Bhandari A

Sr Business Analyst
bhandari.a.r.0@gmail.com
2522219484

Professional Summary

o Qualified professional with 8+ years of extensive experience in the field of Business Analyst working with the
technical staff to implement management and staff's business requirements into the software application of
Property and Casualty insurance and strong knowledge of life insurance and Annuities.
o Comprehensive experience with the PolicyCenter, BillingCenter and ClaimCenter for Guidewire Suite and
configuration of user stories.
o Experience in working with the lead in Business Testing for multi-year, multi-phased strategic IT transformation
projects implementations using Guidewire Suite applications (PolicyCenter, ClaimCenter, BillingCenter, Portals
and Datahub/Info Center/Reports).
o Experience in Commercial Lines and Personal Lines Insurance, Underwriting, Rating and Guidewire experience
with national carriers.
o A highly skilled Senior Business Analyst of multi - disciplined business analysis expertise encompassing Life
Insurance/Annuity business application development and maintenance.
o Experience with the ACORD standard Life, Annuity & Health data model and data collection requirements,
form models and archival stipulations.
o Experience in Property & Casualty, Life Insurance, Annuities, pension- and retirement-related investments,
Mutual Funds, Group Insurance, Retirement Services, Investment Management.
o Good Knowledge with project experience in various LOB's such as Personal (Auto, Dwelling, Home owner) and
Commercial (Commercial Auto, Workers Compensation, Commercial Property, General Liability, Business
Owners Policy (BOP), Commercial Package Policy (CPP).
o Extensive experience working on Data warehouse, Data Marts and OLAP cubes.
o Strong knowledge of Property and Casualty terminology and extensive experience working on Insurance projects.
o Experience in validating Rating Algorithms for Schedule Rating, Experience Rating and Retrospective Rating
using Guidewire Rating Management components.
o Extensive knowledge of Salesforce.com implementation cycle in Sales, Marketing, Service and support modules.
o Experience working on ClaimCenter Integrations (Acuity, External Accounting System, Contact Manager).
o Extensive experience on Integration- Data Mapping work from Guidewire PolicyCenter to various external
systems like Enterprise Service Bus, Insbridge, Rating Engine, Product Model, OnBase, xPression.
o Experienced in working on SQL query skills (Oracle and TSQL) in analyzing and validating SSIS ETL database
data warehouse processes.
o Good knowledge of testing Web Services /XML / SOAP and REST full services using Soap UI tool.
o Experience working in Agile Environment including writing and executing Test Cases for Web and Client/Server
applications.
o Excellent knowledge in Life Insurance, Whole life, Term Insurance, Annuities, Universal Life, Claims,
Processing of accident Insurance Claims for Auto loans.
o Strong knowledge on Tool evaluation/assessment, roadmap, requirements, user stories, functional design,
documentation, solution design, Communication Plan, coordination of POC, and vendor management for the
build, QA, UAT and Traceability.
o Extensive experience in conducting Data Analyses, Data Mapping, Data Profiling, Gap Analysis.
o Hands on experience of Data manipulation, performance testing on My SQL and MS Access using SQL scripts.
 o Experience in doing the smoke test for PolicyCenter, BillingCenter, ClaimCenter and Contact Manger
o Strong experience in conducting User Acceptance Testing (UAT) and documentation of Test Cases. Expertise in
designing and developing Test Plans and Test Scripts.
o Comprehensive experience in business analysis, operations management and development, design, documentation
and testing.

Work Experience
Donegal Insurance Group, Marietta, PA Feb 2020 to Present
Sr Business Analyst

The project is to replace legacy mainframe system with Guidewire PolicyCenter for efficient and STP (Straight Through
Processing) of commercial line of P&C (Property & Casualty) insurance. Project included migration of existing policies
and building the future flows using GW-PC Submission Wizard, Underwriting (Risk Analysis), Forms Management,
Product Model, Document Generation, Rating engine and various integrations. Worked on integration of Sales Cloud with
external information systems using REST and SOAP API web services.

o Primary responsibility includes writing business rules and creating system requirements by setting up meetings
with project managers, architects, developers, testers, business, designers, legal, and other stakeholders. It also
includes creating and updating user stories.
o Implemented Guidewire PolicyCenter through an Agile Scrum development model.
o Worked on coverages and exposures pertaining to dwelling, personal property, other structures, loss of use,
content, etc. relating to Homeowners Policy.
o Worked as Business Analyst for the project on Workers Compensation line of business to gather and document as
is flow and future business flow using Guidewire PolicyCenter.
o Conducted gap analysis and documenting pain points with legacy system.
o Responsible for elaborating Billing Center integration user stories such as Integration to Agency Management
system, Process commission payment via Enterprise Payment Services, Integration to commission management
center, BillingCenter to PolicyCenter custom integrations, etc.
o Gathered requirements for all automation workflows as per business requirements and translated in to salesforce
business terms.
o Participated in Designed and development of REST/HTTP APIs, including JSON data formats and API
versioning strategy session.
o Involved in the Creation of stored procedure, trigger on the database to provide/insert specific data from multiple
tables for Web API services.
o Created complex Life and Annuity Death Claim business process models that outlined the steps of a resolution
process of receiving a claim notification from Unclaimed Property Audit to the point of either locating and paying
proceeds to a beneficiary or escheating funds to the state.
o A highly skilled Senior Business Analyst of multi - disciplined business analysis expertise encompassing Life
Insurance/Annuity business application development and maintenance
o Provided data workflow, including legacy system profiling, mapping of data, documentation of business rule
validations, and reconciliation of historical claimsdata for an enterprise integration of Guidewire ClaimCenter.
o Developed Technical Design documents for Data Warehouse, Reinsurance Calculation and Actuarial Calculation
applications on SQL Server.
o Involved in managing and pioneer implementation of new output in correlation to new product and administration
system functionality for new global price and annuity initiatives.
o Managed the output requirement project for various life insurance products Whole, Term, Universal.
 o Worked with internal teams to develop a file of ACORD Forms used as the standards in all Property and Casualty
markets, for both Personal and Commercial Lines of Business. integration requirements.
o Worked on the ETL (Extract, Transform and Load) of data into a data warehouse/date mart and Business
Intelligence (BI) tools like Business Objects Modules (Reporter, Supervisor, Designer, and Web Intelligence).
o Worked on documenting product model using GW template and gather prequalification questions, coverages,
conditions, exclusions, modifiers, schedule rate factor.
o Involved in testing validity and integrity of the calculation engines for Deferred Annuities, Past Services Pension
adjustments.
o Conduct requirements elaboration sessions in salesforce CRM platform to review and validate business
requirements.
o Performed production support, identifying processing issues and assisting the business areas with outstanding
issues with group annuities, individual annuities, defined contributions and group pension policies.
o Worked on the integration of Business Process Automation with Pega Systems Smart BPM suite - Pega Rules
Process Commander (PRPC).
o Worked on Pega PMF (Project Management Framework) to maintain work status across projects.
o Gathered user requirement specifications from senior-level managers.
o Created ad-hoc reports using SQL and Excel VBA as requested by in-house users and the company's bank clients.
o Worked with Guidewire Prod support team to resolve the OOTB defects (Change Payment plan, Payment
method, Renewal Payment, Delinquencies).
o Involved in creating the Requirement Management Plan (RMP), Requirement templates.
o Created Job Aides, Training Manuals, Process flows during the stabilization sprints.
o Created Data Flow Diagrams and Process flow diagrams for various load components like FTP Load, SQL
Loader Load, ETL process and various other processes that required transformation.
o Worked with various teams to create 'As-is' and 'To-be' flows for identified critical data elements using MS Visio
and PowerPoint.
o Performed on the ETL mappings, analysis and documentation of OLAP reports requirements.
o Worked with developers to create XML schemas, WSDL's and define Web Service contracts.
o Created ad-hoc reports using SQL and Excel VBA as requested by in-house users and the company's bank
clients.
o Involved in Full life cycle of the project, and Daily Scrums as part of Agile Methodology.
o Performed user acceptance testing (UAT) to ensure reports operated effectively.

Met life, Durham, NC July 2018 – Jan 2020

Sr. Business Analyst

The goal of the project is to provide life insurance products, annuities, and mutual funds, and offers a variety of
investment products and services to individuals, businesses, and pension plans. The project involved creating a web-based
policy-issuing application for Commercial line of business (General liability, Property and Casualty, Boiler and
Machinery, Inland Marine) and the migration from the existing Dos into the Web environment. I worked on test the
claims on Personal lines of Home and Auto. I was working with Guidewire Policy Center module, Guidewire Claim
Center module and associated with Guidewire Billing Center module as well.

Responsibilities
o Liaise with the Subject matter experts to understand the Life (Term Life, Variable Universal Life, Individual Life) and
Annuity (Fixed, Variable, Immediate, Fixed Indexed, SPIA) products sold at Met Life.
o Worked closely with the SMEs from different divisions to gather data about the different Life and Annuity products
sold by Met Life
o Worked on a project, which dealt with the Production Stabilization and Defect Tracking of the newly migrated
Guidewire Billing Center.
o Documented Claims assignment details in Vision and business Requirement Documents (BRDs), Functional
Requirement Documents (FRDs) using Rational Requisite Pro and Power Designer.
o Elicited requirements for various Claims Integrations with Policy Center and Billing Center on activities like Policy
and Billing Status retrieval, Checks Issued and Void Processes for Claims etc.
o Worked closely with Billing center, Customer Portfolio, Forms team to test the integration between these services.
o Worked on Guidewire Policy Center for Policy creation and maintenance using different Policy Transactions for Auto
and Property (including Homeowners).
o Involved in the Creation of stored procedure, trigger on the database to provide/insert specific data from multiple
tables for Web API services.
o Created test plans, test scenarios, test cases for the Claims Center and the Billing center
o Analyzed defects on claims, did root cause analysis and delegated technical issues to development team
o Work closely with production underwriters to review commercial property insurance renewal and new business
opportunities to ensure proper risk identification, analysis and assessment and the development and growth of a
profitable portfolio of business.
o Participated in Designed and development of REST/HTTP APIs, including JSON data formats and API versioning
strategy session.
o Involved in testing the Quote & Purchase for both Auto and Home Property Insurance ratings of the customers.
o Responsible for the development of a Data Warehouse for personal lines property and casualty insurance.
o Worked on conducting User Acceptance Testing (UAT) and documenting test cases in both personal commercial line
of property and casualty insurance
o Prepared requirements document for Commercial Auto, Inland Marine, Crime, Worker’s Compensation, Umbrella,
Business Owners Policy, Commercial Output Policy, and Commercial Property Package.
o Collaborated with the development team to monitor and track progress of project following Agile methodology.
o Managed Quality Assurance activities for system interfaces including management of project and consultant staff
through the QA phase of the System Development Life Cycle (SDLC).
o Interacted with managers in Finance, Underwriting and Operations to gather requirements and create documentation
using agile methodology for each report.
o Created complex Life and Annuity Death Claim business process models that outlined the steps of a resolution
process of receiving a claim notification from Unclaimed Property Audit to the point of either locating and paying
proceeds to a beneficiary or escheating funds to the state.
o The Data Warehouse was created around the Accord Messaging Standard with extensions where necessary (Workers
Compensation, Commercial and Personal Lines Auto).
o Collaborated on a team to perform due diligence and conduct valuation analysis on vendors' systems to replace a
legacy system for annuity administration.
o Extract claims processing data from applicable systems and provide data to appropriate business partners for analysis
o Supported team members in relation to technical and design related issues with System Development Life Cycle
(SDLC). 
o Involved in creating Data Stage jobs to extract, transform and load data into data warehouses from various sources
like relational databases, application systems, temporary tables, flat files etc.
o Identify customer-marketing opportunities by applying data mining models and writing advanced T-SQL stored
procedures and queries.
o Effectively interacted with key stakeholders and business users to understand and analyze the business needs and data
to model the target business processes.
o Worked on User Story’s based on the discussions with SMEs for the customization of Guide wire Product for the
Policy Center application.

o Utilized equities, ETFs, mutual funds, annuities (fixed, indexed, variable), life insurance (term, whole life, variable
universal life), long term care, disability insurance and business overhead insurance, deferred comp and qualified
retirement plan to meet complete needs of client situations.

Michigan Farm Bureau Insurance, Lansing, MI Dec 2016 – June 2018

Business Analyst
The project was called "Guidewire Policy Administration System". The Hanover Company uses Guidewire Insurance
Suite application, which includes Policy Center, Billing Center and Claim Center. Policy center application was used to
implement business policies. The focus of the project is to create a new policy administration system focus on Annuities
& Payment Calculation for retirement benefits.

Responsibilities:
o Used Guide Wire to upgrade the current Claims system to track the claim of the policyholders and third party
applications.
o Worked on Commercial lines Property and Casualty Insurance including both policy and claim processing and
reinsurance.
o Worked on SQL the fields from an additional claims application from the vendor TOS, checking that the data against
the Claim Center for Guidewire are displayed correctly.
o Worked with other Analysts on integration requirements with Guidewire Claim Center and Billing Center.
o Worked on workflow analysis toward automated disability claims process. Detailed comparison of two competing
proposals, including HR interfaces. Facilitated requirements definition for new system. 
o Interacts with business stakeholders in Operations, Engineering, Actuarial, Claims, etc. to gather requirements and
create business requirements documentation (BRD's), charter and scope documents for new features and process
improvements.
o Analyzed the existing claims process and specific business rule logic will be applied in the ACP model. 
o Coordinated daily Meetings (Agile methodology), Project Planning, sprint planning, sprint review and sprint
retrospective
o Involved in mentoring specific projects in application of the new SDLC based on the Agile Unified Process,
especially from the project management, requirements and architecture perspectives.
o Actively participated in property and casualty insurance which involve PAS system scenario-based quote shell
creation, end to end system testing, letter binding, policy coverage's, policy ratings and data mapping comparison
from Duck Creek to shredding system
o Create and execute test cases manually; involve in executing automated test cases to verify Guidewire Policy center
and Billing center applications
o Conducted scenario analyses of the requirements to align with the business objectives for effective testing of reports.
o Used Quick Test Pro’s Data Table, to manipulate the data sets and create multiple test scenarios.
o Worked on analysis to evaluate the associated benefit, considering both qualitative and quantitative factors, as well as
the associated cost, risk and impact to business users, processes and systems.
o Involved in requirements traceability matrix in order to keep the clients and all the teams up-to-date with the current
progress of the project.
o Defined epics and user stories; created user story elaboration documents including defining business rules, user
interface, integration requirements, and user acceptance criteria. 
o Participated user acceptance testing cycle; worked with business users to define business scenarios, user acceptance
test cases and user acceptance criteria. 
o Worked closely with business partners, SMEs and product owners to understand the process. 

Hays Insurance, Washington, DC Apr 2015 – Nov 2016

Business Analyst
Responsibilities
o Prepared requirements document for Commercial Auto, Inland Marine, Crime, Worker's Compensation,
Umbrella, Business Owners Policy, Commercial Output Policy, and Commercial Property Package
o Analyzed and developed requirements for enhancements and defects related to the current Guidewire Policy
system.
o Involved in developing billing inquiry API to send the billing inquiry info, installment info and payment history
to the PolicyCenter.
o Involved in extensive customizations on Guidewire ClaimCenter – Financials (Reserves, Payments, Recovery,
Recovery Reserves, Cash Flow Management) Knowledge of Auto Claims Processing and Underwriting of
insurance products.
o Conducted JAD and JRP sessions with the Policy Supervisor, Sr. Policy Developers, agents, Actuarial, AMS
admin, Guidewire Consultants and Implementation Consultants for the Issue Policy, Quote Policy Change, Policy
Rating, Initiate Policy, Enter Policy Change, Policy Premium Change, Edit Policy Change use cases.
o Served as primary liaison and lead of business process model (BPMN) development for Payroll Management
application, collaborating with stakeholders and business analysis team.
o Successfully performed Requirements Gathering and Analysis, interviewed the SME (Subject Matter Experts),
both personal and commercial, and ensured that contributors and all key stakeholders were motivated to complete
assigned tasks.
o Worked as part of the Personal Lines Information Management Auto ARE team to resolve validation issues
supporting the business in the state rollout phase of the project implementing Ratabase as the rating engine.
o Worked along with lead in designing rating architecture that allows system to auto quote based on Underwriter
guide-line.
o Dexterously managed the requirements (Business as well as Functional requirements), performed requirements
analysis along with the creation of Use Case Scenarios. Modeling of the business and application using Rational
Unified Processing (RUP) and Unified Modeling Language (UML).
o Primarily responsible for Documentation in each phase of RUP Methodology, Risk Assessment, and Validation &
Verification process for capital asset and business owner insurance - commercial lines.
o Responsible for preparing Commercial Surety Rating Specifications.
o Developed Process Work Flows, Functional Specifications, and responsible for preparing Software Requirement
Specifications (SRS), Functional Specification Document (FSD).
o Worked with business stakeholders to gather and document as is flow and future business flow in Guidewire
PolicyCenter.
o Performed the requirements elicitation, analysis and impact analysis, and documented the functional, non-
functional, data and report requirements for Customer Registration, Quote, Rating and Premium Calculation, New
Business, Endorsements, Renewals, Miscellaneous Adjustments, Billing, Payments and Claims.
o Involved in migrating data from legacy system to Guidewire BillingCenter by using Guidewire data hub process.
o Performed Gap Analysis to identify the deficiencies of the current system and to identify the requirements for the
proposed system for Treaty and Facultative Reinsurance.
o Performed Defect Tracking and Change Control Procedures using Rational Clear Quest and Configuration
Management and Version Control using Rational Clear Case.
o Worked with Rating team to gather requirements for Rating Engine (rate books, rating table, rate parameters,
versioning, rating routine, rating worksheet, import and export of XML and correcting per specifications.
o Involved in every Sprint that covered Elaboration, Configuration and Testing of the Guidewire PolicyCenter
following AGILE approach.
o Worked constantly with the development team to make sure that they understood the user requirements for P&C
insurance and that the system developed met those requirements.
o Actively participated in developing test plans and test procedure templates and guidelines to be used by the
project team with detailed screen layouts with regards to various types of corporate actions.
o Worked as liaison between the business units, technology teams & support teams. Prioritized the Back Log in
JIRA, involved in Planning Sessions and maintained User Stories and Acceptance Criteria.
o Prepared detailed System level process flow models and diagrams outlining systems capabilities and processes
depicting relations with other external applications (Rating engine and Workflow).
o Responsible for acting as a liaison with operational and financial management, systems support and sales to
identify business opportunities. Developed a file of ACORD Forms used as the standards in all Property and
Casualty markets, for both Personal and Commercial Lines of Business. integration requirements with Guidewire
BillingCenter and ClaimCenter.
o Incessantly involved in the development of Test Plans, Test Cases and Expected Results, and coordinated the tests
with the QA team to verify implementation of new features and enhancements.
o Documented the change request document for all the monthly release relating to the rating team. Responsible for
conducting analysis for the change request, effort estimation and sign off on the change request.
The OHIO Casualty Insurance Company, OH Feb 2014 – Mar 2015
Business Analyst
Responsibilities
o Gathered requirements and created several documents from the responsible Stakeholders and SME's.
o Worked on the Billing Integration which included writing the business requirements for integrating the existing
Billing system with the new Policy Admin system.
o Worked on Configuration/Business process End to End user stories for PolicyCenter (Policy Administration
system) and BillingCenter (Account receivable and commission system).
o Worked on New Business, Policy change, Reinstatement, PC to CC integration, New Business DEC package,
Policy.
o Gathered business requirement for Property and Casualty related to Exposure Rating Model and completed on
time.
o Documents, Policy Hold and Suspense Payment in BillingCenter.
o Worked on several critical BillingCenter modules including but not limited to disbursements, payments,
commissions, trouble tickets, payment plans and billing plans. Designed Rating architecture that allows system to
auto quote based on Underwriter guide-line.
o Prepared BRD, FSD, FRD, Use Cases, Flow Charts, ROI Analysis, RCA, DMD, RA, and RTM.
o Conducted JAD sessions and one-on-one meetings with the Stakeholder's and SME's.
o Played a key role in claims transformation project using my knowledge of Guidewire ClaimCenter for business
process re-engineering, system requirement gathering and testing phases of this project.
o Assisted the Project Manager to create a Project Plan.
o Responsible for rating multi-line policies. Manual rated Property, Liability, Auto and Workers Compensation
policies. Conducted training classes for Auto and Workers compensation rating.
o Assisted the PM in establishing rules to allow permissible changes to be made to a claim without the assistance of
the IT team.
o Worked on integrating Guidewire PolicyCenter with Guidewire ClaimCenter Systems, Billing System and other
existing system supporting operations.
o Established rules for the Straight-through invoice processing on ClaimCenter. These rules guided in the automatic
paying of invoices.
o Assisted in creating scripted messages through the Claim Wizard to integrate with new rental car vendors,
roadside assistance and repair vendors.
o Working on requirements for Guidewire ClaimCenter Implementation and integration of PolicyCenter with
legacy systems, document output management systems and Rules & Rating Engine
o Performed GAP Analysis and Root Cause Analysis between the source database and destination database. Then
mitigated the issues from this Analysis.
o Participated in JAD for user interviews to gather requirements.
o Performed GAP Analysis for new functionality requirements and prioritized them based on the business needs
o Participated in writing Business Required Document (BRD) as well as write supporting document containing
essential business elements, detailed definition and description of the relationship between the actors.
o Helped in providing management with metrics, reports and schedules as necessary, mapping business processes
and documenting business flows.
o Assisted in producing and adjusting the Functional Specifications Document (FSD), Data Mapping Documents
and the Requirements Traceability Matrix (RTM).
o Confirmed database integrity using SQL queries.
o Participated in conducting data analysis with the Data analyst in defining data sources.
o Publish functional requirements, screen prototypes on portal for access by all project participants.
o Created screen designs in VISIO for each step of system including all what if scenarios.
o Used Test Director and Mercury Quality Center for updating the status of all the Test Cases & Test Scripts that
are executed during testing process.
o Worked extensively with the QA team for designing Test Plan and Test Cases for the User Acceptance Testing.