Summary
Overview
Work History
Education
Skills
Languages Known
Timeline
Generic

Alfred Donald Charles

Singapore

Summary

Experienced Business Analyst with 10 years of experience in SG Government Projects, banking, and financial services. Specializes in digital customer onboarding for loan and CASA accounts, payments, core banking systems, and regulatory compliance. Proficient in requirement elicitation, stakeholder management, and process enhancement. Skilled in implementing enterprise solutions using Agile and Waterfall methodologies to drive successful outcomes.

Overview

15
15
years of professional experience

Work History

Business Analyst- Digital Banking

Tata Consultancy Services (TCS)
07.2018 - Current

SG Government Project:

  • Gathered Business and Technical requirements, facilitated workshop with Singapore Government customer in their application Migration from GDC to GCC.
  • Coordinated with Microsoft-certified solution architects and technical teams to ensure system design met strict government security and compliance standards.
  • Created as-is and to- be process flows, supported risk assessment, change management and GDC onboarding documents.
  • Supported Pre- Sales Solutioning and proposal design for tenders.

Banking Project: DIGI BANK (DBS)

  • Led the business analysis and documentation for Digi bank onboarding and Personal loan under DBS digibank platforms.
  • Collaborated with compliance and Technology teams to implement automated KYC verification, sanction screening risk rating models aligned with MAS and RBI Guidelines.
  • Interacted with product owners and business teams to capture functional and non-functional requirements.
  • Provide narrative walkthrough to the Scrum Master, development and testing team and Solution Engineers.
  • Created BRDs, FSDs, and use case diagrams; facilitated sprint planning and daily stand-ups (Agile).
  • Supported Successful regulatory audits by providing documentation and walkthrough of onboarding risk controls and escalation mechanisms
  • Conducted UAT planning, test case review, and supported defect triage.
  • Worked across modules including OCR, Document Upload, Biometrics, FRO, SingPass Integrations, Funds Transfer, Payment Gateways (SWIFT/FAST/PayNow), and Merchant Transactions.
  • Delivered business analysis and documentation for digital onboarding journeys and personal loan modules on the DBS Digi bank platform, focusing on seamless customer experiences and compliance adherence.
  • Led analysis and implementations of ISO 20022 messaging standards for both SWIFT and real-time payments rails.
  • Participate in Customer journey walkthrough with business as part of requirement gathering ceremony when a change or new feature is conceptualized.
  • Conducting UAT Test, Debugging the error/requirement gathering
  • Support development team as well as QA and testing teams as subject matter experts (SME in all areas of Banking Domain, Payments, On-boarding, lending).
  • Created and updated Kanban cards for user stories, test cases and UAT defects.
  • Tools used: JIRA, Confluence, Digi App MS Visio, Excel, SQL.

Analyst

Automatic Data Processing Pvt Ltd
03.2015 - 07.2018
  • Assisted in delivering a data transformation project, aligning with GDPR and internal compliance policies.
  • Supported senior BAs in requirement analysis, stakeholder workshops, and change request management.
  • Participated in test planning, coordination with QA teams, and root cause analysis.
  • Helped streamline BAU operations with dashboard reporting.
  • Working on detailed test execution including Smoke, Functional and Regression.
  • Post walkthrough with Testing teams, actively Review Jbehaves written by testing teams in JIRA for scenario coverage and arrange walkthrough with automation team and BA for scripting readiness and gap identification.

Senior Analyst

Accenture
06.2014 - 03.2015
  • Technical Support for YouTube paid customers and Google Wallet
  • Escalate complex issues to L2
  • Follow Internal Scripts, tools, knowledge base for troubleshooting.
  • Log Cases and Tag accurately in the CRM system.

Research Analyst

Knoah Solutions
12.2011 - 05.2014
  • Collected and verified macroeconomic indicators and financial data.
  • Automated data collection through Excel macros, reducing manual effort by 30%.
  • Contributed to internal dashboards used by global clients.

Process Associate

GE Money Bank
04.2010 - 04.2011
  • Validated customer data and credit card application documents.
  • Ensured adherence to AML and KYC regulatory standards
  • Ensured Compliance with HIPAA data protection Standards.
  • Managed multiple tasks simultaneously, ensuring timely completion of all assignments.
  • Identified and resolved process issues to drive optimal workflow and business growth.

Education

Executive Program for Young Managers - Finance

Indian Institute of Management Calcutta
Kolkatta
05.2017

Bachelor of Science - Computer Science

Dr Babasaheb Ambedkar Marathwada University
Aurangabad
07.2014

Skills

  • Business Requirements Gathering & Documentation
  • Functional Specification & Use Case Development
  • KYC/AML Digital Banking, Loan Onboarding, Compliance Risk Payments (SWIFT, UPI, FAST, PayNow, Remittance, GIRO)
  • Stakeholder & Vendor Management
  • Agile, Scrum, Waterfall Methodologies
  • Gap Analysis, UAT Planning & Execution
  • Tools: JIRA, Confluence, Visio, SQL, Tableau
  • Product: SingPass, Digi App, Finacle Fircosoft, Avloq, Finacle, Chatobots, Reg Tech Solution
  • Tools: JIRA, MS Visio and Confluence Tools
  • Testing Specialties: Functional and Manual Testing
  • Database: Maria DB and Oracle DB

Languages Known

English
Tamil
Hindi
Marathi
Telugu

Timeline

Business Analyst- Digital Banking

Tata Consultancy Services (TCS)
07.2018 - Current

Analyst

Automatic Data Processing Pvt Ltd
03.2015 - 07.2018

Senior Analyst

Accenture
06.2014 - 03.2015

Research Analyst

Knoah Solutions
12.2011 - 05.2014

Process Associate

GE Money Bank
04.2010 - 04.2011

Executive Program for Young Managers - Finance

Indian Institute of Management Calcutta

Bachelor of Science - Computer Science

Dr Babasaheb Ambedkar Marathwada University
Alfred Donald Charles