Banking Software :ExIm ,Flora Bank, IFACTS, OFAC, Bank Ultimus, SWIFT,
S.H. Riyad
Arlington,USA
Summary
Detail-oriented individual with exceptional communication and project management skills. Proven ability to handle multiple tasks effectively and efficiently in fast-paced environments. Recognized for taking proactive approach to identifying and addressing issues, with focus on optimizing processes and supporting team objectives.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Business Analyst
Congressional Federal Credit Union
10.2021 - Current
- Project completed & ongoing: Zest Al-ongoing
- Data Cleaning & Validation for core transformation with Jack Henry-ongoing
- Marketing Dashboard build up in Salesforce for CFCU-ongoing
- Meridian Link Insight, a web-based consumer lending BI tool implementation and monitoring
- Significant number of reports developed, automated and streamlined for Marketing, Consumer Lending, Real Estate through SQL SSRS, Excel, ML Insight, Nexus Manager
- Automated Income Verification & Employment verification process integration with Trans Union.
- Mobile/Online Loan App development.
- EEE in terms of Title Track Integration with Salesforce etc.
- The Work Number Integration with Equifax.
- Cunexus and LendPro -A third Party product integration with Meridian Link Loan Services.
- Raddon Survey, TruStage, Cuna Mutual, Fannie Mae, Freddie Mac data compilation and Analytics.
- Automated CL disposition, Automated Member Retention, Automated MLC, Sodexo Report, System Generated, Loan Rejection Report.
- Automated Consumer Lending Dashboard report for KPI, Credit Disability, Credit Life, GAP Analysis report.
- Lending Development Program analysis report.
- In Transit Application Status report.
- Underwriting Guidelines analysis report.
- Automated Daily Pipeline report.
- Loans in Accounting Book report.
- GAP and Insurance Penetration for Auto loan report Automation.
- Source/Channel wise loan portfolio summary report.
- Funded Loan, Mortgage Pipeline, Home Equity LTV, CLTV,1ST Mortgage,.2nd Mortgage, Mortgage Denial, Mortgage approval etc Report creation and automation with SQL Server and Datawarehouse integration.
- Weekly Real Estate Credit Committee Loan Application analysis report.
- Sertech, Claritas, Econocheck integration for investment and liability check and portfolio enhancement project completion.
- Regular monthly New Loan Report preparation for Consumer Lending Credit Card, Vehicle, Personal Loan, RLOC, Share Securities & Real Estate Fixed, ARM for 1st Mortgage and 2nd Mortgage.
- Loan application & origination reports obtain from LoansPQ and track and trend them through specified SSRS integration.
- Development & Compilation of data for Consumer Lending Pricing Committee & ALCO monthly basis.
- Survey report generation through Survey Monkey, Raddon etc.
- Credit memo, Declined applications, nCino reporting, Cuna LDP on designated platform for Credit Life Disability Insurance process and report generation and trend analysis.
- Gather reports from PSCU.com members connect and build monthly Credit Card trending report.
- CL Dashboard (Executive), Consumer Lending Underwriting reports, Report integration with CUNA mutual, Ongoing issue resolve with Meridian link, Fiserv, PSCU etc.
- QA of Loan Products and Service monitor & control for compliance, BSA reports etc.
- Salesforce Administrator, Meridian Link (LoansPQ) Administrator, PowerBI Dashboard maintenance.
- Adhoc Visual presentation report preparation for Board and Credit Committee through AI tools PowerBI, Tableau,etc.
- Trouble Shooting for Mortgage Bot and Consumer Lending operation team daily issues.
- Credit Risk Portfolio Analysis with Accounting team strongly focusing on Income Statement,,Cash flow, Balance Sheet trend analysis. NPV, FV of Lending product margin, Rate adjustment, Product cost analysis etc.
- Recommendation for Credit Risk Management providing Status chart of rate and adjustment of other credit Union and banks rate through S&P.
- Data analysis for Personal Loan Campaign,Auto Loan Campaign,Account opening Product campaign with industry trend and value addition bench marking.
- Database Administer, Management, Integration and Networking.
- Performing collaboration activities on behalf of CFCU with Account manager/Development Team of Business partners and Stakeholders.
- Recommending new product ideas, rate adjustment, risk factors through existing portfolio, liquidity, SWOT analysis.
- Monthly Survey Monkey Report creation and distribution to respective team members.
- Preparation and maintenance of Mortgage 1st and 2ND, HELOC pipeline report, MLC report,Funded portfolio report, Mortgage Pricing Committee report, ITP report,IRLC report, Pricing Exception Report, Processing Turn time analysis report,30 year Pipeline Exposure report,Credit Exception Report,Credit Committee and LRG reporting,Age Lead Report for Mortgage, Lock and Shop Report, Loan Sale report, Student Loan portfolio management.
- Developing SQL query time to time for Development of our DB management and ETL process with network engineering team.
- Performing as Administrator for Lendkey, Trustage, Meridian Link, Raddon,PSCU, Salesforce etc for CFCU.
Business Analyst
Codice Tech
05.2018 - 10.2021
- Worked on multiple projects related to HealthCare and Finance for Government clientele.
- 1.Celerkost: Web based Cost reporting System for Medicaid program to assist DCDHCF.
- 2.Payment Planet: Web based analytics for Department for Disability Services.
- 3.Call center services for the DC Department of Employment Services for programs like Unemployment Insurance, Paid Family Leave, and Summer Youth Employment Program.
- Assisted the senior manager in performing risk assessments and creating risk reports.
- Trained call center agents on HIPAA regulation and remote call center solution.
- Assisted the management in responding to risk assessment questionnaires for compliance with the HIPAA regulation.
- Assisted in designing both technical and administrative controls for the projects.
- Identified gaps in the requirements by preparing process flow diagrams, mockups using Axure and created documentation like BRD, Business Rules, Data Validation, Message Log, FRD, RTM, use cases, test cases, Test scripts, SMOG, and user manual.
- Performed testing like System Testing, Integration testing, Functional testing, smoke testing and others to validate with the requirements gathered to identify critical defects in effort to ensure HIPAA and regulatory compliance for the product.
- Worked on developing proposal responses with and without redactions for RFPs, RFIs for multiple solicitations.
- Created project roadmap, WBS and WBS dictionary, Org charts, MOMS and conducted health checks for multiple projects.
- Assisted the project manager and the C-level management in creating project level documents like status updates, change requests, project management plan, risk analysis and reports.
- Tools used: Axure RP 8, MS Office, Snag It, Tableau, SQL Server, Salesforce, SharePoint, Jira.
- Technologies: .NET, Ang.
- Cloud: AWS, Azure.
Business Analyst
Data Group
02.2016 - 03.2018
- Worked in their operations team assisting in the development of the company in the market by identifying prospective clients, HR management, internal systems development and Business rules and the development of their customer interface platform.
- Interacted with business owners to identify business system needs, proposed solutions for business problems and evaluated alternate methods to increase efficiency of the overall process.
- Analyzed and documented business system requirements and the corresponding impact on business processes.
- Responsible for defining the scope and implementing business rules of the project, as well as application and creating use cases.
- Elicited requirements by conducting JAD sessions, prototyping and working with the product owner to baseline requirements.
- Created user stories with acceptance criteria and use cases.
- Created visual mockups, wireframes, and prototypes for implementing the new functionalities into the system.
- Used Business Intelligence tools like Excel and Tableau for reporting business performance and to create presentations.
- Created different reports by gathering requirements from the C-Level management and SQL coding.
- Prepared test documents and performed different tests like smoke testing, functional testing, stress testing, regression testing and facilitated UAT.
Banker
Burke & Herbert Bank
03.2015 - 01.2016
- Receive and analyze vendor invoices Verifies accuracy of price, quantity, and mathematical calculation.
- Review and validate all Accounts Payable (AP) invoices.
- Source or obtain necessary approvals for payment processing.
- Responsible for entering transaction data in QuickBooks.
- Maintaining back-up documents.
- Verify employee timesheets for accuracy and completeness.
- Data enter employee hours and ensure accurate and validated records.
- Maintain the company's electronic payroll systems.
- Responsible for reviewing and periodically updating payroll deduction information for company employees.
- Process bi-weekly payroll for employees meeting all deadlines.
- Maintain company benefit accounts, manage and administer employee rosters for each benefit.
- Assist Human Resources (HR) in maintaining and filing employee files as it relates to payroll, W-2's, benefits, etc.
- Generate and reconcile payroll reports.
- Performs basic finance and accounting analysis.
Credit Analyst
Premier Bank Ltd
01.2011 - 01.2015
- Identification and scrutinize of Security Documentation, Reviewing received documents and notifying the shortfalls if any to Business Unit.
- Preparation of Charge documents through panel Lawyer, Obtaining Legal opinion, preparing Charge Documents, etc. through panel Lawyers.
- Notify of wanting property documents to Business Units for Final/Clear Legal Opinion mortgage and obtaining final Legal Opinion from Lawyer related business units.
- Obtaining GSR/authenticity of title document regarding property through panel Lawyer, Searching, Filing and Registration of Charge/Modification of Charges, Completion of Mortgage formalities with SRO and Collecting original documents from SRO i.c., Mortgage Deed, Sale Deed, Deed of IGPA etc.
- Updating Safe-in-Safe-out register for tracking the document movement, Obtaining Insurance and related Premium Confirmation from Insurance Company.
- Preparing status of Conditional DDP and communicating to the Management and Business Units.
- Worked in Import Department handling Vehicles, industrial products & consumer products related import transaction.
- Handling local & foreign Import L/C, Opening of L/C, Proceed realization and all other relative objectives against Export L/C, Inland Documentary Bill Purchase (IDBP), Foreign Documentary Bill Purchase, Bills for collection.
- Preparation/weekly/monthly/half-yearly/yearly & all kinds of relative statements of Head Office.
Education
MBA - International Business Management
University Of Chittagong
12-2010
BBA - Management Information Systems
University of Chittagong
08-2008
Skills
- Business intelligence
- Analytical tool implementation
- Microsoft Office Suite
- Advanced Excel
- API integration
- SQL programming
- Data analysis
- BI tools expertise
- Problem-solving
- Data warehousing
- Data integration
- Process optimization
Certification
- Certified Banking & Credit Analyst (CBCA), Corporate Finance Institute, 2020
- Certified Scrum Master, 2023
- Introduction to Analytics Engineering, LinkedIn
- Introduction to Risk Management, LinkedIn
- Power BI Data Modeling with DAX, LinkedIn
- Streamlining your Work with Copilot, LinkedIn
- Learning Microsoft 365 Copilot, LinkedIn
- OpenAI API Building Assistant, LinkedIn
- Power BI Data Methods, LinkedIn
- Power BI Essential Training, LinkedIn
- Salesforce Administrator-Data Management, Collaboration & Automation, LinkedIn
- Learning Snowflakes DB, LinkedIn
- Databricks Certified Data Engineer Associate Cert Prep, Databricks Platform
- Microsoft Azure Data Scientist Associate Exam Prep, LinkedIn
- Handson Data Science using SQL, Tableau, Python and Spark, LinkedIn
- ETL in Python & SQL, LinkedIn
- Introducing Robotics Process Automation, LinkedIn
- Introduction to Generative AI with GPT, LinkedIn
- Database Foundation-Administration, LinkedIn
- PMP Candidate 2023 (60 Hours PDU completed)
- SQL Server Fundamentals: Master Basic Query Technique, LinkedIn
- Introduction to Linux, LinkedIn
- From Excel to Tableau, LinkedIn
- Learning Jira Software, JIRA
- Learning Confluence, LinkedIn
- Project Online Reporting with Power BI, LinkedIn
- Microsoft Azure: Networking Concepts, LinkedIn
- SQL Server Integration Services, LinkedIn
- SQL Server Reporting Services, LinkedIn
- Completion Certificate of Tax Accounting, 2021, Liberty Tax School
- IBM Data Science Course, Progress with Coursera
- Home Mortgage Disclosure Act (HMDA), American Bankers Association
- TILA-RESPA Integrated Disclosures, American Bankers Association
- The S.A.F.E. Act -Secure and Fair Enforcement for Mortgage Licensing Act, American Bankers Association
- BSA/AML-Overview, American Bankers Association
- Fair Lending, American Bankers Association
- Cyber security Fundamental, American Bankers Association
- OFAC, American Bankers Association
- Expedited Fund availability (Reg CC), American Bankers Association
- Entrepreneurship Development and SME Business, Bangladesh Institute of Bank Management
- Anti Money Laundering & Loan Documentation, Bangladesh
- Financial Analysis for Bankers, Premier Bank Training Institute, Bangladesh
- Credit Appraisal & Management, Premier Bank Training Institute, Bangladesh
- Legal Aspects of Security & Documentation, Premier Bank Training Institute, Bangladesh
- Foreign Exchange & Foreign Trade, Bangladesh Bank Training Institute
Software
Fiserve -Datasafe,Jack & Henry-Symitar,Meridian Link-LOS,Meridian Link Insight -web based Reporting & ML Access,nCino
Salesforce,Sharepoint,MS 365 Office
AP HR, Payroll, Bamboo HR SAS(Statistical Analysis System) software, Quickbook
PowerBI,Tableeau,Sharepoint,MS Purview,DLP,MS Azure,AWS
SQL Server with Python & SQL, MS SQL Server MS SSMS MS SSRS MSSSIS
Raddon Analytics,Google Analytics,Meridian Link insight webbased reporting,ML LOS ,ML Access ,Trustage portal CuneXus software
Timeline
Business Analyst
Congressional Federal Credit Union
10.2021 - Current
Business Analyst
Codice Tech
05.2018 - 10.2021
Business Analyst
Data Group
02.2016 - 03.2018
Banker
Burke & Herbert Bank
03.2015 - 01.2016
Credit Analyst
Premier Bank Ltd
01.2011 - 01.2015
MBA - International Business Management
University Of Chittagong
BBA - Management Information Systems
University of Chittagong
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