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Resume for carmenza M. for Business Analyst / Banking in New York, New York

Occupation: Business Analyst Industry: Banking
Country: United States City: New York
State: New York ZIP: 10021

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East th Street Apt. C New York, New York
Risk Manager with expertise in domestic and international operational risk and credit risk. Diverse experience as a
manager, supervisor and consultant working with companies in the financial services, consumer packaging,
pharmaceutical, cosmetic, mortgage securities, energy, and transportation industries. A bilingual, high energy project
manager with exceptional analytical, communication and interpersonal skills. Proficient in multiple professional
|Sarbanes Oxley Analysis of Internal Controls |Compliance and Regulatory Risk |
|Asset and Fund Risk Management |Financial and Business Planning |
|Credit Derivatives/ Valuation Operations |Consumer and Investment Banking Operations |
|Broker Dealer Operations |Process Reengineering / Vendor Management |
Societe Generale,ÊNew York, NYÊÊÊÊÊÊÊÊÊÊÊÊÊ
Senior Internal Audit Services, Fixed Income and Risk,
• Performed specialized reviews in the areas of risk management, foreign exchange, liquidity, funding, trading
desk, compliance, accounting, and prime brokerage.
• Conducted reviews for severalÊregulatory requirements including KYC, Call Report, and AML.
• Worked with regulators and management to analyze and implement rule changes pertaining to SEC, FEDs, and
Basel II compliance. Participated in regulatory and internal investigations.
• Enhanced the banks KeyÊRiskÊIndicator program, including policy, procedure and operating manual
• Designed and planed reviews, assessed internal controls, recommended improvements to management to mitigate
risk, reported on findings, and monitored implementation of remediation plans.
• Conducted risk assessments for several business units, including prime brokerage, credit risk and market risk and
evaluated those risksÊbased on Basel II compliance requirements.
• Ensured that all businesses including their supporting departments were in full compliance with the bank’s
policies and procedures and government laws and regulations. Assessed the risk associated with new
• Performed business reviews and liaised with senior management in key business areas impacted by strategy
KPMG LLP, New York, NY
Senior Financial Risk Management/Operational Risk, Risk Advisory Services
Advised major financial service firms Morgan Stanley, Jefferies Investment Bank, General Motors, Broadridge,
Freddie Mac, and many others on risk compliance, control transformation, project management, and operational
issues in the areas of Credit Derivatives, Asset and Fund Management, Valuation, and Sarbanes Oxley compliance.
Specific Areas of concentration include Investment Banking, BrokerDealer Operations and Corporate Governance.
Projects managed include:
• Conducted SarbanesOxley Act SOX compliance requirements for several clients which included updating key
control inventory, process maps, identifying key controls, discovering deficiencies and recommending
remediation plans.ÊÊLed SarbanesOxley compliance in Spanish for Major Latin American companies in the
areas of financial reporting, systems, tax, revenue, and treasury.
• Executed operational risk analysis including information gathering, risk analysis, risk assessment, final report,
and followup of action plans
• Managed the risk assessment of the OTC Credit Derivatives department of a major Investment Bank. Provided
recommendations in the areas of derivatives settlement/clearing, mortgageback securities, transaction
processing, account reconciliations, trade processing, collateral and margin, system authorization and system
• Analyzed the Asset Management, Stock Lending and Financial Products functions for a major investment bank
including valuation policy, asset allocation and pricing decisions. Evaluated Valuation Group existing processes,
controls, risks, policies and procedures relevant to pricing of derivatives and proposed recommendations for
• Supervised staff and projects. Developed backoffice procedures for a brokerdealer. Documented business
• Provide evaluation of systems, processes, and reports to increase efficiency, data quality and report presentation,
including identification and resolution of data issues.
• Performed expenditure, gap and fraud analysis to assist clients assess management decisionmaking.
Bear Stearns, New York, NY Consultant, Internal Audit & Compliance
Assisted in the implementation, documentation and testing of the requirements and regulations of SarbanesOxley.
Identified, designed, and tested internal controls and made recommendations for risk control improvement.
Carmenza M. Page
HighQuest Partners, New York, NY Consultant, Risk Strategy
Assisted clients to establish and manage various risk control initiatives across their Latin American operations.
Worked with Latin American companies to create consistent processes and manage operational and country risk
controls globally.
Delta Bank, New York, NY Consultant, Investment System Conversion –
Assisted in the installation of the EagleStar and EaglePace Investment systems to ensure it was consistent with bank’s
reporting system. Managed system integration, software project quality, testing, QA, configuration, and compliance., New York, NY Consultant, Strategic Planning
Worked with management to plan and evaluate market trends evaluating the potential for company growth.
Manager, Data/Risk Management
• Identified and analyzed risk and strategic issues for all levels of Management across functional/business units.
Managed compliance with credit related risk data. Developed master project plans by working with business
units and vendors.
• Selected and implemented a $ million Oracle relational database UNIX system improving data quality, cycle
time and costs. Managed projects’ full lifecycle. Won Excellence award for these efforts.
• Participated in several companywide reengineering efforts that resulted in company savings in terms of human
and cost resources. Achieved an Award for these efforts.
• Managed $ million marketing budget. Defined project goals, selected outstanding user requests, determined
justification for the project and prepared and managed budget and contracts.
• Identified process improvement opportunities and worked with Management to redesign and improve internal
Credit Risk Manager, Bankcards/Credit Risk
Established risk parameters and control measures for underwriting credit while ensuring compliance with corporate,
bankcard and regulatory standards. Assessed portfolios’ risk and ran analysis to shape portfolio strategy by product,
channel and segment. Developed risk strategies for the USA and Latin American markets.
• Underwrote line of credit, credit requests and amendments for existing customer base including preparation of
credit memorandums in conformity with policies. Wrote credit policy for existing and new products. Conducted
stress testing and competitive studies. Reviewed policies and procedures ensuring that proper internal controls
were in place.
• Worked with senior management in the CitiSmith Barney merger to strategically plan and integrate risk criteria.
• Developed historical and projected financial modeling and analysis. Wrote SAS programs and analyzed results.
• Created a MIS management reporting system accelerating decisions on pricing, promotion and segmentation of
• Successfully implemented numerous processes reengineering projects and managed vendors’ relations.
A. C. NIELSEN, New York, NY
Senior Business Analyst,
Provided market research, feasibility studies, competitive research and strategy planning solutions for marketing,
pricing and promotion decisions for clients. Created gap, sales and competitive analysis for clients using regression
analysis and SAS.
M.B.A. Finance Pace University, New York, NY
B.A. Political Science/Computer Science Hunter College, New York, NY J.C. Goodman Foundation Fellowship.
Fluent in Spanish; Knowledge of Italian
ISDA Fundamentals of Equity Derivatives International Swaps and Derivatives Association
SarbanesOxley Traini

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