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.
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
<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.