Hi TheRealStig,
Thank you for your post. Here are a few thoughts, observations, and recommendations:
(1) Work Experience
The students at most top U.S. MBA programs have an average of five years of work experience. Some programs trend a little lower, with an average of four years. And the middle 80% range at many of these programs is 3 to 7 or 3 to 8 years at enrollment. So while it's great to think and plan ahead, you're quite early to the full-time MBA application party. The absolute earliest one might consider reasonably applying is two years removed from undergrad, such that they enroll with three years of experience. And even that can be quite difficult. You need time to build experience, gain responsibility, lead projects or teams, demonstrate impact, and maybe even earn a promotion or two.
[As you're likely aware, there are some "straight-from-undergrad" programs out there, but most are extremely competitive. If you really want an MBA right after undergrad, it's doable, but you'd likely want to look outside of the U.S. top 50. Given your low GPA, you might even consider a separate masters first, like in finance, to boost your grades.]
(2) GMAT and GPA
Your GMAT is solid, and that's nice to have under your belt. But if you work for a few years and feel like you might have a chance at a top program, you might strongly consider trying to improve your GMAT score. Your GPA is going to be a major hurdle for you, so boosting your GMAT score as much as possible will help mitigate. As I touched on above, you will want to do as much as you can to boost that low GPA. A better GMAT is one way. Taking additional, MBA relevant courses (or HBX) outside of your degree (and getting As) is another. And in your case, given what you've described, it seems that pursuing a direct-from-undergrad one-year masters (and getting a really high GPA) is still another.
(3) Wall Street
I know you mentioned an interest in Wall Street *after* graduate school, but it's worth noting that if you were to entertain trying to break into the industry after undergrad (perhaps to have a relevant track record that you can point to in your MBA applications), Wall Street also focuses pretty heavily on your undergraduate performance. It depends a little bit on the firm and division, but many won't recruit folks with GPAs below 3.5. (Some might go down to 3.0.) Either way, it points back to the need to boost your GPA.
(4) Extracurriculars
As you build your track record at work, really try to think about what extra initiative you can take and impact you can have inside your organization (but beyond your core job) AND outside of your organization (e.g., at an organization or for a cause that is meaningful to you). You will want to round out your application as best as you can.
Hope this helps. Best of luck!
Thanks,
Greg