Neha Agarwal

(248) 462-7344
[email protected]
PROFESSIONAL SUMMARY
 Results-driven Senior Business Analyst / Project Manager with over 10+ years of experience in leading complex, global projects.
 Expertise in Swift messages, payment systems, and financial instruments. Proven track record of creating comprehensive project documentation and
collaborating seamlessly with diverse teams.
 Experienced in all phases of the Software Development Life Cycle (SDLC) including requirements gathering, design, development, testing and deployment.
 Competent in analysing the current business process and creating future state business process flows using industry standard BPM notations
 Strong subject matter understanding in Risk assessment, Derivatives, Fixed Income Assets, Mutual Funds, Hedge Funds, Portfolio Analysis and Investment
Banking.
 Leveraged in-depth knowledge of payment systems including Swift, Fedwire, and Chips to optimize transaction flows and ensure compliance with regulatory
requirements.
 Seeking an opportunity to leverage my skills and experience to drive success in a dynamic financial environment.
 Has proven history of success enhancing Wealth Management, Payments processing and Retail banking.
 Conducted detailed analysis of different financial instruments, including derivatives, providing valuable insights for investment strategies and risk
management.
 Tools used include SQL Server 2016, SSMS, SSRS, SSIS, Power BI, MS Access, Visual Basic and SharePoint.
 Developed and implemented MQ configurations to optimize message flows and enhance system performance.
 Exceptional working experience in GAP analysis and understanding of the AS-IS and TO-BE business processes
 Expertise in conducting Stakeholder Analysis to define process stakeholders, and their roles & responsibilities towards the project.
 Excellent experience in Waterfall as well as Agile (Scrum) methodologies of Project Management.
 Understanding of OTC derivative products such as Options, Futures, Forwards, Swaps, Credit Derivatives, Credit Default Swaps, Credit Linked Notes.
 Adept with different software development methods like Water Fall, Rapid Application Development (RAD), Rational Unified Process (RUP) and Agile
(SCRUM) Method.
 strong financial modelling background, support financial manager in developing long-term strategic financial plan to comply FASB (ASC842) and IASB
(IFRS16).
 Holds strong domain experience across Digital Banking, Core Banking, Retail and Business Banking, Payments, Mortgages, Loan Life Cycle, ITIL, GRC and CRM.
 Extensive knowledge in Payment’s processing and SWIFT messaging standards. Have good knowledge of
 Strong understanding of Equities and Fixed Income products with respect to Brokerage Operations, Margin trading Securities Lending.
 Strong knowledge in capital market products, Treasury, Asset Liability Management (ALM), Custodianship, Asset management, Derivatives.
 knowledge of product and services such as Banking & Financial domains
 Excellent understanding of Data services, Data ETL using SQL query tools and applications.
 Utilized tools such as Jira, Confluence, and Service Now to facilitate seamless project communication, collaboration, and tracking.
 Collaborated with the Product Owners and Scrum Master on identifying the Product Backlog, Sprint Backlog, and in mapping stories to releases.
 Experience of Investment Management, Risk Management, Asset Management, Prime Brokerage Services, Money and Capital Market Instruments.
 Experience working on projects with blended Waterfall and Agile environments.
 Excellent skills in facilitating Joint Application Development (JAD) for eliciting functional requirements that support the High-Level business requirements.
 Experienced working with major clients in Investment Banking, Wealth Management, Mutual Funds Services and Registers & Transfer agency.
 Facilitating priority meetings with stakeholders to help business understand the impact of the JIRA in prioritizing them.
 Expertise in digital Payment concepts- domestic and international payment systems and processes, ACH, remittance, SWIFT, Wires, Real time payments,
Payment Hub.
 Extensive experience in Capital Markets, Corporate Banking, Financial Asset Management, Insurance/Mortgage Markets and their Business Processes.

TECHNICAL SKILLS:
 Operating Systems: Windows, UNIX
 Testing Applications: Rational Test Manager, HP/Mercury QTP, HPQC
 Suites: Microsoft SharePoint, MS Project, MS-Office (Word, Excel, Power Point, Outlook, Adobe Photoshop)
 Requirement and Document Tools: Rational Requisite Pro, Rational Clear-Quest, DOORS
 Business modelling Tools: Rational Rose, Enterprise Architect, Visual Paradigm, Microsoft Visio

PROFESSIONAL EXPERIENCE

PNC Bank – Taxes Sep 2021 – Present

Business Analyst
 Directed high-level requirements gathering sessions with Business Owners, Users, Departmental Heads, SME’s and end customers for elicitations by means
of JAD sessions, Interviews, Surveys, Focused Groups, and Brainstorming Sessions.
 Successfully managed and led a portfolio of multi-million-dollar projects involving cross-functional teams across global locations, ensuring projects were
delivered on time and within budget.
 Demonstrated expertise in Swift messages, specializing in Swift payments and Cash Management messages, resulting in streamlined transaction processing
and reduced errors.
 Proactively monitored and adapted to ISO 20022 changes, ensuring seamless transitions and compliance with industry standards.
 The Project included automating interfacing with other banks through Swift for updating the financial transactions.
 Produced business cases, functional specifications, data validation mapping, SRS, BRD, FSD, non-functional specifications, use cases, RTM, mockup Screens
and user stories for web and mobile application changes and enhancements.
 Administered and configured Jira projects, workflows, and boards to align with project requirements.
 Extensive experience in Swift trade & confirmation, ensuring accurate and timely processing of trades and minimizing settlement risks.
 Conducted Gap analysis to understand new business model and additional functionalities to be incorporated into the new application.
 Facilitated Scrum of Scrum for offshore teams and assisted RTE in facilitating PI Planning meetings, PI demos and PI Retrospectives.
 Used SQL, Python, Excel, and other tools to create reports and develop practical solutions to challenges for operations, engineering, and sales.
 Designed and implemented multiple dashboards using Power BI - PowerPivot & Power Query tools for in house metrics.
 Validated the MT to MX mapping as per ISO 20022 and coordinated with the product owner in mitigating any impact.
 Expertise in messaging systems like MQ, NDM, and SFTP, enhancing data transmission efficiency and reducing processing time.
 Identify and assess new and existing risk and elevate any concerns to Capital Markets Senior Management to mitigate bank exposure or potential loss.
 Testing included: functionality of web site, automatic order upload, real time payment processing, bug fixes, and customization requests.
 Successfully managed UAT activities for Data Assurance, Data Quality, Credit Risk Management, Management Accounting, and Treasury systems, achieving
all major milestones and deadlines.
 Managed NDM configurations and configurations for secure and efficient file transfers between systems.
 Created and maintained a variety of project documents including project plans, Functional Requirements Documents (FRD), Business Requirements
Documents (BRD), and process flows, ensuring alignment with business objectives and IT capabilities.
 Validated the test data in DB2 database on Mainframes using SQL queries.
 Providing knowledge required for the claim handlers, claim zone liaison to process claim payments.
 Created DB on SQL Server, which included Tables, Schemas, Views, Accounts, and Application Roles.
 Conducted PCI-DSS Business and IT Security Gap Analysis, by suggesting PCI credit card processing gap remediation.
 Strong Subject Matter expertise in Fixed Income, Equities, Equity Trading Cycle, Portfolio Analysis, Bonds and Bond Trading Cycle, Bond Pricing, Derivatives,
Portfolio Management and Wealth Management.
 Established and configured secure SFTP connections for transferring sensitive and confidential data.
 Responsible for handling inter-bank communication related to exports through SWIFT messages.
 Configured and customized Service Now forms and workflows to align with specific organizational processes.
 Led Value Stream mapping sessions enhancing capacity and data protection provisioning, diminishing the sum of time to benefit, and convey on quality data
lined up with Information Risk Management practices.
 Conducted impact assessments to evaluate the effects of ISO 20022 changes on various aspects of the business, including systems, processes, and reporting.
 Collaborated with IT teams to implement IT service management (ITSM) solutions using Service Now.
 Experience in working with Chip Credit card payments processing Euro pay, Master card.
 Prepared GAP analysis and Risk analysis via Document Analysis and Interface Analysis to understand the new business model and additional functionalities to
be incorporated in agreement with the online processing compliances.
 Expertise in working collaboratively with Development team, mobile banking, Vendor, Automation team, Performance team, Business, BA, BSA, Solution
architect, Accessibility team & UI/UX
 Led ETL workshops to comprehend requirements for Data Warehouse Design (Extraction, Transform and Load) activities on the databases and worked
closely with the Product Owner for master data management.
 Coordinated between Business and Marketing teams to document specifications for Primary or Down-sell Credit card products offered for different market
segments.
 Created and maintained a variety of project documents including project plans, Functional Requirements Documents (FRD), Business Requirements
Documents (BRD), and process flows, ensuring alignment with business objectives and IT capabilities.
 Analysed and monitored credit card application and reported possible risks to the management and ensured compliance.
 Created and formatted reports, presentations, and documents using Microsoft Word, Excel, and PowerPoint.
 Worked with integration services for exchanging and assessing data from disparate sources like Excel, CSV, flat files, and Text Format Data and integrating
them in to data marts. Implemented SQL queries to perform basic CRUD operations.
 Developed complex Excel spreadsheets and models for data analysis, financial forecasting, and project tracking.
 Extensive experiences in Investment Banking specialized in Trading Securities, and wealth management and risk management.
 Worked with SMEs of different groups to gain detailed knowledge of Treasury Services, Commercial Loans, and RSA SecurID Setup to understand the cross
impacts of the system.
 Implemented Front End to a Fixed Income Derivatives Trading System, including trade blotter and interfaces to risk management, accounting, and middle
and back office.
 Assisted new team members on MDM technologies and project domain.
 Created a mapping artifact that maps every one of the fields in the HTML pages to XML labels, which are then mapped with the tables and section names in
the database and associated with performing customer side approval on the new framework.
 Used SSRS and MS Access to do daily data analyses on the data integrity of the feeds and on the load to the Confidential DB. Produced daily report.
 Excellent understanding of EFT system (such as ACH, Fed Wire, BACS, CHIPS, FIX, SMAC, Automated Cash management and Prime Brokerage).Knowledge of
Online Banking and the whole Fund Transfer process
 Proficient in writing advanced SQL queries with ability to analyze large volumes of data. Implemented SAS/Market max retail space management software
solution on an Oracle database platform.
 Plan, Test and Install new add-ons/plugins in JIRA, Confluence, Bitbucket, Jenkins, SonarQube.
 Developed and maintained comprehensive project documentation, including design documents, technical specifications, and process flows, using
Confluence.
 Researching payments, processing reversals, ensuring state farm meets NACHA compliance.
 Conducted manual testing, automation testing, Smoke testing, Black Box testing, Regression testing and User Acceptance Testing (UAT) in conveying testing
standards and created test cases, test scenarios and test plans using HP QC ALM.
 Participated in gathering requirements involving stakeholders within bank treasury department like business users and subject matter experts.
 Worked with data models with complex relationships in Power BI and connected different data sources to Power BI desktop.
 Developed Dashboards that provided reports related to transaction details, customers details, patterns recognized, social media details, customer account
details with the use of various matrices utilizing Tableau.

UBS, Weehawken, NJ Jan 2019 – July 2021

Business Analyst
 Business Requirement Documents detailing product controllers’ functional requirements and outlining migration procedures for Front Office, real-time
trading systems to new Cobra P&L system.
 Organized weekly meetings with Development team, DWH, PMO, and Prod Control representatives to review project status and issues and prepared
minutes highlighting items discussed and to be followed up.
 Collaborated closely with cross-functional teams to assess the readiness of systems and applications for ISO 20022 compliance.
 Develop creative solutions to complex problems, validate requirements with stakeholders, and provide the optimal IT solution using JIRA.
 Provided regular updates on status of project issues and defects (utilizing JIRA tool) for Project Lead PM
 Created business use case, functional (FRS) and technical specifications for trading system.
 Heavy utilization of Excel, Access, Visual Basic, and SQL queries in extracting and analyzing test data.
 Conducted regular audits and assessments of Service Now configurations to maintain data accuracy and system integrity.
 Build thoughtful and detailed models (such as regression analysis and classification using R/Python) to support business cases and to forecast the outcomes
 Extracted data from multiple data source, write python (scrapy package, selenium) scripts to scrape data and images from ecommerce websites (web
scraping)
 Utilized Power Query in Power BI to Pivot and Un-pivot the data model for data cleansing and data massaging.
 Trained team members on advanced features and shortcuts in MS Office applications to improve productivity.
 Skilled in Domestic and International payments processes like SWIFT, ACH, Fed wire, Domestic Clearing, ISO20022.
 Created and distributed regular updates and communications to stakeholders regarding the progress of ISO 20022 compliance initiatives.
 Conducted training sessions for users on best practices for utilizing SFTP for secure file transfers.
 Assisted Development team in creation of Functional Specification documents to remedy defects and issues.
 Built SSIS packages to Load data from source systems to Data warehouse.
 Used python packages (Pandas, Numpy, Scikit learn) for feature engineering and machine learning models.
 Worked with all front office systems in ensuring the smooth implementation of trade processing using SWIFT messaging and other protocols for settlements.
 Strong subject matter expertise in Investment/Retail banking, financial statements, cash flow, financing structures, Foreign Exchange FX Risk Management,
Capital Management.
 Involved in implementing Oracle MDM system and defined master data that connects to transactional system and Data warehouse.
 Implemented SAS/Market max retail space management software solution on an Oracle database platform.
 Designed, coded, and tested complex SQL and VBA scripts to create an interface between the SQL Server and Excel.
 Heavy Visio documentation of current & future work processes and utilization of VBA & SQL queries.
 Substantial accounting and operational exposure to multiple Equity & Fixed Income products including Exchange -Traded & OTC Derivatives (Options, swaps,
ETFs) and Interest Rate & Credit Derivatives.
 Supported rollout ISO 20022 pain messages that support payment initiation and customer report delivery.
 Worked with business users to gather the requirements and coordinated with Project Manager and SME to understand the feasibility of their need.
 Capital Market conducted JAD sessions, analyzed impact to Wealth Management (WM) applications and developed.
 Communicated and ensured compliance of all policies and procedures within the retail organization.
 Good knowledge in Payment area like interaction with Clearing, payment file formats ISO20022, SEPA and SWIFT
 Prepared BRD’s from the collection of the functional requirements from the System users.
 Worked on Agile/Scrum development methodology.
 Good knowledge in implementing Adobe AEM templates, components, workflow, style sheets, tagging and performing CMS administration tasks
 Created Mock-up for ACH payment workflow and review and configure API's into existing application to accept payments through multiple channels.
 Facilitated (JAD) Joint Application Development sessions to identify the business rules and requirements and then documented them in a format that can be
reviewed and understood by both business people and technical people.
 Studied and analyzed competitor's applications and brainstormed to gather effective requirements for a quality product.
 Engage in project initiation activities such as developing the Project Charter, Project Scope and assisting the management in resource and budget estimation.
 Produced and managed project plans for major IT implementations through agile project method.
 Liaison with the business (Credit risk users and Finance controllers), the reporting team and the technology team for various reporting requirements for Data
Quality.
 Conducted Confluence workshops and training sessions to educate team members on best practices for documentation and collaboration.
 Created Business Requirements Document and converted them into System Requirement Specifications Document.
 Extensively used SQL Queries and performed Data Analysis.
 Provided solution for database requirements by designing controls, data fields and data formats. Worked in legacy system migration from Lotus Notes to
Oracle.
 Implemented Business Modeling, Data Modeling, and Object Modeling using MS Visio to develop the business architecture for the application.
 Published many reports and visualizations created to the Power BI service and thereby develop dashboards.
 Analyzed and looked for the deference's between production data, staging data and new system core and reference tables for Trade System Project.
 Analyzed Requirements and created Use cases, BPM, Use Case diagrams, Activity Diagrams using Enterprise Architect
 Created and managed project templates, use case project templates, requirement types and traceability relationship in Requisite Pro.
 Loan origination and maintenance of credit files according to federal banking guidelines.
 Worked Extensively on ETL process using SSIS package
 Used Rational Clear Quest for defect tracking and change management request and reported them.
 Trained the business users on AEM content authoring, Digital Asset Management and workflows.
 Studied requirements thoroughly and prioritized for inclusion in website redesign process by taking approval from stakeholders.
 Provided regular updates on status of project issues and defects (utilizing JIRA tool) for Project Lead PM.
 Created application on the front end in Excel, which included User Login Security, and interfaced with data on the SQL Server.
 Worked with DWH development in order to ensure the requirements and project goals are being met
 Used BEA (BPM Tool) to map Process flows and migrated Visio Process flows into BEA Tool.
 Created Test Strategy developed UAT Test cases and execution of Test cases
 Prepared test plans and executed Unit, Integration, User Acceptance testing using test cases to endure that the systems conformed to specifications of
business requirements & performance criteria.

Ally Bank, New York, NY Dec 2017 – Nov 2018

Business Analyst
 Communicated with Line of Business and created Business Requirements Document (BRD), High Level Diagram (HLD), and part of Low-level Diagram (LLD).
 Analysed Loan files XML Schema. If necessary, created elements and attributes with consultation from Line of Business (LOB), for passing loan file
information from one service to another.
 Supported and mediated implementation of the bank's digital products for retail line of business and Managed consumer digital banking platform Involved in
migration and enhancements to the Online and Mobile Banking platform.
 Stayed abreast of updates and revisions to the ISO 20022 standard, ensuring a deep understanding of its evolving requirements and implications.
 Facilitated system maintenance and enhancement through design documents, process flow diagrams, use case diagrams etc.
 Execute day to day migration activities for Risk and Credit systems with success.
 Provided end-user support and training for Service Now, empowering teams to utilize the platform effectively.
 Setup and configured Authoring and Publishing environments, replication agents, AEM dispatcher to cache the landing pages' html and serve as the static
pages from Apache.
 Analysed system impacts as a result of proposed changes. It entailed interaction with other systems users and Subject Matter Experts (SMEs).
 Provided quantitative analytical services to portfolio managers and senior leadership in areas including risk management & modelling, portfolio construction
& optimization, asset allocations, and liquidity & hedging.
 Conducted thorough analyses of ISO 20022 message schemas and specifications to identify impacts on existing systems and processes.
 Executed Fit-Gap Analysis to determine processes that provide highest probability of success.
 Used Macros in Excel to create and update data.
 Provided Capital Markets subject matter expertise to the IT team throughout the project. Reviewed development and test deliverables as needed
 Gathered functional requirements, analysed workflows and created narrative Use Cases to develop new process workflows for the Wealth Management
 Communicated with stakeholders, team members and other project managers on project status, including progress, risk and any issues that may have an
impact on project delivery.
 Work on each release JIRA, then walkthrough test results with the businesspeople to close them
 Analysed the existing Wealth Management platform and provided recommendations to optimize the data flow
 Assisted with developing policies and departmental procedures for payment posting and billing
 Efficiently monitor project deliverables, milestones, and required tasks to successfully complete capital markets projects across multiple regions and
stakeholders
 Knowledge in trading securities lifecycle - Front office, Middle office and Back office functions. Trade Execution/Capture
 Always staying informed of emerging project management and Agile trends and best practices through contact with industry experts, peers, internal and
external, and professional organizations
 Educate and reinforce scrum methodology and agile framework to team members and key stakeholders.
 Liaison with the business (Credit risk users and Finance controllers), the reporting team and the technology team for various reporting requirements for Data
Quality
 In depth understanding of the financial concepts like Fixed Income, Bonds and Bond Trading Cycle, Bond Pricing, Equities, Trade Cycle, Derivatives
 Worked on GAP Analysis, Test Plan document, Project Plan, Traceability Matrix, User Acceptance Testing (UAT), and SWOT analysis.
 Prepare and test data for international metric including Wholesale credit, Investments, oil, gas, Libor, credit cards and commercial information
 Proficient in creating User Acceptance Test (UAT) Plans and implementing and coordinating UAT.
 Used Agile Development methodology throughout Project Life Cycle.
 Collected, reported, and refined agile metrics to quantify and communicate team performance
 Attention primarily focused on capital markets and commercial lending in an effort to raise the bank’s domestic credit rating to meet regulatory compliance
mandates.
 Requirements were gathered through interactions and meetings and periodic walkthroughs with loan analysts, credit analysts and other potential users of
the application.
 Assisted project team in troubleshooting and finding solutions to unforeseen issues (dashboard and Excel Client) to automatically generate visualized reports
for stakeholders on a regular basis.
 Wrote complex sequential SQL queries and to generate statistics, and developed Excel pivot tables to report the results.
 Produced scheduled and on-demand risk management reports including building new reports and report delivery within defined time frames
 Designed screen layouts for proposed solutions, user interactions. Also, created screen mock-ups.
 Daily maintenance of credit risk application/credit batch; monitoring overage reports and breaches of counterparty credit limits, track bug fixes, Coordinate
resources across various applications, operations or projects
 Design, Integrate and implement controls to prevent operating exposures and increase business improvements in Capital Markets area.
 Assisted with drafting provider manuals and business requirements documentation concerning payment methodologies
 Tracked the project flow and acquired sign-offs from Business, System Development and Quality Analysis team.
 Wrote and tested Excel macros that significantly reduced the amount of time needed to reconcile accounts from Credit systems to the General Ledger on a
daily, monthly, and quarterly basis
 Provided solution for database requirements by designing controls, data fields and data formats. Worked in legacy system migration from Lotus Notes to
Oracle.
 Worked on web based virtual payment, card payment and mobile banking payment application systems.
 Used different in-house software to track data flow, system interactions, system defects, service requests and responses.
 Created master specification for web services- their functionality, interaction with other web services, processing logic, input & output schema, and process
flow with Logical Data Element.

TD Group US Holdings, Cherry Hill, New Jersey Feb 2013 – Oct 2017
Business Analyst
 Interacted with business area experts, IT experts asking detailed questions and carefully recording the requirements in a format that can be reviewed and
understood by both business and technical teams across organizational lines
 Provided continuous support to the development team in order to make sure that business requirements are being converted into a desired software
product
 Interfaced with end users and business owners to examine current work processes and communicated the results to the stakeholders.
 Worked on web based virtual payment, card payment and mobile banking payment application systems.
 Followed UML based methodology using Rational Rose for creating Business Cases and Use Case Models after assessing the status and scope of the project
and implementing technology-based solutions that will meet their strategic business processes needs.
 Interacted with the Subject Matter Experts SMEs and stakeholders to get a better understanding of client's business processes.
 Monitored client expectations and skillfully negotiated with clients through client involvement and all types of communication with the client's team
throughout the lifecycle of the project.
 Protocols ISO20022, FIX, SWIFT, TOPIC java message service, Message formats. Web services testing, SOAP UI execution
 Actively involved in designing of the system with the system architecture and the development team, supporting the technical team in the product
development and delivery process and translated the business requirements into Functional Specification Document FSD.
 Elicited meetings on credit card application process and payments.
 Conducted Agile stand-up meetings and created user stories
 Involved in the periodically held JAD sessions for the purpose of project updates as well as involved in the weekly meetings to discuss the current project
status.
 Manage and implement strategic enhancements, ongoing maintenance, and future roadmap for various Digital Banking products.
 Identified Use Cases from the requirements and wrote Use Case Specifications document.
 Linked business processes to organizational objectives, identifying opportunities for business process improvement and involved in the performance of
cost/benefit analysis.
 Wrote SQL queries to test the source to target data.
 Reported status to project management and project owners on a weekly and monthly basis.
 Participated in release cycles of software developed using Waterfall and Agile methodologies.
 Maintained strong working relationship with various business groups such as project technical/development team and external clients throughout the
development process of the credit card processing system.

EDUCATION
 CCS University, India / Bachelors in Computer Science.