Suchitra Anekalu
Senior Business Analyst
San Antonio
Summary
Senior Business Analyst with 8+ years of experience in Banking and Payments, specializing in real-time fraud detection and dispute management systems. Led design and implementation of risk-based decisioning, MFA workflows, and transaction monitoring solutions, improving fraud detection accuracy and reducing operational risk. Strong expertise in requirements engineering, stakeholder management, and end-to-end SDLC delivery across API-driven and microservices architectures. Proficient in SQL, data validation, and system integration, with hands-on experience in Postman and Swagger.
Overview
2027
2027
years of professional experience
3
3
Certifications
Work History
- Delivered business analysis for a real-time credit card payments fraud detection system, defining fraud scoring rules, risk-based decisioning, and MFA workflows to enhance transaction security and reduce fraud exposure.
- Defined business rules and end-to-end workflows for credit card dispute management, including duplicate prevention, rule-based case assignment, and provisional credit automation to improve operational efficiency and regulatory compliance.
- Contributed to supply chain and logistics operations by establishing inbound validation rules, receiving controls, and exception handling workflows to improve inventory accuracy and shipment visibility across operations consistently.
- Developed source-to-target mapping (STTM), data transformation logic, and validation checkpoints for transaction data, fraud scores, dispute cases, and inventory records across integrated systems ensuring consistency and accuracy.
- Performed SQL-based data analysis and validation to verify fraud transactions, dispute outcomes, and inventory data, identifying discrepancies and ensuring data accuracy across multiple services and business domains.
- Produced key business artifacts including BRDs, FRDs, RTMs, process flows, user stories, and acceptance criteria to ensure traceability and structured delivery across projects throughout the complete project lifecycle phases.
- Collaborated with cross-functional stakeholders including fraud analysts, dispute operations teams, warehouse users, compliance, QA, and development teams to align requirements, resolve defects, and support UAT and go-live readiness.
Senior Business Analyst
USAA Bank
09.2025 - Current
- Delivered real-time credit card payment fraud detection solution by defining risk scoring workflows, transaction monitoring logic, and integrating NICE Actimize to enable accurate and scalable fraud decisioning across high-volume card transactions.
- Defined risk-based decisioning framework by translating raw fraud scores into low, medium, and high-risk categories, establishing threshold rules, and aligning with Compliance and Operations teams to standardize fraud detection.
- Designed and implemented multi-factor authentication (MFA) workflows for medium-risk transactions using OTP and push notifications, ensuring secure customer verification, improving fraud prevention accuracy.
- Led development of fraud case management process by defining case creation triggers, data capture requirements, and integration with case management systems, enabling structured investigation workflows.
- Defined risk-based case prioritization and routing logic to automatically assign fraud cases to Tier 1 and Tier 2 analysts, leveraging risk scores, transaction value, and customer behavior, ensuring faster resolution and adherence to SLA standards.
- Conducted requirements elicitation sessions with Fraud Operations, Compliance, and Product stakeholders using interviews and workshops, capturing functional requirements, defining business rules.
- Performed as-is and to-be process analysis for fraud detection workflows, identifying gaps, inefficiencies, and manual dependencies, and proposed optimized future-state solutions to enhance automation and accuracy.
- Defined detailed user stories and acceptance criteria in JIRA, ensuring alignment with Definition of Ready (DoR) and Definition of Done (DoD), enabling development teams to clearly understand requirements and deliver features.
- Created and maintained Requirement Traceability Matrix (RTM) to map business requirements to user stories, test cases, and defects, ensuring complete coverage, traceability, and validation across all phases of the SDLC lifecycle.
- Facilitated stakeholder alignment and decision-making workshops to resolve conflicting requirements between Operations and Compliance, using decision tables and rule matrices to finalize validation rules and routing logic.
- Collaborated with technical teams to design system architecture by defining API integrations, data flow diagrams, and interactions with NICE Actimize ensuring seamless real-time communication between authorization system and scoring engine.
- Supported system integration testing (SIT) and user acceptance testing (UAT) by preparing test scenarios, test cases, and validation datasets, coordinating with QA and business users to ensure end-to-end functionality and requirement validation.
- Led defect triage and resolution process by analyzing defects, identifying root causes, and coordinating with development teams, ensuring timely fixes, proper prioritization, and successful validation of fraud detection workflows.
- Participated in Agile Scrum ceremonies including sprint planning, backlog refinement, daily stand-ups, and retrospectives, ensuring smooth sprint execution, clear communication and stakeholder alignment across teams.
- Supported backlog prioritization by collaborating with Product Owner to refine and sequence user stories based on business value, risk impact, and dependencies, ensuring optimal delivery of fraud detection.
- Ensured user stories readiness by validating acceptance criteria, resolving ambiguities, and aligning requirements with development teams, enabling efficient sprint execution and improved development productivity.
- Coordinated with cross-functional teams to manage dependencies and impediments, proactively tracking risks and facilitating timely resolution to maintain sprint commitments and avoid delivery delays.
- Contributed to continuous improvement initiatives by identifying process gaps during retrospectives, recommending enhancements in requirement clarity and testing approach to improve overall team efficiency.
- Applied strong fraud domain knowledge to define transaction monitoring rules, including velocity checks, behavioral patterns, and anomaly detection, improving accuracy in identifying suspicious activities across card transactions.
- Ensured alignment with regulatory and compliance standards such as PCI DSS and internal fraud policies, incorporating mandatory validations, audit trails, and secure data handling practices within fraud detection workflows.
- Defined and validated fraud decision outcomes including approving payment, decline of payment, and step-up scenarios, ensuring consistent behavior across all transaction types and minimizing financial loss while maintaining customer trust.
- Collaborated with Fraud Operations teams to understand real-world fraud scenarios and patterns, incorporating insights into business rules and improving detection capabilities for emerging fraud trends and edge cases.
Senior Business Analyst
TD Bank
10.2024 - 09.2025
- Defined business requirements and end-to-end workflows for the Credit Card Dispute Portal Enhancement, focusing on duplicate prevention, case routing, and analyst workbench, aligning with Operations and Compliance.
- Conducted stakeholder interviews and JAD sessions with Operations, Compliance, and Product teams to gather requirements for rule-based case assignment and SLA pause logic, ensuring clarity on business rules and decision criteria.
- Performed As-Is and To-Be analysis for dispute intake and processing flows, identifying gaps in manual case allocation and duplicated handling, and proposed automated solutions to improve operational efficiency and accuracy.
- Created detailed BRD, FRD, and process flow diagrams to document duplicate check logic, case assignment rules, and unified analyst view, ensuring traceability and alignment across business and technical teams.
- Designed system workflows using UML diagrams to define interactions between validation services, duplicate check APIs, and case management systems, ensuring clear technical understanding and stakeholder alignment.
- Defined business rules and validation criteria for document evidence completeness and SLA management, including pause/resume conditions, ensuring compliance with regulatory expectations and reducing false SLA breaches.
- Identified API sequencing issues and system orchestration gaps across validation, duplicate check, and case management services, ensuring correct execution flow and preventing duplicate case creation in production environments.
- Performed system analysis on unified analyst case view, mapping data from multiple sources like transaction service, customer account service, and document repository, ensuring seamless data consolidation on a single screen.
- Supported SIT and UAT testing by creating test scenarios, test cases, and validation datasets for duplicate detection, case routing, and SLA logic, ensuring all functional and edge case scenarios were thoroughly validated.
- Executed data validation using SQL queries to verify duplicate transaction detection, case assignment accuracy, and SLA calculations, ensuring data integrity and consistency across integrated systems.
- Collaborated with QA and developers during defect triage, analyzing issues related to API sequencing, data mismatches, and workflow failures, and ensured timely resolution with proper root cause identification and retesting.
- Facilitated Agile ceremonies including sprint planning, backlog refinement, and daily stand-ups, ensuring clear prioritization of features like duplicate prevention and case routing aligned with business goals.
- Worked closely with Product Owner to refine user stories and acceptance criteria, ensuring they met Definition of Ready (DoR) and were clearly understood by development and QA teams before sprint execution.
- Managed backlog prioritization by aligning business value, compliance needs, and technical dependencies, ensuring high-impact features like SLA pause logic and analyst view enhancements were delivered on time.
- Coordinated cross-functional collaboration between Operations, Compliance, and Development teams, resolving conflicts related to validation strictness vs processing speed through structured discussions and decision tables.
- Participated in sprint reviews and retrospectives, capturing feedback on system performance and user experience, and drove continuous improvement initiatives to enhance delivery efficiency and product quality.
- Designed API integration workflows for duplicate check service and case creation, defining request/response structures, validation logic, and sequencing to ensure duplicate validation occurs before case initiation in the system.
Senior Business Analyst
H-E-B
01.2022 - 10.2024
- Delivered business analysis for warehouse and logistics operations at H-E-B, defining inventory workflows, inbound receiving processes, and shipment tracking mechanisms to improve operational efficiency, enhance inventory visibility.
- Analyzed end-to-end supply chain workflows including ASN validation, goods receiving, put-away, and dispatch processes to identify inefficiencies, eliminate process bottlenecks, and streamline warehouse operations.
- Defined functional requirements and business rules for ASN validation, ensuring accurate shipment data capture, mismatch detection, and prevention of incorrect inventory intake while improving data integrity.
- Designed To-Be workflows for warehouse operations including receiving, inventory updates, and exception handling to reduce manual effort, improve processing accuracy, and enable seamless coordination.
- Facilitated stakeholder workshops with warehouse users, operations teams, and supply chain managers to gather requirements, define business rules, and align on process improvements while ensuring stakeholder consensus.
- Defined validation rules for inbound shipments including quantity checks, SKU validation, barcode scanning, and tolerance limits to ensure accurate inventory intake, reduce discrepancies, and enhance data quality across warehouse.
- Performed gap analysis between legacy warehouse processes and proposed system enhancements, identifying inefficiencies, uncovering process gaps, and recommending automation opportunities to improve operational performance.
- Developed source-to-target mapping (STTM) for inventory, shipment, and warehouse data ensuring accurate data transformation, consistency, and traceability while supporting seamless data integration.
- Collaborated with technical teams to design API integrations between warehouse management systems (WMS), inventory systems, and shipment tracking services to enable real-time data synchronization, improve system communication.
- Performed SQL-based data validation and data reconciliation to verify inventory movements, shipment records, and exception cases, identifying discrepancies and ensuring high data accuracy across integrated systems and reporting layers.
- Defined exception handling workflows for scenarios such as damaged goods, missing shipments, and quantity mismatches, enabling faster issue resolution, improving warehouse efficiency, and minimizing operational disruptions.
- Supported user story creation and backlog refinement by translating logistics requirements into detailed user stories and acceptance criteria aligned with Definition of Ready (DoR) and Definition of Done (DoD).
- Coordinated SIT and UAT testing by preparing test scenarios covering receiving, inventory updates, shipment tracking, and exception handling, ensuring system behavior aligned with business requirements.
- Collaborated with QA, operations, and warehouse teams during defect triage to resolve issues related to inventory discrepancies, shipment mismatches, and validation failures, ensuring smooth release cycles and improved system reliability.
- Supported deployment and post-production activities including release validation, monitoring logistics workflows, and resolving production issues, ensuring stable system performance, quick issue resolution.
Business Analyst
Kotak Bank
06.2015 - 05.2019
- Supported requirement gathering for automating reconciliation between upstream transaction systems and General Ledger to reduce manual spreadsheet effort and improve reconciliation efficiency and accuracy across financial processes.
- Captured matching rules, exception scenarios, and reporting requirements from finance users to enable a controlled reconciliation process and improve visibility into unmatched transactions and exception handling scenarios.
- Performed As-Is and To-Be process flows to identify manual pain points, highlight control gaps, and define workflow improvements supporting enhanced financial reconciliation processes and operational efficiency across teams.
- Produced key artifacts including BRDs, FRDs, process flows, user stories, and test artifacts to ensure requirement clarity, stakeholder alignment, and structured delivery throughout the project lifecycle phases.
- Defined functional requirements for reconciliation logic including matching rules, exception handling, and unmatched transaction processing within the system, ensuring compliance with regulatory expectations and reducing false SLA breaches.
- Supported user story grooming by refining requirements, clarifying acceptance criteria, and ensuring alignment with Definition of Ready (DoR) and Definition of Done (DoD) to enable smooth development and testing execution.
- Clarified reconciliation rules and exception handling logic for development teams during design and build phases to ensure accurate implementation aligned with defined business and finance requirements ensuring consistent system performance.
- Partnered with finance users during testing to validate reconciliation results, perform defect triage, and confirm system outputs aligned with expected financial outcomes and reconciliation requirements ensuring accurate financial reporting.
- Supported deployment readiness and production transition activities, including final validation and user handover, ensuring smooth rollout and adoption of reconciliation processes within the organization ensuring seamless system transition.
- Coordinated post-production support, tracking issues and enhancement requests with finance and technical teams to stabilize reconciliation workflows and ensure consistent system performance after go-live.
- Performed data analysis using SQL to validate reconciliation outputs, identify data mismatches between upstream transaction systems and General Ledger, and support root cause analysis for discrepancies, improving data accuracy.
- Supported system integration between upstream transaction systems and Oracle Financials by defining data mappings, transformation rules, and validation checks, ensuring end-to-end data consistency and reliable financial reconciliation processing.
Education
Masters - Technology Management
Pittsburg State University
Pittsburg, KS, USABachelors - undefined
Osmania University College for Women
Hyderabad, IndiaSkills
- Banking, Fraud & Dispute Domain – Credit Card Fraud Detection, NICE Actimize, Risk Scoring, MFA, Transaction Monitoring, Dispute Management, Chargebacks, Provisional Credit Processing, Compliance & Audit Handling
- Supply Chain & Logistics – Inventory Management, Logistics, Shipment Tracking, ASN Validation, Warehouse Operations, Exception Handling, Supply Chain Process Optimization
- Requirements & Business Analysis – Requirements Elicitation, Functional Requirements, Business Rules Definition, User Stories, Acceptance Criteria, Gap Analysis, Change Requests, RTM, Stakeholder Workshops
- Data Analysis & Validation – SQL, Data Validation, Data Profiling, Reconciliation, Source-to-Target Mapping, Data Quality Checks, Variance Analysis, Exception Analysis
- API & Integration – REST APIs, Microservices Architecture, API Integration, Swagger, Postman, JSON/XML, API Mapping, Request/Response Validation, Upstream/Downstream System Integration
- ETL & Data Processing – ETL Analysis, Data Transformation Rules, Data Mapping, Migration Validation, Reporting Accuracy Checks, Batch vs Real-Time Data Processing
- Documentation & Process Modeling – BRD, FRD, RTM, Process Flows, As-Is/To-Be Analysis, Use Case Diagrams, Sequence Diagrams, Workflow Documentation, Functional Specifications
- Testing & Release Support – SIT, UAT, Test Scenarios, Defect Triage, Defect Tracking, Root Cause Analysis, Go-Live Readiness, Hypercare Support
- Methodologies & Delivery – Agile, Waterfall, Sprint Planning, Backlog Refinement, PI Planning, Dependency Management
- Tools & Collaboration – SQL, JIRA, Confluence, Postman, Swagger, Visio, Excel, Power BI, Cross-Functional Stakeholder Coordination
Certification
Certified Business Analysis Professional (CBAP) | International Institute of Business Analysis (IIBA) | 2022
Timeline
Senior Business Analyst
USAA Bank
09.2025 - Current
Senior Business Analyst
TD Bank
10.2024 - 09.2025
Senior Business Analyst
H-E-B
01.2022 - 10.2024
Business Analyst
Kotak Bank
06.2015 - 05.2019
Bachelors - undefined
Osmania University College for Women
Masters - Technology Management
Pittsburg State University