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Amandeep Kaur

732-660-8963
Dave@bigappleinfotech.com

CAREER SNAPSHOT
Result oriented Business Analyst with experience in Mortgage (Loan Originations,
Default servicing), Banking, Financial Services and Insurance domains with extensive
exposure to gathering & analyzing user requirements, business modeling, process
simulation and data analysis.
SKILLS INVENTORY
Worked with large datasets using SQL to conduct query-level analysis of search
results to derive insights and investigate trends; also compiled business
intelligence reports based on results
Conducted walkthroughs and reviews with cross functional teams and designed
concept work for new systems and created technical design documents
Experience of working in data management including Data Analysis, Cleansing,
Profiling, Data Mapping and Data Dictionaries.
Used Tableau for data visualizations and Dashboards.
Strong business, communications, written and presentation skills (reports,
implementation requirements, project status reports, oral presentations, emails), update team members with goals, project status, with expertise in
conflict resolution.
Extensive knowledge of business issues and processes as well as
Mortgage/Correspondent lending systems Loan Originations
Knowledge of Banking regulatory rules and regulations.
Used Unified Modeling Language(UML) to depict Current and Proposed Business
Process
Prepared Screen Mock ups, User Interface designs using wireframes (SnagIt)
Strong Knowledge of Iterative Methodologies such as Agile SDLC Practices &
Principles.
Involved in Integration based SOA(Service oriented Architecture)
Thorough exposure of conducting JAD sessions and interviews with Subject
Matter Experts (SME) and data stewards to understand the business process,
business rules, and data requirements.
Expertise in Agile, SCRUM, Waterfall SDLC (Software Development
Methodologies).
EDUCATION
MBA, Stratford University, VA
CHRONOLOGICAL EXPERIENCE
JP Morgan Chase, Lewisville, TX
Sept 2013-Present
Business Data Analyst, Mortgage Analytics Reporting
Chase is the U.S. consumer and commercial banking business of JPMorgan Chase & Co.

(NYSE: JPM), a leading global financial services firm with assets of $2.3 trillion and
operations in more than 60 countries We serve more than 50 million consumers and
small businesses through more than 5,600 bank branches, 18,700 ATMs, credit cards,
mortgage offices and online and mobile banking as well as through relationships with
auto dealerships.
Within Chase, Mortgage Banking helps customers achieve and sustain homeownership
by offering purchase and refinance home loans to first-time and experienced
homebuyers, servicing residential mortgage loans, and providing affordable solutions
to customers struggling with their mortgage payments.
Project Details:

1. Third Party Oversight team is in-charge of reporting all operational information


on a daily/weekly and monthly basis to management

2. The Mortgage Bank Data Management team is working on a multi-year

technology initiative to support migration of MB business operational, financial,


regulatory and analytical data into target state repositories. The program
includes the long term development of a strategic platform for MB with data
sourcing, data enrichment, analytical, monitoring and reporting capabilities in
ICDW.

Responsibilities:
Developing operational metrics for Third Party oversight group to present to
higher executives.
Responsible for developing requirements on Performance Metrics and Dashboard
for Third party oversight Group.
Managed the Data Dictionary of Third Party oversight group
Acted as Data Steward and provide data mappings to Data Management council
group based on the requests from CFPB, HUD, OCC on Modification credit
estimates, Foreclosure preventive activities etc.
Extensive knowledge in Data Analysis and management
Extensively using SQL queries for data quality analysis, profiling and cleansing to
ensure modification efficiency/Foreclosure/Bankruptcy timelines
Documented and communicated the data issues found with the Third party
vendor for remediation.
Created process flow for Operational metrics generation and Defect
Management flow for the group
Creating inventory template to capture all the reports being generated for the
management to move into new data warehouse
Monitored the overall quality of Subservicing data.
Manage the data ensure consistent definitions, business naming standards, data
mapping.
Documented use cases, functional specifications, source to target mappings that
capture business data and reporting requirements.
Used Tableau for data visualizations and Dashboards.
Worked with project manager to produce effort estimates, ensure task
completion within estimates, identify and communicate variances.
IBM Corporation (Client: JPMorgan Chase) Jersey City, NJ
2013
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Nov 2011-Jan

Data Quality Analyst


The objective of this project was to provide a targeted view of loan data for 27 fields
which ultimately gets reported by the Client to Fannie Mae and Freddie Mac. The goal is
to provide a detailed report identifying sources of data discrepancies. Comparison of
500 loans against the 27 data elements in the systems of records and reports which
are being provided to the Fannie Mae and Freddie Mac. Specifically, the analysis was to
compare what information the client has in their systems VERSUS what the client
provide to the GSEs.
Responsibilities:
Validation of Clients system of record if it is providing accurate data to Fannie
Mae and Freddie Mac on the specific data fields for loans in Foreclosure and
other default situations related to specific data fields.
Discrepancies revealed tracked back to root cause of data inaccuracy by
validating the following:
Specific data is accurately being recorded from the original sources to Clients
system of record; and
Changes to Clients data on peripheral systems are accurately being captured
and recorded to Clients system of record;
Validated and comparing the data across the client core systems for accuracy.

Prepared custom reports and performed SQL query, data analysis, profiling and

cleansing and verification on MS Access.


Documented and communicated the data issues with the business units.
For each of 27 fields that are part of transmission to and from Fannie Mae and
Freddie Mac, validated the accuracy of that field against the Clients system
record.
Loan values was queried in database to compare against the systems by using
TOAD
Validated data against the systems was compared to the reports which goes to
the GSEs
Used HP Quality center to log the issues related to the 27 data elements.

Used TOAD to query the loans based on the Data Element mapping provided.

PHH Mortgage Company Mount Laurel, NJ.


Feb 2011- Oct
2011
Business Analyst
PHH Mortgage Provides outsourced, private-label mortgage solutions to clients
nationwide who are leaders in their fields of business, including financial institutions,
real estate companies, credit unions, corporations and government agencies. PHH
mortgage is one of the top 5 originators of retail residential mortgages in the United
States. It also provides home financing directly to consumers. The project was the
integration project of PHHs wholly owned subsidiary to 3 rd party vendor creating a Joint
venture. There is a transition of Subsidiarys appraisal functionality to 3rd party
vendor application. While also building the appropriate interfaces back to PHHs core
technology applications.
Responsibilities:

Wrote the functional requirements documents and used Caliber RM to manage

the requirements.
Involved in creating targeted questionnaires for SMEs to gather requirements.
Wrote the requirements for an enhancement to the loan origination system
Interviewed business users to gather requirements and analyzed the feasibility
of their needs by coordinating with the Project Manager and technical lead.
Identified, researched, investigated, analyzed, defined opportunities for business
process improvement, documented business processes and initiated efforts to
make improvements.
Involved in SOA based Integration of the project.
Contributed to the definition of scope, performed extensive requirement analysis
and defined functional specifications.
Involved in Requirements scoping and identifying high priority requirement for
implementation.
Facilitated review meetings to ensure that the project was implemented within
the specifications of the contract.
Validated technical designs created by IT developers against functional
specifications.
Assisted QA team in reviewing test cases, test plans and tested the final
application for usability testing to verify whether all the user requirements were
catered to by the application.
Generated a streamlined process to understand the various steps in the Loan
Lifecycle and desired functionality of the new system by interacting with users,
management, SME, stakeholders, Lenders and underwriters.
Assisted Project Manager in setting realistic project expectations and in
evaluating the impact of changes on the organization and plans accordingly and
conducted project related presentations.
Conducted JAD sessions to develop and agree upon a system that focuses on the
business requirements.
Participated regularly in walkthroughs and review meetings with Project
Manager, QA and developments
Regularly interacted with offshore development teams.
As support to the Project Manager defined eBusiness processes, analyzed and
documented requirements, identified gaps, evaluated requirements and change
requests, managed scope and transferred knowledge.
Partnered with the business stake holders, process owners, users to identify their
requirements, produced detailed specifications, planned the project deliverables
with the software development team
Created business vision and scope definition and business requirement
presentations using Microsoft Power Point.
Entered requirements into Caliber Requirements Management Tool.
Developed Use Case diagrams by analyzing the business process followed by
activity diagrams and sequential diagrams, work/process flow and data flow
diagrams using MS Visio and ERwin.
Analyzed, collected and prepared user requirements, definitions, scope and
expectations for deliverable plans.
Used UML for Visual modeling and created detailed Use-Case Specification to
describe the interaction and functional requirements of the system.
Used SnagIT for GUI based front end prototype and simulation.

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Analyzed and evaluated all the information gathered from multiple sources,
reconciled conflicts and decomposed high-level information into details.
Abstracted up from low-level information to a more general understanding,
distinguished user requests from the underlying true needs, and distinguished
solution ideas from requirements.
Involved on shadowing sessions with Business users to know about the business
process and application functionality.
Documented the defects and their trailing history in the Test Director and helped
developers recreate defects by executing the related scenarios in order to
identify the root cause of defect.
Amica Mutual Insurance Co., Lincoln, RI
2011
Business Analyst

Aug 2010- Jan

Project: Online Account Access system


The project was to develop a web-based application relating to a comprehensive
online request for auto insurance and health insurance quote processing. The system
runs on Mainframe and has a web-integrated front-end that provides free auto
insurance quotes to individuals and for families. This project is a web based application
which allows the customers to pay the bills online, get an online quote, report a claim,
view policy, view the claim status and verify the account balances etc.
Responsibilities:
Elicited and gathered user and business requirements in Requisite Pro tool
through open ended discussions, brainstorming and prototyping.
Utilized Rational Unified Process (RUP) to configure and develop process,
standards and procedures.
Performed GAP analysis to compare the existing system with the proposed
system and documented new requirements and features.
Developed Business Requirement Document and Use Cases
Specification/Document for various Use Cases.
Responsible for converting the business requirements into functional and nonFunctional requirements.
Conducted JAD sessions for communicating with the all Project directors and
stakeholders and created process Workflows, Functional Specifications and
project initiation artifacts.
Scheduled meetings with developers, System Analysts and testers to collaborate
resource allocation and project completion.
Created and managed project templates, use case templates, requirement types
and tractability matrix in Requisite Pro.
Identified Use Cases from the requirements. Created Use Cases Diagrams,
Activity Diagrams/State Chart Diagrams, and Sequence Diagrams, based on UML
Methodology using Rational Rose and MS Visio.
Monitored version control and defect tracking activities using Rational Clear Case
and Rational Clear Quest.
Created Mock-up forms in HTML for better visualization and understanding of the
software solution.
Assisted quality assurance team in testing different releases and in designing
test plans and test cases. Performed User Acceptance Testing (UAT).

JPMorgan Chase Wilmington, DE

Jan 2009- July 2010

Business Analyst
The project was Payment Program regulatory changes (PPRC). Payment Programs are
offered to the customers with financial difficulties.
Responsibilities:
Conducted interviews with key business users to collect requirements and
business process information.
Performed gathering , analysis , review and signoff of business requirements and
conducting of interviews , sessions etc
Created Process flows based on the requirements to define the user interface
and written activity steps.
Prepared Screen Mock ups, User Interface designs using wireframes
Participated in Requirements Walkthroughs, Defect Review Meetings, and Status
Meetings.
Performed Gap analysis to determine the as is system, documented the Gaps
and consulted the development team and project manager to fix the issues.
Re-engineered the system to document the User interface based on the current
functionality of the application.
Performed Business Process Reengineering (BPR) / Gap Analysis to check the
compatibility of the existing system infrastructure with the new business
requirements
Created Screen Mockups/Definitions using MS Visio.
Worked closely with lead to create the Impact matrix to document the impacts
on other blocks.
Worked with application development team to identify bottlenecks that could
hinder progress of development.
Collaborated with developers as needed to determine the root cause of defects
Checked validation of the application against the requirements
Bank of America, New York, NY
Feb 2006 Aug
2008
Business Analyst
The CRE (Consumer Real Estate) Division provides mortgage loans to homebuyers, and
adjusts its staffing levels according to fluctuating interest rates and real estate. Was
the responsible Sr. Business Analyst for project FIRE-- designed to create an
automated Business Performance Management (BPM) system that could be used at
both the divisional and market levels. The solution needed to be simple and intuitive
because of the large amounts of data being passed back and forth between the
financial group and the sales group. In addition, the system needed to be Web-based so
that remote offices could communicate in real-time. Finally, the CRE Division needed
data modeling capabilities for advanced scenario planning, so that the bank could
create more flexible and more accurate long-term projections.
Responsibilities:
Worked with a team of 4 Business Analysts.
Was an integral part of business process redesigning.
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Interacted with the stakeholders to get a better understanding of client business


processes and gather business requirements.
Was involved in the complete SDLC process
Created business process workflow diagrams (Activity diagrams) for the GAP as-is
and to-be process in Visio, Rational Rose.
Created Business Use-Case Model and Business use Case specifications after
accessing the status and scope of the project and understanding the business
processes.
Produced functional specifications and led weekly JAD meetings with development
consultants and business units to discuss outstanding technical issues and
deadlines
Created and managed use-case templates and traceability relationships in
RequisitePro.
Managed all the requirements (Business and Application use cases) in
RequisitePro, making requirements available to all team members and to
maintain traceability between requirements, design and UAT test cases.
Visualized complex data structures using ERwin and established enterprise-wide
standards for managing data
Prepared Logical Data Models using ERwin that contains set of diagrams and
supporting documents containing the essential business elements, detailed
definitions, and descriptions of the relationships between the data elements to
analyze and document business data requirements.
Familiarity with the concept of Business Intelligence, Data Warehousing and
Business Architecture.
Experienced and trained in Customer Relationship Management (CRM)
strategies.
Solid foundation in Capital Budgeting using NPV, IRR, Financial Statement
Analysis
Managed and controlled change using ClearQuest, associated requirements to
specific change request/enhancements/defects and made sure that other teams
were following the change requests guidelines.
Linked business processes to organizational objectives, performed critical path
analysis, and identified opportunities for business process improvement.
Supported with Quality Assurance Analyst with logging the test cases and their
results and developed test Status Reports for Stakeholder review.
Supported the QA team by assisting with automated testing sessions using
WinRunner and logging and maintaining the results via a traceability matrix.
Updated the issues log with all issues identified during UAT and created defect
tickets in ClearQuest for all defects and enhancements identified during UAT.
Analyzed user requirements, attended Change Request meetings to document
changes and implemented procedures to test changes using the Rational
ClearQuest.