Monali S

Partnered with banking, credit risk, and treasury teams to drive enterprise cloud and data transformation across core banking, lending, and investment reporting platforms. Defined cloud-based data workflows and ETL pipelines on AWS (S3, Glue, Redshift, Lambda), ensuring governed, auditable ingestion of financial and transaction data. Designed AS-IS / TO-BE operating models for loan origination, underwriting, and servicing aligned to scalable, API-led cloud architectures. Strengthened regulatory and data-governance controls by aligning cloud platforms with SOX, SEC, AML, KYC, and PCI DSS requirements. Supported automated financial consolidation and reconciliation between AWS data platforms and Oracle Financials to ensure GL accuracy and balance integrity. Collaborated with cloud, DevOps, and security teams to enforce CI/CD governance, IAM controls, encryption, and secure access for regulated banking workloads. Led data migration, validation, and reconciliation initiatives using SQL and structured mappings to ensure accuracy across lending and investment datasets. Delivered executive-level Power BI dashboards and portfolio analytics highlighting loan performance, delinquency, liquidity, and risk exposure. Coordinated delivery governance, UAT, and release readiness for large-scale lending modernization programs. Mentored junior analysts on cloud data practices, financial analytics, and regulatory compliance, fostering a data-driven transformation culture.

Led business analysis for modernization of large-scale E-Commerce platforms, translating merchandising, pricing, promotions and fulfillment needs into digital workflows. Partnered with product owners, marketing and operations to define epics, user stories and acceptance criteria in Agile Scrum. Governed Agile delivery using JIRA, ensuring end-to-end traceability and predictable sprint execution. Established Definition of Ready (DoR) and backlog prioritization practices to improve sprint reliability and reduce rework. Facilitated Agile ceremonies including sprint planning, stand-ups, reviews and retrospectives. Collaborated with engineering, QA, UX and DevOps teams to support CI/CD releases and cloud migration initiatives. Monitored delivery health using velocity, burndown and flow metrics, improving forecasting and delivery confidence. Supported production releases, data validation and root cause analysis to ensure platform stability and customer experience.

Partnered with underwriting, claims, actuarial, and finance teams to support modernization of P&C insurance platforms, spanning policy, claims, billing, and reinsurance workflows. Designed and optimized end-to-end policy lifecycle processes across commercial, personal, and specialty insurance products. Defined rating, underwriting, and claims requirements to improve quote-to-bind efficiency and operational accuracy. Led integration and reconciliation design across LOS, LoanIQ, and Oracle Financials, ensuring accurate GL mapping and financial alignment. Oversaw delivery governance and risk management using Sensei PPM, supporting audit readiness and regulatory compliance. Supported data migration and ETL initiatives from legacy policy and claims systems, ensuring data integrity and SOX/AML/KYC compliance. Executed advanced SQL-based data validation for premiums, losses, reserves, and reinsurance transactions. Led UAT planning and execution for policy issuance, renewals, endorsements, and claims payouts. Delivered Power BI dashboards and executive reporting covering loss ratios, combined ratios, catastrophe exposure, and financial performance. Presented program status, risks, and optimization insights to senior leadership across the P&C transformation portfolio.

Partnered with retail operations, finance, supply chain, and compliance teams to enhance omnichannel payment and card platforms across POS, mobile, and e-commerce. Defined secure end-to-end transaction flows incorporating PCI DSS compliance, tokenization, fraud controls, AML, and KYC requirements. Supported integration between retail ERP systems, Oracle Financials, payment gateways, and digital wallets through functional and API specifications. Drove requirement ownership across Agile and hybrid delivery models, maintaining traceability in JIRA and Confluence and supporting release readiness. Led UAT coordination across store, finance, and QA teams to validate real-world sales, refunds, promotions, and reconciliation scenarios. Performed data validation and reconciliation using SQL, Power BI, and financial reports to ensure transaction accuracy and compliance. Delivered executive-level dashboards and compliance reporting highlighting sales performance, authorization success, refunds, and fraud indicators. Supported post-implementation analysis by investigating transaction discrepancies and preventing revenue leakage.

Supported senior business analysts in gathering, documenting, and validating business requirements through stakeholder interactions. Assisted in preparing BRD and FRD, capturing business needs, process flows, and functional requirements. Documented As-Is and To-Be process flows and supported requirement translation into user stories and acceptance criteria. Participated in Agile ceremonies including sprint planning, stand-ups, backlog grooming, and sprint reviews. Worked with development and QA teams to clarify requirements and support accurate implementation. Assisted in UAT testing, defect tracking, and validation of fixes against business expectations. Performed basic data analysis using spreadsheets to support requirement validation and reporting. Maintained requirement traceability (RTM) and supported change management and project reporting activities.