Haribalasubramanian is a senior business analyst with over 5 years of experience in the banking industry. He has extensive experience in requirements elicitation, documentation, functional testing, and business analysis. He is proficient in trade finance processes like letters of credit and has worked on projects for Bank of America and Royal Bank of Scotland. He holds an MBA in Finance and Marketing and a bachelor's degree in Computer Science.

1. HARIBALASUBRAMANIAN
Email: hariveluchamy@gmail.com
Ph: (M) +91 9840043314
In pursuit of challenging assignments that would facilitate the maximum utilization and
application of my broad skills and expertise in making a positive difference to the organization
Energetic and result oriented Senior Business analyst professional in BANKING industry. Possess
around 5 years of experience in following areas financial analysis, product enhancement and Enterprise
banking business consulting.
● Good knowledge in the following areas; trade line & trade flow applications, Account
Management and letter of credit.
● Hands on experience in requirement elicitation, documentation, UML diagrams and functional
UAT testing.
● Adroit in learning new technologies; Ability to work both in independent and collaborative milieu
● Skilled team player with proven ability to lead and motivate teams to maximize productivity
● Sound communication skills through patient and persistent dialogue; Disciplined, versatile and big
picture thinker.
CORE COMPETENCIES
● Business analysis
● Requirement analysis & elicitation
● Functional testing
● Technical documenting skills
● Trade Business
● Business level communications
● Market research
● LC Cycle
TECHNICAL PROFICIENCY
Operating Systems: Windows 8, 7, Vista and XP
Modelling Languages: UML
Applications: MS Word, MS Excel, MS PowerPoint
Certification: Certificate Documentary Credit specialist (CDCS)
PROFESSIONAL EXPERIENCE
Bank Of America, Chennai, India
(Apr‘14- Present)
Senior Business Analyst
Key Deliverables:
● Requirement elicitation of Business requirements for our online Trade line and Trade flow for
complete LC cycle.
● Prepare process enhancement and represent them through business flows, UML diagrams and
preparation of Business Specification document for Payments, general ledger and Swift
transmission.
● Assist the project manager in every sprint planning for effective delivery of the module.

2. ● Coordinate with QA team in functional and UAT testing.
● Perform functional and UAT testing post development and provide feedback to the development
to ensure an effective delivery of the end product.
● Co-ordinate with business users for product enhancement and future release plans.
● Checking workability issues of various LCs for adding confirmation.
● Making customized online presentations (Web EX) and proposals based on individual customers
requirement.
● Building action plans to identify target market. Performing Market research, Prospecting and
contacting level stakeholders of TARGET retailer (USA) .
● Complying with AML policies, Sanctions policies and procedures and Compliance.
● Handling Entire cycle of LC – market research, online presentation, trial period, closure of LC in
coordination with BDM.
● Review letter of credit documents to determine compliance with international standards.
● Verify terms of credit, such as amount, insurance coverage, and shipping conditions to determine
compliance with established standards.
RBS, Chennai, India
(Sep’11- Mar’14)
Business Analyst
Key Deliverables:
● Working in the Transition team along with two other financial analysts.
● Reviewing client samples and analyzing the input document in the transition phase and
optimizing the output file that needs to be sent out to the client.
● Identified the gap in my process and simplified the process flow
● Give project training for the operations team once the project is moving from transition to
production stage.
● Take care of the following documentation; Project SOP, Transition transfer document (TTD),
Project escalation matrix, process flow and preparation of checklist.
● Providing support/answering queries on a regular basis through calls/mails to various business
partners and clients globally.
● Created some action plan for new comers for quick learning the flow of process.
● Processing the payments within the GBP and Courier cut off (SWIFT 202 and 103).
● Ensuring the efficient, timely and quality delivery of transactions.
● Find out the people capability and gave sufficient training for them.
● Determining the business needs and data requirements of external and internal clients through
interviews, consultations, document analysis, surveys, business process descriptions, and task
and workflow analysis.
Requirement elicitation and analysis. Preparation of Business requirement document and
coordinating with development team for effective delivery of the product.
● Developing process flows, use cases, functionalities and validations for the end user business
applications.
● Evaluate the information gathered and distinguish between individual wants and actual business
needs.
● Maintain relationship between the business's operational needs and technology delivery.
● Identifying and generating new business opportunities for the range of Services with respect to
export and import industry.
● Account management & establishing strategic alliances.
● Being with the business development team and handle escalations, customer issues which the
respective executive brings.
PROJECTS HANDLED
Account Management (A windows and web application for handling Nostro account and Client
account)

3. Organization: Royal Bank of Scotland.
Duration: 31 months
Project description:
● Account management application is used by the RBS team for checking debit and credit entry.
● Account Management application is currently used by 200 plus employees which includes both
RBS and it’s client.
● The application has modules covering operations starting from data collections, data entry, data
analysis, risk assessment, marketing, pricing and customer care.
Target (USA) (LC Issuance, advising and payment: A LC based application for EXPORT and
IMPORT)
Organization: Bank of America
Duration: 24 months and counting
Project description:
● Tarde Flow and Trade Line is an online based application facilitating US trade.
● This product is aiming at providing trade services to US States with currently providing services
for Target Retail customer.
● A one stop intranet tool for the employees across both Bank Of America and Target (USA).
● The intranet tool is currently used by 600+ users for handling their discrepancies and
management interactions.
● The tool also handles management system which comprises of LC incoming and outgoing SWIFT
message.
● Using this tool, we can make payment (Debit and Credit) the Client and Bank accounts.
ACADEMIC CREDENTIALS
Masters of Business Administration (Finance and Marketing)
Dr. Grd academy of management, Coimbatore.
2009- 2011
Percentage: 74%
Bachelors of Engineering (Computer Science)
VLB Janakiammal college of Engineering and Technology, Anna University- Coimbatore, Tamil Nadu
2004 - 2008
Percentage: 70% (First class)
OTHER PARTICULARS
● Attended Certificate Documentary Credit Specialists(2015) organized by International Financial
Service (London)
● Active CDCS holder.
PERSONAL DETAILS
Date of Birth: 25th May, 1987
Languages Known: English and Tamil
Mailing Address: 726, AVRM colony, Sankarankovil.

4. References: Available upon request
(HARI BALA SUBRAMANIAN)