Fintech Business Analyst

Hard Skills

- Financial Data Analysis & Modeling

- Payment Systems & Digital Wallets

- Regulatory Compliance (KYC/AML, PSD2, PSD3)

- Business Requirement Documentation (BRD, FRD)

- Data Visualization & BI Tools (Tableau, Power BI)

- SQL, Python (Pandas, NumPy)

- API Integration & Microservices Architecture

- Agile & Scrum Methodologies

- User Story Development & Stakeholder Engagement

Soft Skills

- Strategic Thinking

- Cross-Functional Collaboration

- Problem-Solving & Critical Thinking

- Effective Communication & Presentation

- Adaptability to Regulatory Changes

- Customer-Centric Approach

*Senior Fintech Business Analyst*

*Innovate Fintech Solutions, San Francisco, CA*

June 2022 – Present

- Led the analysis and design of a new mobile payment platform supporting over 2 million active users, resulting in a 30% increase in user engagement.

- Managed end-to-end requirements gathering for API integrations with third-party payment gateways, aligning with PCI DSS standards.

- Facilitated scrum ceremonies and translated business needs into detailed functional specifications, accelerating project delivery by 20%.

- Partnered with the compliance team to embed AML and KYC functionalities within the transactional flow, ensuring adherence to evolving regulations.

*Fintech Business Analyst*

*PayX Technologies, New York, NY*

August 2018 – May 2022

- Analyzed and optimized existing digital wallet offerings, increasing transaction throughput by 25%.

- Developed data dashboards using Power BI to monitor fraud detection efficiency, contributing to a 15% reduction in false positives.

- Collaborated with product teams to redesign the onboarding process, reducing customer onboarding time by 40%.

- Conducted market research and competitive analysis to inform product roadmap strategy aligned with PSD2 and open banking standards.

*Junior Business Analyst*

*MoneyMate Inc., Chicago, IL*

June 2016 – July 2018

- Supported senior analysts in modeling payment reconciliation processes, reducing manual errors by 20%.

- Documented detailed business use cases for features related to digital lending, supporting stakeholder approval.

- Assisted in testing new features and ensuring regulatory compliance for semi-automated remittance services.

**Bachelor of Science in Finance & Information Systems**

University of Illinois, Urbana-Champaign, IL

*2012 – 2016*

- Certified Business Analysis Professional (CBAP) — IIBA, 2023

- Certified Scrum Product Owner (CSPO) — Scrum Alliance, 2022

- Certified Payments Professional (CPP) — Electronic Transactions Association, 2021

- Financial Data Analysis & Visualization — Coursera, 2023

Digital Wallet Expansion Initiative

Led a cross-functional team to develop a multi-currency digital wallet integrated with blockchain-based settlement, resulting in 50% faster transaction processing and expanded user base across North America and Europe.

AI-Driven Fraud Detection System

Collaborated with data science teams to implement an AI-powered fraud analysis tool that reduced transaction fraud losses by 18%. Developed key user stories and usability testing protocols that streamlined deployment.

Regulatory Compliance Automation Platform

Speared the creation of an automated compliance reporting system for AML/KYC procedures, decreasing manual effort by 60% and ensuring real-time reporting aligned with PSD3 requirements.

- Payment Gateway APIs (Stripe, PayPal, Plaid)

- BI & Data Visualization (Tableau, Power BI)

- SQL & Python Data Tools (Jupyter, Pandas)

- JIRA, Confluence, Trello

- API Management & Microservices

- Figma & Balsamiq (Wireframing)

- English (Native)

- Spanish (Professional Working Proficiency)