Sethuram Gadala
Jersey City
Summary
Over 6 years of experience as a Business Analyst in the IT industry, specializing in requirements gathering, process analysis, and solution design. Demonstrated expertise in the banking and financial services sector. hands-on experience in areas such as digital banking transformation, loan origination systems, anti-money laundering (AML) compliance, Capital Market, KYC processes, payment systems, and mortgage management. Led AML/KYC program initiatives including transaction monitoring rule design, customer risk-rating and remediation workflows to reduce false positives and accelerate KYC turnaround. Collaborated with Compliance to translate regulatory requirements (BSA/AML, sanctions screening) into product requirements and automated controls. Proficient in bridging the gap between business needs and technical teams, ensuring seamless delivery of solutions that drive operational efficiency and enhance customer experience. Led requirements gathering sessions to understand business needs, document current processes, and identify areas suitable for RPA automation, ensuring a seamless transition from manual to automated processes, aligned with business objectives. End-to-End RPA Lifecycle Management: Led the end-to-end process of RPA implementation using UiPath and Power Automate, from identifying automation opportunities and gathering business requirements to developing, testing, and deploying bots. Comprehensive knowledge of Software Development Life Cycle (SDLC) and various SDLC methodologies such as Agile (Scrum) and Waterfall. Collaborated with development teams to implement Robotic Process Automation (RPA) solutions, optimizing business processes by automating repetitive tasks, leading to a significant reduction in manual effort and increased operational efficiency. Demonstrated expertise in authoring, refining, and analyzing key documentation, including Business Requirement Documents (BRDs), Functional Requirement Documents (FRDs), System Requirements Specifications (SRS), and Use-Case Specifications. Business requirement gathering from various sponsors and stakeholders by understanding business goals and priorities through research, formal-informal sessions, JAD sessions with teams, stakeholders, and end users. Worked closely with business stakeholders to identify automation opportunities and developed automated workflows using UiPath. streamlining data entry, invoice processing, and other key tasks, resulting in improved accuracy and faster turnaround times. Worked across multiple payment platforms such as SWIFT, ACH, SEPA, and RTP, gathering business requirements and defining end-to-end transaction flows for domestic and cross-border payments. Led integration efforts with third-party payment gateways and core banking systems, ensuring smooth data mapping, real-time transaction validation, and compliance with ISO 20022 messaging standards. Collaborated with compliance and risk teams to incorporate payment-related regulations such as AML, KYC, and fraud monitoring within payment processing workflows, improving accuracy and security. Strong understanding of ISO 20022 messaging standards, with hands-on experience working with PAIN (Payment Initiation) and PAC (Payment Clearing and Settlement) message formats for domestic and cross-border payment processing. Skilled in data-driven decision-making, providing actionable insights to business stakeholders. Highly skilled in creating Unified Modeling Language (UML) diagrams, including Use Case Diagrams, Activity Diagrams, Class Diagrams, and Sequence Diagrams to visually represent system functionality, workflows, and interactions. Collaborated with Risk & Compliance Officers, Product Managers, Subject Matter Experts and Technology Project Teams to coordinate enterprise-wide deployment of AML and KYC solutions. Experience in Banking Payment Systems, Credit Card Processing, and Loan Processing and Claim settlement system.
Overview
8
8
years of professional experience
Work History
Technical Business Analyst
Citizens Bank
Jersey City
05.2023 - Current
- Worked along with Subject Matter Experts and recorded requirements in a standard format so that management and stakeholder can review and understand easily.
- Conducted GAP analysis to check as-is and to-be states, identified potential opportunities, scope of improvement, and created targeted questionnaires for SMEs to gather requirements.
- Facilitated functional requirement gathering from system users and prepared business requirement documents (BRD).
- Gathered requirements for mortgage origination and servicing systems, ensuring compliance with FHA, VA, and Fannie Mae/Freddie Mac guidelines.
- Partnered with business stakeholders to streamline mortgage underwriting workflows, reducing approval turnaround times by X%.
- Supported integration of mortgage payment processing with core banking systems, enhancing accuracy and customer experience.
- Facilitated JAD Sessions with the concerned users, developers, and the design team to deal with backend synchronization issues.
- Led requirements gathering for the development of an AI-powered virtual assistant for banking services, collaborating with stakeholders to define functional and non-functional requirements.
- Facilitated the creation of detailed user stories, ensuring alignment between business goals and technical requirements for the AI virtual assistant.
- Integrated PEGA BPM into the customer support workflows to streamline case management, reduce resolution time, and improve SLA compliance.
- Designed and configured PEGA workflows for customer service processes, enabling rule-based decisioning and automated task routing.
- Collaborated with PEGA developers to translate business requirements into PEGA application logic, facilitating faster development and enhanced traceability.
- Performed GAP Analysis with system functionality and existing Business Processes.
- Managed scope and requirements throughout the project life cycle.
- Discuss and propose conversion / interface solutions with the clients and users.
- Collaborated with QA teams to define test cases and led User Acceptance Testing (UAT) to ensure the AI assistant met business needs and user expectations.
- Conducted one-to-one meetings and web-Conferences as well as JAD sessions with different stakeholders; analysed and came up with suggestions providing consistent process for the communication, escalation, and resolution of issues.
- Interacted with department heads to finalize business requirements, functional requirements and technical requirements and created Business process model.
- Manage the lifecycle of code development, from ideation to sprints to deployment.
- Managed stakeholder communication and change requests, ensuring transparency and alignment throughout the project lifecycle.
- Collaborated with contact center leadership to align business goals and customer needs, ensuring a seamless flow of communication and prioritization of key projects.
- Developed comprehensive dashboards and regular reports for senior leadership, offering insights into contact center performance and customer trends.
- Proficient in writing complex SQL queries, optimizing database performance, and generating detailed reports for business intelligence.
- Experience in designing and automating SQL-based reporting solutions to provide actionable insights into transaction data, payment trends, and operational efficiency.
- In-depth understanding of payment gateways, payment processing workflows, and reconciliation processes to ensure seamless and secure transactions.
- Hands-on Experience in Payment Domain and Proven ability to design, implement, and enhance payment processing modules, ensuring compliance with industry standards and improving end-user satisfaction.
- Created and maintained Narrative Use Cases (Business Use Cases, System Use Cases) and modelled Use Case Diagrams, Activity Diagrams, Data Flow Diagrams using MS Visio.
- Created Use Case Diagrams to visually represent interactions between users and the system, ensuring a clear understanding of system functionality and user goals.
- Designed Data Flow Diagrams (DFD) to illustrate how data is processed, stored, and transferred within the system, aiding in system design and integration planning.
- The scope of the project was to build a digital Investing & Wealth Management System for Investors Bank to enhance financial literacy and engagement among retail and high-net-worth clients. The project included real-time portfolio dashboards, goal-based planning tools, automated investment suggestions, and fee transparency features. The system integrated data from CRM, trading platforms, and external APIs into a centralized data warehouse, with secure access and compliance mechanisms in place to support both client self-service and advisor-led insights.
- Environment: Agile – Scrum, SAFe- Agile, Windows, MS-Project, MS-Office, MS Visio, JIRA, RALLY, Zoom, MS Teams.
Business Analyst
Ally Bank
Detroit
09.2019 - 04.2023
- Collaborated with the Product owner in detailing requirements in the form of user stories and defining acceptance criteria.
- Prepared Business Requirement Document (BRD) and Functional Requirement Document (FRD) by gathering requirements through detailed discussions with business users and Subject Matter Experts (SMEs) for the E-Service model.
- Developed Use Cases and Data Flow Diagrams (DFD) for the online claims filing method.
- Organized and participated in Joint Application Development (JAD) sessions with department, development, and testing teams.
- Participated in various meetings and discussed enhancements and modifications with business users and stakeholders.
- Developed and optimized SQL queries to extract insights from large datasets for banking and financial projects.
- Analysed and tested the user interface for constantly redesigning the system to increase its user friendliness for the clients.
- Conducted transaction behavior analysis to support AML rule tuning and implemented business requirements for scoring models used in automated transaction monitoring.
- Documented KYC remediation workflows and led stakeholder workshops to define triggers for enhanced due diligence (EDD) and SAR/STR escalation paths.
- Created data mapping and reporting requirements to support regulatory reporting and audit trails for customer onboarding and ongoing monitoring.
- Tracked open issues using weekly status and progress reports and kept project manager updated.
- Prepared project reports for management and assisted project managers in the development of Weekly and monthly status reports.
- Analyzed business processes for mortgage loan applications, underwriting, and closing, documenting functional requirements for automation and compliance.
- Developed use cases and workflows for mortgage servicing, including escrow management and delinquency tracking.
- Collaborated with risk teams to align mortgage lending practices with regulatory standards (TRID, RESPA, HMDA).
- Utilized PEGA Decisioning Hub for AI-driven recommendations, improving customer satisfaction through personalized interactions.
- Conducted end-to-end UAT testing for PEGA-based modules to ensure alignment with business requirements and usability standards.
- Assisted the testing team by creating test conditions document to ensure functional accuracy of the testing.
- Facilitated User Acceptance Testing (UAT) by assisting in writing the test cases with testing team.
- Organized and facilitated evaluation sessions with end users to examine their experience and improve functionalities of the new application accordingly.
- Worked closely with development team and testing team on grooming sessions in updating the changes in the tool.
- Experienced in managing the Scrum Process with the coordination of scrum team in Agile Methodology.
- Conducted meetings with product Owners, development team and subject matter expert to get the report of the status of every sprint and making targets regularly.
- Skilled in SQL, business intelligence, and DevOps methodologies, with extensive expertise in services.
- Utilized SQL to develop and maintain customized reporting tools for tracking business performance metrics.
- The project involved analyzing customer transactions, behaviors, and preferences to deliver personalized banking experiences. By leveraging data analytics, the goal was to develop targeted marketing campaigns and customized financial products tailored to individual customer needs. The project used advanced customer segmentation techniques to identify different user profiles based on transaction history, spending patterns, and financial goals. This data-driven approach enabled the bank to offer relevant financial products, such as credit cards, loans, or savings accounts, and provide proactive customer engagement, ultimately improving customer satisfaction and boosting product adoption rates.
- Environment: Agile – Scrum, SAFe- Agile, Windows, MS-Project, MS-Office, MS Visio, JIRA, RALLY, Zoom, MS Teams.
Intern Business Analyst
Dovekie Technologies Pvt Ltd
09.2018 - 03.2019
- Interacted with business users and executives to identify their needs, gathered requirements and authored Business Requirement Documents (BRD), Project Charter and Project Approach Documents.
- Understood the Business Logic, User Requirements, and test-objectives to develop Use Case Scenarios.
- Analysed and documented Business requirements and detail design of the software for full understanding of the AML/KYC business.
- Involved in creating business processes and modelling diagrams for AML and KYC regulatory compliance.
- Expertise in facilitating and conducting Joint Application Development (JAD) sessions with Business Clients to identify business rules, functional and non-functional requirements.
- Assisted end-users in articulating business requirements and coordinated workshops and brainstorming sessions.
- Got sign offs from all relevant project stakeholders on all project deliverables.
- Identified the issue involved in current system workflow and provided a better and efficient workflow solution.
- Gathered and documented the Impact Analysis Report on the project, due to change request from the business stakeholders and the project management team.
- Proficient in MS VISIO to make Use Case models, Activity Diagrams, and Business Process workflows.
- Expert in working with multiple offshore teams to make them understand what business is looking for in the project.
- Worked with development team in India for coordinating different development effort.
- Managed requirements analysis under established enterprise requirements management guidelines using Requisite Pro.
- Performed information elicitation sessions such as JAD sessions, interviews, prototyping with stakeholders.
- Involved in designing business requirement collection approach based on the Agile SCRUM SDLC Methodology.
- Ensured that development teams are practicing Agile Principles.
- Used MS-Visio for flow-charting, Use- Case process model and architectural design of the application.
- Defined Acceptance Criteria for User Stories to perform User Acceptance Testing.
- Designed Test Cases, Test Plans, Test Scripts, and Test Scenarios to perform Functional Testing, and Regression Testing.
- Logged defects using JIRA.
- The project allows for viewing of account information in real time, to review asset allocation by stocks, mutual funds, fixed income. Users can monitor realized and unrealized gains/losses. The web application utilizes in monitoring and reporting features and provides proprietary research.
- Environment: Agile – Scrum, SAFe- Agile, Windows, MS-Project, MS-Office, MS Visio, JIRA, RALLY, Zoom, MS Teams.
Education
Bachelor of Science - Mechanical Engineering
Anurag Group of Instituions
Hyderabad, TS04-2022
MBA - Bussiness Analyst
Anderson University
South Carolina05-2025
Skills
- Jira
- MS Visio
- MS Office Suite
- Agile
- RUP
- Waterfall
- RAP
- UML
- Microsoft Office Suite
- Adobe Acrobat
- Power SAP Designer
- Lucid charts
- Smart Draw
- Business Definition Requirements
- Business Process Analysis
- Gap Analysis
- Use Case Modelling & Analysis
- Windows XP
- Power BI
- Tableau
- SQL
- SSMS
- SSRS
- Qlik View
- ETL
- Git
- Docker
- Business Intelligence
- AWS
- Azure Cloud Platforms
Timeline
Technical Business Analyst
Citizens Bank
05.2023 - Current
Business Analyst
Ally Bank
09.2019 - 04.2023
Intern Business Analyst
Dovekie Technologies Pvt Ltd
09.2018 - 03.2019
Bachelor of Science - Mechanical Engineering
Anurag Group of Instituions
MBA - Bussiness Analyst
Anderson University