Summary
Overview
Work history
Education
Skills
Timeline
Generic

Charlotte Wu

Summary

Banking & Financial Systems Business Analyst with 5+ years’ experience delivering enterprise-level digital banking and core system transformation initiatives. Proven track record in BRD ownership, UAT strategy, regulatory-aligned system design (AML/FATCA), cross-currency credit exposure control, and corporate e-banking product development. Experienced in leading cross-functional workshops, IBM vendor alignment, and translating complex financial policies into scalable digital workflows.

Overview

9
9
years of professional experience
5
5
years of post-secondary education

Work history

Merchandising Assistant (Business Systems & Forecasting Analysis Focus)

Harrods Ltd
London, UK
2024.10 - 2026.02
  • Analysed SAP-based inventory and sales data to forecast inbound delivery timelines across 40–50 vendors, mitigating supply risks and enabling timely escalations.
  • Performed gross margin visibility and financial accuracy by synthesising performance reporting with PO discrepancy resolution, ensuring alignment with internal controls and improving financial reporting integrity.

Private Shopping &Private Service Suite Operation

Harrods
London
2024.10 - Current
  • Oversaw settlement exposure across 120+ UHNW client accounts (incl. royals & dignitaries), ensuring accurate matching of voucher-based consumption against bank remittances exceeding £30M+ annually.
  • Delivered monthly reconciliations and aged-debt variance reporting to senior management, collaborating with internal audit on remediation steps that reduced outstanding balances.
  • Investigated settlement discrepancies, executed corrective adjustments, and ensured accurate closure of sensitive transactions in line with internal control expectations.

Senior Digital Channel Project Manager & Business Analyst

The Shanghai Commercial & Savings Bank
Bank, Taipei
2019.02 - 2024.02

Core Banking Integration — Cross-Currency Exposure Control Redesign (IBM-led)

  • Owned end-to-end BRD for Digital Finance Division during NTD & FX core banking integration, redesigning fragmented dual-currency credit limit structures into unified exposure aggregation framework aligned with regulatory requirements.
  • Introduced National ID-based consolidation logic to prevent cross-entity over-borrowing, replacing manual FX-dependent validation processes with system-enforced controls.
  • Led cross-functional workshops across IT, Risk, Corporate Banking and IBM vendor teams, challenging feasibility constraints and influencing final system architecture decisions.

Corporate E-Banking Mobile App — Import & Financing Repayment Design

  • Developed design of end-to-end digital repayment workflows for corporate import and financing transactions, capturing requirements through stakeholder interviews, mapping user journeys, and performing UAT testing to validate system functionality.
  • Contributed to USB-token authorization redesign enabling mobile approval functionality, driving 33% increase in active corporate digital users.

Corporate E-Banking Mid-Office Functional Optimization (Trade Finance)

  • Appointed project owner for trade finance module enhancement, directing 10+ functional improvement streams including LC issuance and balance inquiry workflows.

Business Analysis Intern(Banking)

Bank of Communications
Shanghai, China
2017.07 - 2017.08
  • Led 7-person research workstreams mapping customer journeys and benchmarking competitor credit-card propositions, synthesising insights into actionable problem statements and piloting targeted solutions that validated assumptions, resulting in 15% conversion uplift.

Education

Master of Science - Financial Management

University of Birmingham
United Kingdom
2017.09 - 2018.12

Bachelor of Arts - Economics

Tamkang University
Taiwan
2012.09 - 2016.06

Diploma of Higher Education - Data Engineering & Analytics

ISpan
Taiwan
2024.02 - 2024.08

Skills

  • BRD & user story ownership
  • UAT strategy & execution
  • Release readiness
  • Stakeholder engagement& management
  • Cross-functional coordination
  • Operational efficiency
  • Process redesign
  • Finance Transformation & BA
  • Business case support
  • Issue & risk management
  • Decision facilitation
  • Vendor management
  • Banking & Finance Domain
  • Core banking
  • E-commerce systems
  • Reconciliation & settlement
  • Financial controls
  • Exception handling
  • SAP-based validation
  • SQL knowledge
  • ERP knowledge
  • User acceptance testing
  • Financial Forecasting
  • Leading cross-functional teams

Timeline

Private Shopping &Private Service Suite Operation

Harrods
2024.10 - Current

Merchandising Assistant (Business Systems & Forecasting Analysis Focus)

Harrods Ltd
2024.10 - 2026.02

Diploma of Higher Education - Data Engineering & Analytics

ISpan
2024.02 - 2024.08

Senior Digital Channel Project Manager & Business Analyst

The Shanghai Commercial & Savings Bank
2019.02 - 2024.02

Master of Science - Financial Management

University of Birmingham
2017.09 - 2018.12

Business Analysis Intern(Banking)

Bank of Communications
2017.07 - 2017.08

Bachelor of Arts - Economics

Tamkang University
2012.09 - 2016.06
Charlotte Wu