Meera M
Frisco
Summary
Result-driven business and systems analyst with a strong focus on banking operations. Demonstrated success in defining business requirements, conducting gap analysis, and enhancing digital banking platforms while ensuring regulatory compliance with KYC/AML standards.
Overview
20
20
years of professional experience
Work History
Financial Systems Analyst
Apexon Inc
05.2021 - 02.2024
- Gathered requirements for corporate online banking portals, enhancing ACH, Wire, and Treasury services to improve client cash management.
- Provided systems support for Core Banking Systems, ACH, Wire, and Treasury systems to streamline client cash management.
- Coordinated the end-to-end lifecycle for corporate commercial deposit product enhancements.
- Documented user stories and acceptance criteria in Jira for Agile development of new payment features.
- Utilized SQL to analyze transaction data trends, identifying opportunities for cost reduction in commercial accounts.
- Built and executed reports via Cognos or Toad (SQL, ORACLE Warehouse).
- Collaborated with legal and compliance teams to ensure new transaction products adhered to KYC/AML regulations.
- Supported Corporate/Commercial Deposits business in producing daily reconciliation reports, achieving 98% accuracy in financial reporting.
- Facilitated UAT sessions with business users for cash management platform updates, ensuring 100% test scenario coverage.
- Improved system reliability through continuous testing and tuning processes.
- Carried out upgrades and new implementations to enhance system capabilities.
- Researched, analyzed, and troubleshot production support issues for systems and data, contributing to effective resolution of NICE Actimize-related challenges.
- Master data management-Consolidating, cleaning, completing, and coordinating data from various sources(AFS Vision).
- Performed data governance activities through regular reviews, audits, scheduled jobs and Data tuning.
- Creating Change requests, reviewing and closing the CR after change/maintenance is completed.
- Generated and Analyzed FinCEN 314a report for regulatory reporting.
- Client: Flagstar Bank (currently NYCB)
Financial Center Client Executive
Bank of America
02.2018 - 09.2018
- Delivered professional client service by performing accurate transactions and maintaining up-to-date knowledge of evolving products and services.
- Executed transactions such as processing deposits, issuing money orders, and redeeming savings bonds.
- Perform more complex transactions such as large commercial deposits, Close-out transactions and Cash advances.
- Provide information about the products and services to the customers.
- Compiled daily balance of cash transactions and generated necessary reports to support branch operations.
- Updated and documented customer records based on interactions to ensure accurate information management.
- Adhered to operating procedures detailed in the Branch Operations Manual to ensure compliance.
- Collaborated with back-office support to address transaction and system issues effectively.
- Addressed and fixed issues during events to ensure smooth operations.
Business Analyst
Standard Charted Bank
10.2006 - 09.2008
- Collaborated with cross-functional teams to identify business challenges and opportunities, translating insights into actionable solutions that enhanced service delivery.
- Proficient in financial analysis, including budgeting, forecasting, variance analysis, and financial modeling and prepared and presented detailed reports as requested by business.
- Prepared and verified test cases for user acceptance testing (UAT) and performed testing for the core banking systems (Hogan,Ebbs, MIDAS) Sales and Trade systems (Eximbills, TCEximbills, Imex, Tcimex) and payment systems (Hogan, Murex, CLS).
- Identified, tracked, reported, and resolved issues promptly, ensuring minimal disruption to business operations.
- Worked with customers and IT to identify required changes.
- Communicated changes to the IT development team.
- Generated reports from Cognos 8 BI and performed exception/rejection analysis to ensure the records flowing into the Datawarehouse (ORACLE) are as per the functional specifications.
- Resolved production issues for reports downloaded from Cognos by doing a root cause analysis and raising change requests accordingly.
- Generated key stats reports and trend analysis to encompass all the customer sales details monthly.
- Expert at Risk Management by Risk Identification, Impact Assessment, Prioritization Analysis, Risk Tracking and Mitigation.
- Highly skilled in liaising between top management, development, and Quality Assurance team for requirements.
- Created reports and dashboards to monitor performance against goals and key business metrics, facilitating informed decision-making.
- Monitored payment system performance and identify, track, and communicate key metrics to senior management.
- Prepared detailed business requirements and functional specifications in correct format and detail for selected project SDLC (e.g., Stories with Agile methodology).
- Managed the approval process for the requirements/stories.
- Analyzed, validated, and collated data into the data warehouse (ORACLE) from various countries to ensure BASEL II compliance.
- Conducted analysis of non-transaction and transaction processing systems at ‘Standard Chartered Bank’, encompassing approximately 25 systems.
- Built functional requirements specification and change requests to enhance the process systems and MIS system to satisfy risk reporting needs.
- Identified dependencies, Issues and Risks associated with the system defects and prioritized them for the system release.
- Supported the strategic development, implementation, and effective execution of the Enterprise Risk program, the key program elements of which cover internal loss, external loss, risk assessment/business impact assessments, training, awareness and communication issues, remediation planning and tracking, MIS and reporting testing, regulatory compliance, and monitoring.
- Assisted QA team to ensure that requirements and specifications are captured in testing plans and scripts.
Data Analyst
Frost & Sullivan
12.2003 - 10.2004
- Performed Financial analysis including budgeting, forecasting, variance analysis, and financial modeling.
- Analyzed customer data and generated trend analysis report.
- Captured customer and corporate information, identifying and resolving client issues.
- Managed operations for North American and Asia Pacific regions using SalesLogix CRM system.
- Managing the system access request, user profiling and application cleansing for SalesLogix system.
- Prioritized service requests for global marketing team, monitoring and managing service tickets for timely resolution.
- Consulted with vendors to resolve discrepancies and create effective solutions.
- Prepared monthly and quarter-end financial reports.
Education
MBA -
MOP Vaishnav College for Women
ChennaiBachelors in Applied science -
Avinashilingam University
CoimbatoreDiploma in Information and Systems Management -
APTECH Computer Education
CoimbatoreAdvanced MS Excel Certification -
STG Technologies
ChennaiMS Access -
ACAMS and Financial Crimes Compliance and basics of AI
Skills
- Core banking systems
- Payment systems
- NICE Actimize
- Oracle FCCM
- Moody's Analytics
- Eximbills and TCEximbills
- IMEX and TCIMEX
- RCMS and EBBS
- Financial reporting
- Regulatory compliance
- Cognos BI tools
- SQL Server
- Advanced MS Excel
- Jira and Confluence
- Agile methodologies
- IT service management
- Salesforce CRM
- Customer relationship management
- Query Studio
- Analysis Studio
- MS PowerPoint and SharePoint
- Agile methodologies
Personal Information
Title: Systems Analyst-Banking and Finance
Other Academic Projects
- An Evaluation of Performance Appraisal system, Scientific Publishing services, Software city, Chennai, India, 6 months
- Market research for Biomedical Instruments, Larsen and Toubro Private Ltd, India, 1 month
- Computerized Merchandising for a Retail Store Chain, India, 3 months
- Public relations in a Food service organization, Taj Connemara, 2 months
- Travel booking components for international tour packages, Pegasus Travels and Tours, India, 2 months
- Human Resource Management, Hotel ITC Park Sheraton, Chennai, 1 month
Tools And Technologies
NICE Actimize, FircoSoft, LexisNexis, Oracle FCCM, Finastra, Moody’s Analytics, Finastra - GCop, Eximbills, TCeximbills, Imex, TCimex, RCMS, Ebbs, MIDAS, Hogan, RLS, Murex, Opics, IFRS, Salesforce, DNA, Sales Logix-CRM, Cognos 8 BI – Report Studio, Query Studio, Analysis Studio, ORACLE, SQL Server, MS Access, MS Excel Advanced, MS Access, MS PowerPoint, MS SharePoint, Jira, Confluence, ITSM/ServiceNow, Agile/Scrum
Accomplishments
- Business Champion Award-Q8-Cost and Time-Standard Chartered
Timeline
Financial Systems Analyst
Apexon Inc
05.2021 - 02.2024
Financial Center Client Executive
Bank of America
02.2018 - 09.2018
Business Analyst
Standard Charted Bank
10.2006 - 09.2008
Data Analyst
Frost & Sullivan
12.2003 - 10.2004
MBA -
MOP Vaishnav College for Women
Bachelors in Applied science -
Avinashilingam University
Diploma in Information and Systems Management -
APTECH Computer Education
Advanced MS Excel Certification -
STG Technologies