datasets, trace exceptions, validate migrations, and ensure the accuracy, completeness, and integrity of high-volume financial datasets. Skilled in analytical views and dashboards using Tableau, Power BI, and Excel, surfacing KPIs, reconciliation metrics, exception trends, operational throughput, and control-effectiveness indicators for leadership and regulatory stakeholders. Proficient in JIRA, Confluence, SAP interfaces, AWS platforms, Salesforce, MS Project, and Office 365, enabling multi-team collaboration, governance, release coordination, and documentation management across enterprise financial programs. SKILLS AND TOOLS Domain Skills Enterprise Finance & Accounting NAV P&L, valuations, fee calculations, treasury exposure, liquidity, intercompany, settlement, reconciliation SAP Finance Ecosystem S/4HANA Finance (FI/CO), Central Finance (cFIN), Universal Journal (ACDOCA), TRM, Group Reporting, BW/4HANA, AIF, SLT, PI/PO Wealth & Advisory Platforms digital onboarding, suitability, goal-based investing, ML-driven portfolio insights, client analytics Lending & LOS borrower intake, document workflows, credit & underwriting decisioning, funding, rule-based exception handling Digital Payments UPI collect/pay, wallet transactions, QR payments, merchant reconciliation, settlement cycles, dispute workflows Trade Finance LC issuance, document verification, bill presentation, remittance, blockchain-ledger synchronization, MT7xx/MT4xx flows Business Skills Requirements Elicitation (JAD workshops, SME interviews), Business Process Analysis, Financial Data Mapping & S2T Documentation, Risk & Impact Assessment, Controls & Compliance Analysis, Reconciliation Framework Design, Change Management, UAT Coordination, Workflow Optimization, Data Governance, Data Quality Assessment, Dashboards & KPI Reporting, API Design & Integration Governance, Exception Handling Design, Documentation & Traceability (BRD, FRD, FSD, RTM), BPMN/UML Modeling. Methodologies Agile Scrum, SAFe, Hybrid SDLC, Waterfall Project Management Tools JIRA, Confluence, MS Project, ServiceNow, Lucidchart, MS Visio, SharePoint, Office 365 (Excel, PowerPoint, Word, Teams). Visualisation, BI and Reporting Tools Power BI, Tableau, Excel Dashboards, DAX, Pivot Reporting, BW Queries, Redshift/Athena reporting datasets. Compliance and Regulatory Standards SOX, IFRS/GAAP, AML/KYC, PCI DSS, GDPR, RBI/SEBI Guidelines, Data Retention & Lineage, Audit Trails, Access Governance, Encryption Standards (AES-256, TLS 1.2/1.3), IDPMS/EDPMS/eBRC. Integration and API Management REST APIs, SOAP/OData/IDoc, Swagger/OpenAPI, JSON/XML specifications, OAuth2/JWT authentication, Idempotency & Error-Handling Patterns, API Gateway, Kafka Event Streams, AIF Validations, NPCI UPI Rails, Blockchain Smart-Contract Events, Salesforce Integrations. Databases and cloud technologies SAP HANA, SQL Server, Oracle, AWS S3, AWS Glue, AWS Redshift, AWS Athena, AWS Lake Formation, DynamoDB (where used via pipelines), Snowflake (consumption), Salesforce FSC & Experience Cloud. ETL Tools AWS Glue, PySpark, Informatica PowerCenter, Airflow, Data Profiling, Transformation Logic Design, Reconciliation Rules, Data Lineage Documentation. Test Management Swagger, HP ALM, JIRA/Xray, Selenium, Postman PROFESSIONAL EXPERIENCE State Street New York, NY Oct 2024 Present Senior Business System Analyst Project - State Street s Finance Modernization with SAP S/4HANA & Central Finance Led State Street s modernization by establishing SAP S/4HANA Finance and Central Finance as a single global financial backbone for asset servicing, fund accounting, and investment operations. Unified fragmented product, liquidity, and settlement data into standardized posting and reconciliation workflows, enabling accurate NAV P&L, valuations, and intercompany reporting. Automated close, consolidation, and exception-management processes with governed controls and full traceability. The program improved time-to-insight, elevated financial accuracy, strengthened compliance across global markets, and enhanced operational efficiency for controllers, treasury, FP&A, and executive stakeholders while supporting scalable growth and regulatory readiness. Roles and Responsibilities: Strengthened global financial governance by embedding SOX, IFRS/GAAP, BCBS 239, GDPR, and SOC1/SOC2-aligned controls into journal-entry automation, reconciliation workflows, and close-status monitoring. Ensured NAV, valuation, settlement, liquidity, and investment-posting processes adhered to enterprise audit standards and regulatory expectations across 100+ markets, enabling a unified and compliant financial backbone on SAP S/4HANA Finance and Central Finance globally. Delivered the global finance transformation using Agile Scrum, collaborating closely with SAP Finance, TRM, BW/4HANA, Integration, and Data teams. Participated in sprint ceremonies, backlog refinement, iterative build cycles, and cross-team Scrum coordination to ensure predictable delivery and continuous alignment with business and technology stakeholders. Led enterprise-wide elicitation sessions with controllers, fund accounting, custody, product control, investment operations, and treasury teams to capture functional, technical, and reporting requirements for S/4HANA Finance, Central Finance, TRM, BW/4HANA, and Group Reporting. Also, region-specific posting gaps, reporting variation for global consolidation. Conducted As-Is vs. To-Be analysis on NAV, valuation, fee, settlement, and investment-posting workflows to uncover manual reconciliation gaps, mapping inconsistencies, regional variations, and legacy data issues impacting global reporting accuracy. Defined global posting logic for NAV P&L, valuations, fees, settlements, FX, liquidity movements, and intercompany flows, ensuring accurate replication into ACDOCA as the unified financial source of truth and eliminating downstream discrepancies. Documented detailed functional specifications covering Central Finance mapping rules, AIF validations, error-handling flows, and TRM posting behaviors, enabling accurate and automated integration of finance data across diverse legacy engines. Documented Source-to-Target mappings, data lineage flows, and reconciliation rules governing NAV files, valuations, trades, settlements, and positions feeding into ACDOCA, supporting standardized finance transformation globally. Created UML sequence diagrams, activity diagrams, and BPMN workflows modeling end-to-end flows across fund accounting systems, custody platforms, investment engines, SAP S/4HANA, Central Finance, and BW/4HANA analytics with exception-handling logic in AIF to support audit readiness and operational transparency across teams globally. Developed standardized global COA, cost/profit centre hierarchies, product structures, posting keys, and document types across 100+ markets, reducing regional inconsistencies and ensuring uniform replication to ACDOCA across enterprise globally. Defined rules-based reconciliation frameworks covering NAV breaks, valuation mismatches, settlement variances, and intercompany imbalances, with automated exception detection through SAP AIF to strengthen control and auditability. Partnered with BW/4HANA and AWS engineering teams to design extraction models, semantic layers, and analytical datasets using S3, Glue, Redshift, and Athena, enabling global profitability, liquidity, exposure, and fee-income analytics. Worked with AWS engineering teams to operationalize financial datasets, reconcile ACDOCA extracts, and deliver KPI-driven dashboards enabling near-real-time visibility into fund profitability, valuations, and settlements global operations. Collaborated with SAP TRM teams to harmonize valuation postings, interest accruals, investment income, FX processes, and exposure reporting with global treasury practices and enterprise wide financial risk governance frameworks. Led SIT, integration, and regression testing cycles validating SAP postings, AIF message flows, TRM valuations, FX revaluations, and Group Reporting outputs through SQL-driven test scenarios to ensure traceability and regulatory compliance. Guided UAT across controllers, fund-accounting SMEs, treasury, and consolidation teams by preparing business-centric test cases and leading walkthroughs of Fiori apps, BW dashboards, and consolidation views for enterprise-wide readiness. Drove global change management by documenting CR impacts, aligning regional finance teams to standardized posting logic, and ensuring readiness for phased deployments across markets with clear communication training and stakeholder alignment. Environment: Agile Scrum, SAP S/4HANA Finance (FI/CO, Universal Journal ACDOCA), SAP Central Finance (cFIN), SAP TRM, SAP Group Reporting, SAP BW/4HANA, SAP MDG-F, SAP AIF, SAP SLT, SAP PI/PO, CDS Views & OData Services, SAP Fiori, HANA DB, SQL Server, AWS S3, AWS Glue, AWS Redshift, AWS Athena, JIRA/Azure DevOps for backlog & testing management. PWC New York, NY July 2023 Sept 2024 Senior Business System Analyst Project: Global Finance Harmonization & Enterprise Controls Modernization (PwC) Participated in PwC s multi-country finance transformation program to modernize fragmented ERP landscapes, eliminate regional inconsistencies, and establish a unified global finance operating model using SAP S/4HANA Finance and Central Finance. This initiative focused on standardizing R2R, P2P, and O2C processes, harmonizing global Chart of Accounts and controlling structures, redesigning month-end close governance, and enabling automated group consolidation. The program aimed to deliver a single source of financial truth, strengthen auditability, reduce reliance on manual Excel-driven activities, and enable accurate, compliant, real-time financial reporting across PwC s global network of member firms, while improving scalability, controls, and decision-making. Roles and Responsibilities: Strengthened PwC s compliance and audit posture by embedding internal control checkpoints, documentation protocols, approval hierarchies, and audit-trail requirements directly into standardized R2R, P2P, and O2C workflows. Ensured full alignment with SOX, IFRS/GAAP, statutory obligations, and PwC s audit methodology, enabling globally consistent financial governance across participating member firms and regulated multi entity operating environments worldwide. Delivered the multi-country finance harmonization program using a Hybrid SDLC model that combined structured waterfall-driven governance with agile iterations for mapping, consolidation, and master-data enhancements. Coordinated across regional finance teams, architects, consolidation SMEs, and integration specialists to ensure predictable, synchronized delivery across 20+ PwC territories while meeting regulatory timelines and enterprise quality standards. Led global requirements elicitation efforts through JAD workshops, detailed stakeholder interviews, and end-to-end process walkthroughs with controllers, regional finance leads, AP/AR teams, and statutory reporting groups. Captured differences across R2R, P2P, and O2C processes, close cycles, journal practices, and reporting structure for global standardization. Conducted rigorous As-Is vs. To-Be analysis across participating PwC firms to identify inconsistencies in GL structures, reconciliation models, journal governance, approval chains, and intercompany processes. Partnered with global process owners to define standardized future-state operating models, close-governance frameworks, harmonized reconciliation checkpoints, and consolidation-ready financial processes across complex global enterprise environments. Created comprehensive BRDs, FRDs, global process maps, and R2R / P2P / O2C workflow documentation capturing standardized COA hierarchies, controlling structures, close calendars, reconciliation checkpoints, and consolidation governance. Created UML sequence diagrams and BPMN workflows defining the unified global finance operating model. Defined and maintained detailed S2T mapping rules for Central Finance replication by analyzing legacy ERPs, GL variants, cost/profit center structures, document types, and posting behaviors. Embedded validation rules, harmonization logic, and exception-handling workflows to ensure accurate, audit-ready replication into ACDOCA across global enterprise. Created UML sequence diagrams, activity flows, and BPMN models that standardized close sequencing, journal workflows, reconciliation methods, and consolidation logic globally, supporting adoption and operational alignment across all markets. Facilitated Agile ceremonies, including backlog refinement, sprint planning, planning poker estimation, MoSCoW prioritization, and feature walkthroughs within the hybrid delivery model. Ensured product owners, regional finance SMEs, and technical teams remained aligned on priority, dependencies, and deliverable readiness across multiple workstreams. Developed Epics, Features, and User Stories in JIRA following INVEST and SMART principles; documented acceptance criteria that governed mapping validation, journal governance, reconciliation checkpoints, FX translation rules, and consolidation outputs for Group Reporting to support auditability consistency and enterprise adoption. Applied estimation frameworks such as Planning Poker and prioritization methods including MoSCoW to sequence global COA harmonization, mapping enhancements, and consolidation features, ensuring efficient progress at target-state adoption. Designed global master-data governance frameworks covering GL accounts, cost/profit centers, document types, posting keys, and company code attributes. Partnered with regional finance teams to resolve data-quality issues, eliminate duplicates, and prepare entities for harmonized replication into Central Finance across regulated global operating environments. Performed detailed data validation and reconciliation using SAP reports, SQL queries, and Excel-based models to verify COA mappings, intercompany alignment, close outputs, and consolidated balances, documenting data gaps and stabilization activities for cutover readiness and ensuring audit accuracy regulatory compliance throughout transition. Developed comprehensive SIT and UAT test plans for R2R, P2P, and O2C cycles, creating reusable test cases for journal validation, intercompany matching, close governance, posting logic, and consolidation flows. Managed defect triage, root-cause analysis, and resolution cycles with global business and technical teams to ensure release readiness. Designed and published Power BI dashboards and transformation scorecards that tracked COA harmonization progress, mapping completion, close-readiness indicators, reconciliation status, and adoption maturity across multiple PwC regions. Environment: Hybrid SDLC, SAP S/4HANA Finance (FI/CO), SAP Central Finance (cFIN), SAP ECC (legacy), SAP Group Reporting, SAP SLT, SAP PI/PO, SAP AIF (for replication validations), SAP Fiori, SAP GUI 7.8, HANA DB, JIRA v9.x, Confluence v8.x, MS Visio, Lucidchart, Excel-based reconciliation models, SQL Server for validation queries, Power BI for reporting & transformation governance, ServiceNow (Utah Release) for change management Vanguard May 2022 June 2023 Malvern, PA Business Analyst Project 1 - Goal Based Digital Advisor Vanguard launched its Digital Advisor platform to deliver a fully digital, goal-based robo-advisory experience. The solution applied machine learning and reinforcement-learning models to generate personalized risk profiles, multi-goal investment plans, and automated portfolio rebalancing. The program lowered advisory barriers, improved suitability alignment, and enabled scalable, low-cost wealth management for a broader investor base, while strengthening compliance, and advisor oversight capabilities. Project 2 - Wealth Data Lake & Client Analytics Modernization Vanguard simultaneously initiated a Wealth Data Lake modernization effort to centralize fragmented investment, account, transactional, and behavioral data into a governed cloud-native architecture. The initiative standardized ingestion from legacy flat files, SQL extracts, and vendor feeds into curated AWS layers, enabling a unified Client-360 view, improved analytics for advisors and risk teams, and stronger data lineage and compliance reporting while improving scalability, and operational resilience. Roles and Responsibilities: Ensured strong governance and compliance by embedding SOX-aligned controls, GDPR privacy safeguards, and enterprise data-classification rules across onboarding workflows, portfolio recommendations, suitability evaluations, and tax-loss harvesting (TLH) processes. Implemented data retention, lineage tracking, and encryption standards within cloud ingestion pipelines and ML-driven advisory flows to maintain full auditability of investor interactions and data transformations. Delivered the Digital Advisor and Wealth Data Lake modernization using Agile Scrum, coordinating iterative releases across onboarding, suitability, risk scoring, data ingestion, and behavioural analytics workstreams. Participated in sprint ceremonies, cross-functional stand-ups, and incremental feature demonstrations to align advisory, engineering, and compliance teams on release priorities while meeting regulatory timelines and stakeholder expectations. Led enterprise-wide requirements elicitation by conducting JAD workshops, multi-level stakeholder interviews, and end-to-end customer journey mapping to capture onboarding flows, portfolio personalization rules, multi-goal planning inputs, suitability/KYC triggers, and tax-loss harvesting decision paths. Unified needs across advisory, risk, compliance, digital channels, and behavioural analytics teams into a coherent Digital Advisor operating model across regulated environments. Conducted detailed As-Is vs. To-Be analysis of advisory workflows, model inputs, risk scoring, suitability checks, and tax optimization processes. Identified gaps in data freshness, customer-risk segmentation, event triggers, and behavioural data usage. Defined future-state workflows quantifying automation benefits, decisioning accuracy, and operational efficiency using Excel modelling, SQL-based profiling, and Power BI analytics across complex enterprise advisory platforms. Documented BRDs, FRDs, UML diagrams, BPMN flows, OpenAPI specifications, and operating procedures covering onboarding journeys, suitability logic, ML model input requirements, event triggers, data ingestion pathways, and reconciliation rules. Documented process, data, integration, and compliance dependencies to support controlled delivery. Created detailed Source-to-Target (S2T) mappings and transformation rules for ingesting investor profiles, historical behaviour, market data, suitability inputs, and tax records across S3, Glue, Redshift, and Snowflake zones. Mapped legacy schemas to normalized advisory datasets and embedded data quality checks to support ML model feature generation. Facilitated Agile ceremonies including backlog grooming, sprint planning, daily stand-ups, sprint reviews, and retrospectives across Digital Advisor and Wealth Data Lake workstreams. Ensured cross-functional consistent alignment between engineering, ML teams, risk officers, and API/data teams while maintaining predictable feature delivery. Translated complex advisory and compliance requirements into Epics, Features, and INVEST/SMART-compliant User Stories with clear acceptance criteria, Definition of Ready (DoR), and Definition of Done (DoD). Documented ATC scenarios for onboarding, suitability, TLH triggers, event-driven portfolio updates, and notification workflows globally. Defined end-to-end REST/SOAP API specifications using Swagger/OpenAPI, covering investor onboarding submissions, suitability scoring, TLH trigger events, portfolio allocations, behavioural signals, and trade-lifecycle messages. Documented payload schemas, OAuth2/JWT authentication, idempotency rules, timeout handling, error models, and retry patterns to support resilient advisory workflows across regulated enterprise environments with high availability. Collaborated with architects to define Kafka event schemas for onboarding events, suitability risk updates, drift detection, TLH signals, and trade lifecycle callbacks, embedding validation rules, timestamps, lineage into each event model. Partnered with data engineering teams to design ETL pipelines using PySpark, Airflow, and Informatica for ingestion of investor profiles, behavioural analytics, market data, and model inputs. Implemented data quality controls, schema validation, deduplication rules, and lineage tracking to ensure accurate ML-feature generation and advisory insights. Implemented governance frameworks that enforced retention policies, metadata tagging, lineage capture, encryption, and access controls across S3, Redshift, Glue, and Snowflake, ensuring all investor, transaction, and behavioural datasets remained compliant and audit-ready across global multi-entity regulated financial enterprise environments. Developed SIT and UAT test plans, automated regression scripts (Selenium, JUnit), and RTM-based traceability for onboarding flows, suitability questionnaires, ML-driven advice, TLH triggers, and portfolio updates. Oversaw defect triage, executed test scenarios, validated model outputs, and ensured regulatory and business alignment with advisory outcomes. Utilized advanced SQL to validate investor data ingestion, ML-feature datasets, suitability outputs, TLH triggers, and behavioural analytics transformations across OLTP and OLAP layers such as Redshift and Snowflake. Ensured accuracy, completeness, and end-to-end reconciliation supporting regulatory reporting auditability and decision confidence. Built Power BI dashboards using DAX measures, drill-down hierarchies, trend analysis, and role-based access models to surface reconciliation accuracy, onboarding volumes, TLH outcomes, suitability classification segments, behavioural trends, and advisory KPIs for business leaders and compliance teams across global regulated environments. Environment: Hybrid SDLC, JIRA v8.20, Confluence v7.13, MS Project 2019, ServiceNow Quebec Release, React v17, Node.js v14 LTS, Apache Kafka v2.8, Airflow v2.2, Informatica PowerCenter 10.5, PySpark 3.1, Python 3.8, SQL Server 2017, Oracle 19c (legacy), AWS Cloud (S3, Lake Formation 2021, Glue v3.0, Redshift 2021, RDS MySQL 8.0, DynamoDB 2021), AWS SageMaker (training/inference), Selenium v4.0, JUnit 5, HP ALM 15.5, Jenkins 2.319.3, Ms Visio, Power BI 2021, Datadog APM 2021. Key Bank Dec 2019 July 2021 Cleveland, OH Business Analyst Digital Transformation of Loan Origination System with Cloud Enablement Modernized KeyBank s enterprise Loan Origination System (LOS) by delivering a fully digital, borrower-centric and loan officer experience, and re-engineering legacy LOS workflows into a cloud-native, API-driven architecture. Enabled automated document ingestion, OCR/AI-based validation, credit bureau pulling, and KYC/fraud decisioning through integrated microservices. Orchestrated automated underwriting workflows using rules engines and event-driven messaging, delivering real-time status visibility, auditable decision trails, cloud resiliency, and 30 40% reduction in loan approval time. Strengthened compliance posture and operational efficiency across intake, underwriting, and funding cycles while enabling scalable cloud-based lending growth. Roles and Responsibilities: Ensured full regulatory alignment across lending, underwriting, and document-processing workflows by embedding GLBA privacy safeguards, AML/KYC controls, OCC/FDIC lending expectations, Fair Lending / ECOA rules, UDAAP guidelines, PCI-DSS encryption standards, and adverse-action (AAN) compliance. Strengthened audit readiness by enforcing encrypted storage, retention policies, audit logging, and role-based access through Azure Key Vault, WORM storage, Shield Encryption, and Salesforce Field Audit Trail across regulated enterprise financial environments. Delivered the program under a structured Waterfall SDLC, supporting project governance through WBS development, scope management, dependency mapping, RAID tracking, and milestone planning. Collaborated with the PMO to maintain documentation baselines ensuring phase-gate approvals across requirements, design, build, SIT, and UAT cycles. Conducted comprehensive elicitation through stakeholder interviews, JAD workshops, underwriting deep-dives, and regulatory consultations to capture functional, non-functional, and compliance requirements across borrower onboarding, underwriting processes, document management, KYC / credit checks, decisioning logic, and exception pathways. Produced detailed BRDs, FSDs, user stories, acceptance criteria, and RTMs describing underwriting queues, decision rules, fraud / KYC alerts, exception routing, borrower intake flows, e-sign workflows, and SLA monitoring requirements across loan officers and underwriting teams to support audit readiness and regulatory traceability globally. Modeled end-to-end lending workflows using BPMN and UML sequence / activity diagrams, covering borrower intake, eligibility evaluation, document capture, automated underwriting triggers, exception routes, credit pull sequences, OCR / KYC steps, and post-decision correspondence to ensure regulatory compliance audit readiness enterprise wide. Created SMART / INVEST-aligned user stories, clear acceptance criteria to ensure testability, traceability, completeness across LOS workflows, document automation, automated underwriting rules, KYC / credit verification processes. Defined API specifications in Swagger / OpenAPI for Salesforce Azure microservices credit bureaus KYC / OCR vendors, documenting endpoints, authentication models (OAuth2 / JWT), payload schemas, event flows, idempotency needs, and integration sequencing for decisioning, credit pulls, and document validation at scale globally. Led cloud migration design by defining Source-to-Target (S2T) mappings, profiling rules, and transformation logic for moving LOS datasets from SQL Server / Oracle into Azure Data Lake, Azure SQL, and Synapse Analytics. Ensured <0.1% variance through detailed lineage documentation, business-rule mapping, and automated reconciliation frameworks. Designed automated underwriting orchestration using MuleSoft and Kafka event streams by mapping document-validation events, credit bureau triggers, KYC checks, decision-engine evaluations, and exception-handling flows into standardized microservice-based patterns ensuring scalability resilience fault tolerance and regulatory compliance. Planned and executed SIT, UAT, regression, and exception-based testing across underwriting rules, credit-pull integrations, KYC edge cases, document automation workflows, and loan-decision outputs. Performed defect triage, root-cause analysis, and retest verification aligned to Waterfall test cycles to ensure regulatory compliance and readiness. Used advanced SQL joins, aggregations, window functions, and conditional logic to validate data movement, underwriting rule outputs, KYC exceptions, document classification, and decisioning accuracy across Azure SQL, Synapse, and source LOS systems to support auditability traceability and regulatory reporting enterprise-wide globally. Supported cross-functional reporting by designing operational and compliance dashboards in Power BI and MS Project, tracking underwriting throughput, SLA performance, exception volumes, regulatory checkpoints, optimization metrics. Environment: Waterfall SDLC, Salesforce FSC & Experience Cloud Winter 20, Shield Encryption, UiPath v2019, MuleSoft v4.3, Kafka v2.4. AWS Cloud (S3, RDS PostgreSQL 11, Textract, Redshift RA3, Glue 2.0, Lambda, IAM/KMS), Informatica 10.4, PySpark 2.4, Python 3.7, SQL Server 2017, Oracle 12c.SwaggerHub v3.5, Postman v7.12, Jenkins 2.190, Selenium v3.14, Cypress 3.8, HP ALM 12.6, JMeter 5.2, Prometheus/Grafana 2019, MS Project & Power BI Pro 2019, MS Visio 2019. Yes Bank Bangalore, India Jan 2018 Nov 2019 Business Analyst YesPay Wallet Launch & UPI Integration Spearheaded the launch and enhancement of Yes Bank s mobile-first digital wallet integrated with UPI and NPCI APIs, enabling real-time P2P/P2M payments, QR-based merchant acceptance, and third-party fintech interoperability. Supported post-demonetization digital adoption by advancing the bank s open API strategy, strengthening platform scalability, and embedding RBI, AML/KYC, and PCI DSS aligned security controls while improving reliability, compliance, scalability, and trust. Roles and Responsibilities: Embedded RBI mandates, PCI-DSS requirements, and AML/KYC controls into wallet and UPI workflows, enforcing AES-256 encryption, TLS 1.2/1.3, tokenization, device binding, velocity rules, and fraud controls to ensure compliant P2P, merchant, and settlement processing on NPCI rails across regulated high-volume payment ecosystems nationwide. Delivered wallet and UPI modernization using Agile Scrum, managing JIRA backlogs, refining epics, features, and user stories, coordinating cross-functional dependencies, ensuring regulatory functional priorities were met across iterative releases. Led end-to-end requirements elicitation and documentation through stakeholder interviews, JAD workshops, and compliance sessions, producing BRDs, FRDs, RTMs, workflows, and UML/BPMN models covering onboarding, UPI collect/pay flows, settlements, refunds, reversals, and dispute handling across regulated enterprise-scale payment platforms. Defined API and integration specifications for wallet, UPI, and fintech partners using Swagger/OpenAPI, documenting OAuth2/JWT authentication, idempotency, retries, callbacks, payload schemas, and NPCI-driven reconciliation events for seamless third-party integration across high-volume regulated payment ecosystems nationwide at scale. Executed data validation and testing across SIT, UAT, and regression cycles, reconciling NPCI files, wallet ledgers, settlements, refunds, and disputes using advanced SQL, automated test scripts, RTM-based traceability ensuring accuracy. Enabled operational visibility and partner onboarding by building Tableau dashboards for transaction trends, fraud velocity, SLA breaches, and regulatory KPIs, while supporting fintech sandbox testing, certificate exchange, NPCI simulators, and production cutovers ensuring adoption monitoring and compliance assurance across regions. Environment: Hybrid SDLC, Salesforce FSC (2017), NPCI UPI APIs (v1.3), RESTful APIs (OpenAPI 3.0), Lucidchart UML, JIRA v7.3, HP ALM v12.5. AWS Cloud (S3, RDS PostgreSQL 9.6, EC2, Lambda), Kafka v1.0, RabbitMQ 3.7, SQL Server 2016, Oracle 11g. QA & Monitoring: Selenium v3.8, Postman v6.0, Tableau Desktop 2018, MS Excel 2016. Security & Compliance: AES-256, TLS 1.2/1.3, Tokenization, RBI/PCI DSS, AML/KYC ICICI Direct Bangalore, India July 2016 Dec 2017 Business Analyst Blockchain-Enabled Trade Finance Platform Led business analysis efforts for one of India s first blockchain-enabled trade finance modernization programs, transforming manual, paper-intensive cross-border and domestic trade processes into a fully digitized ecosystem. Enabled secure digital document exchange, automated LC and remittance workflows, real-time visibility, and near-zero reconciliation mismatches across 250+ corporate clients through a shared, tamper-proof distributed ledger, while strengthening transparency, and operational efficiency. Roles and Responsibilities Strengthened regulatory compliance and operational integrity across the trade lifecycle by embedding RBI trade guidelines, AML/KYC checks, ICC/UCP600 rules, IDPMS/EDPMS/eBRC reporting requirements, and immutable audit trails within blockchain workflows. Ensured end-to-end traceability across LC issuance, document verification, bill discounting, supplier financing, and remittances through AES-256 encryption, TLS 1.2/1.3, role-based controls, and tamper-proof ledger governance across global multi-entity regulated trade finance environments at scale. Delivered the blockchain trade finance platform using a Hybrid SDLC, combining structured requirement phases with iterative design, testing, and deployment cycles to support both SAP dependencies and blockchain enhancement sprints. Coordinated with business, IT, and consortium banks to maintain controlled releases and validate ledger workflows and integration behaviors while meeting regulatory timelines and enterprise-grade security expectations globally. Led extensive As-Is / To-Be requirements elicitation and future-state design across exporters, importers, trade operations, compliance, treasury, and partner banks, conducting JAD workshops and document-level walkthroughs to transform manual LC issuance, document scrutiny, bill discounting, supplier financing, and remittance workflows into automated, blockchain-enabled processes across regulated multi-party cross-border trade finance ecosystems globally. Authored comprehensive functional and process artifacts, including BRDs, FRDs, BPMN 2.0 workflows, UML sequence/activity diagrams, and blockchain state diagrams, capturing the future-state LC lifecycle, document exchange patterns, approval steps, compliance checks, payment triggers, ledger updates, and multi-party handshake protocols. Defined end-to-end integration and data frameworks, covering SAP Trade Finance, blockchain smart contracts, OData/IDoc interfaces, SWIFT MT7xx/MT4xx messages, and regulatory reporting systems. Produced user stories with Acceptance Criteria, RTMs, S2T mappings, data lineage, and deterministic transformation logic to ensure audit-ready replication across SAP HANA and blockchain nodes for enterprise-wide compliance scalability and resilience. Designed and executed SIT, UAT, regression, and negative-testing cycles, validating blockchain state transitions, ledger synchronization across consortium banks, SAP postings, SWIFT message sequencing, compliance checkpoints, and exception scenarios. Used SQL to reconcile SAP HANA tables and blockchain audit logs, supported go-live readiness, tested digital document exchange, and onboarded 250+ corporate users to the platform across global enterprise environments. Environment: Waterfall SDLC, SAP HANA 2.0, SAP Trade Finance (OData/IDoc), Hyperledger Fabric v1.0, SWIFT MT7xx/MT4xx, Oracle 12c, SQL Server 2016. Tools: JIRA v7.2, HP ALM v12.5, Selenium v3.8, Lucidchart BPMN, MS Visio 2016. Security & Compliance: AES-256, TLS 1.2/1.3, AML/KYC, RBI IDPMS/EDPMS, eBRC. EDUCATION AND CERTIFICATION EDUCATION: Master of Science; Major: Business Analytics| Trine University, Detroit, MI, USA Bachelor s in Computer Applications| GITAM University, Hyderabad, Telangana, India CERTIFICATIONS: Scaled Scrum Expert (SSE ) | Scrum Master (SM03 ) | Certified Business Analysis Professional (CBAP ) Keywords: quality analyst artificial intelligence machine learning javascript business intelligence sthree database information technology golang business works hewlett packard purchase order microsoft mississippi Arkansas Colorado Michigan New York Ohio Pennsylvania