Business Data Analyst III

Business Data Analyst III – Regulatory Reporting

The Business Data Analyst III – Regulatory Reporting plays a key role in supporting CCAR Y‑14M/Q reporting processes. This role is responsible for ensuring the accuracy, integrity, and timeliness of regulatory submissions through end-to-end ownership of schedule production within a complex, multi-source data environment. In addition to strong analytical capabilities, this role emphasizes proactive stakeholder engagement and collaborative problem-solving. The analyst partners closely with Business Units, Risk, Finance, Technology, and Data Governance teams to manage data sourcing, support system conversions, and address regulatory change initiatives. Success in this role requires the ability to actively engage stakeholders, facilitate working sessions, and communicate complex data issues clearly to drive alignment and timely resolution. The analyst identifies and remediates data quality issues, performs root cause analysis, and drives process improvements and automation. Operating within a strong risk and control framework, the role ensures data lineage, transparency, and audit readiness across reporting processes, while maintaining alignment with regulatory guidance and supervisory expectations.

This position requires a balance of technical expertise and interpersonal effectiveness—someone who is comfortable analyzing large datasets while also leading discussions, walking stakeholders through issues in real time, and influencing outcomes through clear, confident communication. The ideal candidate has experience in regulatory reporting and a strong understanding of mortgage, consumer, and credit card portfolios, along with a proactive, collaborative approach to delivering reliable data and insights that support business and regulatory decision-making.

Areas of focus:

• CCAR Y14 M&Q Reporting: Prepare and submit CCAR Y14 M/Q reports in accordance with regulatory guidelines.
• Data Analysis: Conduct thorough data analysis to identify trends, anomalies, and potential issues in the financial data.
• Documentation: Create and maintain comprehensive documentation of the CCAR Y14 M&Q reporting process
• Collaboration: Work closely with cross-functional teams, including business units, risk, finance, technology, and governance teams, internal and external auditors and exam groups including bank regulators and internal audit.
• Regulatory Compliance: Stay current with regulatory changes and updates related to CCAR reporting requirements and ensure the organization's adherence to these regulations.
• Process Improvement: Identify and implement opportunities to automate, increase efficiency, and improve controls with software and process enhancements.

Essential duties and responsibilities

• Develop strong expertise in CCAR processes and FR Y‑14 reporting, ensuring compliance and clearly communicating regulatory impacts to stakeholders.
• Use SAS/SQL for data research, extraction, and analysis, supporting deep dives into large datasets to identify trends, anomalies, and root causes of data issues.
• Collaborate with Business, Risk, Technology, and Data teams to support data sourcing, system enhancements, and issue resolution through working sessions and analysis.
• Maintain comprehensive documentation of data mappings, business rules, and requirements to ensure transparency and audit readiness.
• Track and manage code changes, data issues, and control findings through governance processes, proactively driving resolution with stakeholders.
• Apply analytical techniques using SAS/SQL queries and datasets to evaluate complex data challenges and clearly articulate risks and solutions.
• Analyze and validate data across multiple systems, leveraging query-based investigation (SAS/SQL) to identify discrepancies, perform root cause analysis, and prevent recurrence.
• Lead smaller initiatives and contribute to broader regulatory efforts, aligning stakeholders and managing timelines, risks, and deliverables.
• Execute reconciliations between Y‑14 outputs and Y‑9C, partnering with Finance to investigate variances through detailed data analysis.
• Prepare and present Executive Review materials, highlighting key insights, risks, and actions.
• Develop and implement Code Change Requests (CCRs), performing impact analysis and partnering with Development team to enhance data processes.
• Interpret regulatory requirements with Accounting Policy and business partners, translating guidance into actionable reporting solutions.
• Support development of data quality rules and edit checks, validating logic through data profiling and testing using SAS/SQL.
• Ensure end-to-end data lineage and traceability, documenting and explaining data flows for audit and regulatory purposes.
• Manage data issues and remediation efforts, using data-driven investigation techniques to drive accountability and timely resolution.
• Support regulatory production cycles, ensuring accurate, complete, and timely submissions.

Required qualifications:

• Bachelor's degree and 5+ years of related experience or an equivalent combination of education and experience.
• Deep specialized and/or broad knowledge within a professional discipline.
• Sound and comprehensive understanding of business and organizational strategies and processes.
• Ability to interpret internal and external business challenges and implement best practices to improve products, processes, or services.
• Ability to lead projects of significant complexity and risk exposure.
• Ability to exercise judgment in solving technical, operational, and organizational challenges in the context of business objectives and priorities.
• Sophisticated analytical skills and the ability to solve complex technical and business problems.
• Ability to influence others to adopt a new perspective (new automation, new metrics, new tools etc.)
• Focus on process automation to improve efficiency.
• Knowledge of the industry's competitive landscape and an understanding of the market and regulatory factors that shape the industry.

Preferred qualifications:

• Master's degree or MBA and 10 years of related experience.
• Previous experience in the banking industry.