Summary
Overview
Work history
Education
Accomplishments
Internships - Birmingham City Council
Internships - Virgin Money - Brownswood Recordings
Internships - Timpsons
Timeline
Generic

Cherish Matthew

Summary

Dynamic Business Analyst with 6 years of experience in banking and financial services, holding a Master’s in Business Administration. Experienced in core banking transformation, digital payments, regulatory compliance, and risk management, having worked with Bank of America and Barclays to optimize loan origination, fraud detection, and digital banking solutions. Skilled in GAP analysis, business process reengineering, and stakeholder management, ensuring alignment with Basel III, AML/KYC, and other financial regulations. Proficient in JIRA, Confluence, Power BI, and cloud-based financial platforms, with expertise in AI-driven fraud prevention, data analytics, and Agile methodologies. A strategic thinker with a track record of driving operational efficiency, regulatory adherence, and customer-centric banking innovations.

Overview

6
6
years of professional experience
5
5
years of post-secondary education

Work history

Senior Analyst

Accenture Pvt Ltd - Client - Bank Of America
Bangalore
11.2018 - 11.2022
  • Conducted requirement gathering workshops with stakeholders across Retail Banking, Treasury, Compliance, Risk Management, and Digital Transformation to support core banking re-platforming projects.
  • Led the discovery phase, performing gap analysis between legacy banking systems and new platform requirements, ensuring smooth transitions for retail and corporate banking customers.
  • Strengthened stakeholder alignment by optimizing the approval and sign-off process, improving adherence to Dodd-Frank, CFPB, and SEC compliance standards.
  • Conducted Agile sprint demos, showcasing enhancements in digital account opening, credit risk models, real-time payments, and loan origination automation.
  • Spearheaded business process optimization, increasing operational efficiency by 30% through automated loan underwriting, fraud detection, and AI-driven compliance monitoring.
  • Managed two large-scale banking transformation projects focused on loan processing automation and digital payment integration, ensuring seamless interaction with SWIFT, ACH, and RTP (Real-Time Payments) networks.
  • Collaborated with the Marketing Analytics and Wealth Management teams to enhance digital banking adoption, resulting in a 20% increase in mortgage applications and a 35% boost in investment account enrollments.
  • Developed end-to-end process mapping from customer onboarding to financial reconciliation, improving workflows for KYC validation, AML checks, and credit risk assessment.
  • Designed and facilitated User Acceptance Testing (UAT) for digital banking platform upgrades, ensuring business users and compliance teams were equipped for seamless transitions.
  • Gained expertise in Kafka, Confluent Cloud, Salesforce Financial Services Cloud, Snowflake, and Tableau, leveraging data analytics to improve risk modeling, fraud detection, and financial reporting.
  • Championed in fraud detection and cybersecurity measures, integrating machine learning algorithms to enhance transaction monitoring and real-time risk mitigation.

Associate Analyst

Accenture Pvt Ltd - Client - Barclays
Bangalore
11.2016 - 11.2018
  • Developed Business Functional Requirement Documents (BFRD) for core banking modernization, loan origination, payments infrastructure, and financial risk management, supported by use cases, prototypes, wireframes, and Visio process maps.
  • Performed impact analysis and fit-gap analysis to assess the transition from legacy banking systems to cloud-based financial platforms, ensuring regulatory and operational alignment.
  • Led backlog grooming and prioritization of user stories using the MoSCoW technique in a cross-functional Agile environment, optimizing banking operations and digital services.
  • Reviewed and prioritized financial product features, enhancing transparency in loan processing, credit risk management, and digital payments, leading to a 15% improvement in customer experience.
  • Achieved client sign-offs at every project stage, ensuring compliance with Basel III, AML/KYC, and PCI-DSS regulations, reducing project cycle time by 10% and strengthening regulatory adherence.
  • Provided strategic guidance to Agile teams, addressing business pain points, leading requirements elicitation, business process transformation, and regulatory compliance mapping for retail and corporate banking.
  • Designed and maintained non-functional requirement artifacts for real-time payments, credit card processing, and risk assessment frameworks, ensuring resilience and regulatory compliance.
  • Led functional testing, defect triage, gap analysis, and production warranty support for online banking, loan origination systems, and treasury management platforms.
  • Conducted requirement refinement sessions and solution walkthroughs with financial risk teams, compliance officers, and technical teams, enhancing project alignment and execution.

Education

Master of Business Administration - Finance, International Business

Aston Business School
10.2022 - 01.2024

Bachelor of Technology -

Karunya University
06.2012 - 05.2016

Accomplishments

  • Accenture Celebrity Excellence, Best individual performance - 2021
  • Magic Cabinet award, Optimizing Business Processes - 2020
  • Star Performer award, Creating the maximum number of SOP Documents (Incident Resolution Manual) - 2019
  • Star Event Manager, For Organizing all cultural and recreational events - 2018 & 2019
  • Accenture Greater than award, Creating 25+ Major issue documents (KBD) for reducing the inflow by 40% - 2018
  • Accenture Innovation Star Award, Development of algorithm for automation of forecasting, saving the company 2,000 man-hours per year - 2018

Internships - Birmingham City Council

  • Implemented and optimized lean methodologies for Adult Social Care Services, resulting in significant improvements: Increased productivity by 20% through lean procedures (Process Improvement, Lean Methodologies)
  • Achieved a 15% reduction in delays and a 25% improvement in service delivery with lean principles (Lean Implementation, Performance Improvement) Enhanced employee engagement by 30% via team workshops (Team Facilitation, Communication Skills)
  • Reduced operating expenses by 30% and resource waste by 20% using lean tools (Lean Tools and Techniques, Cost Reduction)

Internships - Virgin Money - Brownswood Recordings

  • Developed and implemented strategic plans to boost customer retention, revenue, and market share for Brownswood Recordings
  • Increased market share by 5% and customer retention by 10% through targeted marketing strategies and market analysis

Internships - Timpsons

  • Developed and proposed a project plan to implement a service subscription model aimed at enhancing customer engagement
  • Forecasted a 40% boost in customer engagement through strategic project planning, financial analysis, and forecasting

Timeline

Master of Business Administration - Finance, International Business

Aston Business School
10.2022 - 01.2024

Senior Analyst

Accenture Pvt Ltd - Client - Bank Of America
11.2018 - 11.2022

Associate Analyst

Accenture Pvt Ltd - Client - Barclays
11.2016 - 11.2018

Bachelor of Technology -

Karunya University
06.2012 - 05.2016

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Cherish Matthew