Bhavya Bhumi

Results-driven Senior Product Owner with 16+ years of experience delivering complex digital products across supplemental insurance, Medicaid healthcare, and custodian banking. Deep expertise in end-to-end enrollment platform delivery - from group and individual policy onboarding to virtual enrollment solutions, billing integration, and benefits administration. Proven track record generating $3.3M+ in annualized premium through innovative enrollment initiatives at Aflac.

Skilled at leading cross-functional Agile teams, managing API-driven integrations, AWS cloud deployments, and large-scale data migrations. Actively expanding capabilities in AI-powered product discovery, intelligent document processing, and automation to modernize enrollment and insurance workflows. Strong background in healthcare insurance platforms, enrollment and benefits administration, policy administration systems, Agile delivery, stakeholder collaboration, UAT/SIT coordination, and data-driven product decisions.

Certified Scrum Product

Owner (CSPO) with proven ability to bridge business objectives, customer needs, compliance requirements, and technology execution.

Senior Product Owner - Aflac - South Carolina

(2019-11)

Lead product ownership for Aflac's group and individual enrollment platforms, Policy Administration System, Billing, Claims, Commissions, and Finance — driving end-to-end delivery for AWS-hosted digital products serving hundreds of thousands of policyholders.

• Own and manage product backlogs for enterprise insurance technology solutions, ensuring alignment with business priorities, customer needs, compliance requirements, and delivery objectives.
• Define product vision and translate complex healthcare insurance business requirements into epics, features, user stories, acceptance criteria, and actionable development tasks.
• Serve as the primary product owner and decision-maker for backlog priorities, working closely with software engineers, QA teams, architects, business stakeholders, and delivery teams.
• Lead Agile ceremonies including backlog refinement, sprint planning, sprint reviews, demonstrations, and stakeholder discussions to ensure successful product delivery.
• Manage product enhancements supporting enrollment workflows, eligibility processes, benefits administration, policy servicing, reporting capabilities, and system integrations.
• Collaborate with business operations, compliance, finance, and technology teams to understand needs, resolve challenges, and deliver solutions that improve operational efficiency.
• Partner with QA teams to coordinate System Integration Testing (SIT), User Acceptance Testing (UAT), defect triage, validation activities, and production readiness.
• Analyze business processes and system behavior using SQL and reporting tools to investigate issues, validate requirements, and support data-driven product decisions.
• Prioritize enhancements based on business value, customer impact, regulatory requirements, technical feasibility, and operational needs.
• Drive continuous improvement by identifying process gaps, streamlining workflows, and delivering scalable solutions across enterprise platforms.
• Enrollment Platform Leadership: Owned the full product roadmap for Aflac's group and individual enrollment platforms — managing onboarding workflows, eligibility rules, plan selection, e-signature, and STP (Straight-Through Processing) for new business and renewals.
• Virtual Enrollment Innovation: Led an Agile initiative to build and launch a Virtual Enrollment Solution enabling remote broker-assisted and self-service enrollment, generating $3.3M in annualized premium and earning the Aflac Enrollment Platform Champion designation and Excellence Award.
• End-to-End Enrollment Delivery: Delivered enrollment features across the full lifecycle — new hire enrollment windows, qualifying life events (QLE), open enrollment periods, COBRA continuation, cancellations, and reinstatements — coordinating across billing, commissions, and policy admin systems.
• API & Integration Strategy: Directed API product requirements for enrollment service integrations with upstream HR platforms and downstream billing/claims systems; validated APIs using Postman and partnered with AWS DevOps on CI/CD deployment pipelines.
• Data Migration & Remediation: Led duplicate record cleanup from DR server deployments, CarMax data fixes, and plan termination batch atomicity workstreams — ensuring data integrity across enrollment and billing systems.
• Stakeholder & Team Management: Managed 5 Business Analysts and collaborated cross-functionally with UX designers, Scrum Masters, developers, and business partners across commissions, SLA, client management, and reporting teams.
• Backlog & Release Management: Owned product backlog prioritization, release roadmaps, UAT coordination, and production sign-off across multiple concurrent Agile sprints; led staging environment management for all AWS software releases.
• Automation & Quality: Led automation testing coverage with QA teams using QTest; promoted Lean disciplines to minimize waste and reduce time-to-market for enrollment features.
• AI Integration: Currently leveraging AI tools (ChatGPT, Claude, Microsoft Copilot) to accelerate user story drafting, acceptance criteria generation, and stakeholder communication — reducing documentation cycle time by an estimated 30%.

Senior Business Analyst - State of South Carolina - Medicaid (Healthy Connections) - Columbia, SC

(2016-03 - 2019-10)

Delivered BA leadership for South Carolina's statewide Medicaid program, supporting eligibility determination, enrollment intake, benefits administration, and case management across multiple policy tracks serving 1M+ beneficiaries.

• Enrollment Eligibility & Intake: Authored Business Requirements for Application Intake, Annual Reviews, Intelligent Evidence Gathering, COC (Change of Circumstance), and Notices tracks — defining enrollment rules aligned to federal and state Medicaid policy mandates.
• Enrollment Rules & Program Logic: Worked with developers and SMEs on interface design and program rules for Medicaid eligibility determination, income verification, and benefit assignment workflows.
• Requirements Traceability: Reviewed and managed RTM, FDS, and TDS documents to ensure 100% traceability from business enrollment policy through test execution in CIT, SIT, and UAT cycles.
• Defect & Change Management: Led defect triage meetings, managed Change Request process post-FDS approval, and tracked resolution in JIRA across all testing environments.
• GAP Analysis & Documentation: Conducted GAP analyses on existing enrollment requirements; produced clear BRDs, use cases, user manuals, and process documentation for non-technical stakeholders.

Senior Business Analyst / Financial Analyst - Northern Trust Financial Services

(2010-06 - 2015-08)

Served dual capacity as Senior BA and Financial Analyst supporting trading, portfolio management, and operations risk at a leading global custodian bank managing $10T+ in assets.

• Authored high-level and detailed BRDs and process flow documents for IBOR/ABOR platforms, fixed income, equities, derivatives, and alternative investment products.
• Conducted risk and control interviews with SMEs and Risk/Control officers; identified Internal Control Gaps across high-Risk Assessment Units (RAUs) and documented remediation plans.
• Performed client account performance audits using PACE, Eagle, and Management Reporting; delivered daily cash balances to front office and portfolio managers.
• Documented UAT guidelines for custodian clients; managed multi-geography teams of 20+ resources across onsite and offshore locations.
• Trained and coached analysts on corporate actions, trade processing, interest and principal payments, in-kind transfers, and fee calculations.

Financial Analyst - IBM

(2009-11 - 2010-05)

Client: BP Petroleum - Finance & SAP Accounts Payable Operations

• Validated SAP AP processes including T-codes, invoice tolerance levels, vendor master settings, and journal entries across all environments per SOX requirements.
• Prepared daily and monthly bank reconciliations; conducted month-end close, revenue/cost reviews, and expense budgeting activities.
• Delivered hands-on SAP training to end users covering AP process workflows and error rectification procedures.