Senior Payments IT Business Analyst (AI & Data Focus), VP
MUFG· enterprise· Financial Services· Aug 18, 2026 · 2mo agoPosted 70 days ago
Jersey City, NJ
In office
Full-time
VP
$145K–$188K
10+ years exp
Before you apply
Ghost Signal:
Open 70 days.
Job description
Do you want your voice heard and your actions to count?
Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world’s leading financial groups. Across the globe, we’re 150,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.
With a vision to be the world’s most trusted financial group, it’s part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career.
Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.
The selected colleague will work at an MUFG office or client sites four days per week and work remotely one day. A member of our recruitment team will provide more details.
Role Summary:
We are seeking a Senior Payments IT Business Analyst with deep expertise in payments technology and data-driven transformation. This role will bridge business, technology, and data/AI capabilities, enabling intelligent decision-making across modern payment platforms.
The ideal candidate brings strong knowledge of payment systems architecture and hands-on experience leveraging AI/ML tools for analytics, reporting, and insights generation to drive efficiency, risk reduction, and enhanced client experience.
Key Responsibilities:
1. Payments Technology & Architecture
Act as a technology-facing Business Analyst supporting payment platforms across: ACH, Wire, SWIFT, RTP/FedNow, Cross-border payments
Understand and contribute to system architecture, APIs, event-driven flows, and data pipelines
Partner with architects and engineering teams to define scalable, resilient payment solutions
2. AI-Driven Analytics & Reporting
Leverage AI/ML tools and platforms to: Generate insights on payment trends, volumes, and anomalies
Automate operational and regulatory reporting
Improve reconciliation, exception handling, and productivity
Design intelligent dashboards and self-service reporting frameworks
Use tools such as: Python / SQL / Power BI / Tableau
AI copilots, LLM-based analytics, or enterprise AI platforms
Enable predictive analytics (e.g., failure prediction, liquidity forecasting, fraud signals)
3. Business & Data Analysis
Gather and document functional, technical, and data requirements
Define: Data mappings (ISO 20022, SWIFT MT/MX)
Transformation rules and schemas
Analyze end-to-end payment lifecycle and identify automation opportunities
4. Stakeholder Collaboration
Interface with: Business (Treasury, Operations)
Technology (Engineering, Architecture, Data teams)
Risk & Compliance
Lead workshops translating business problems into technology AI-enabled solutions
5. Testing & Implementation
Define and execute test strategies (SIT/UAT) with focus on: Payment message validation
Data accuracy and completeness
Validate AI/analytics outputs to ensure explainability and auditability
6. Risk, Control & Compliance
Ensure solutions meet: AML / Sanctions screening requirements
Regulatory reporting standards
Incorporate controls within AI-driven processes (model transparency, audit trails)
Required Qualifications
10 years of experience as IT Business Analyst in payments domain
Strong understanding of: Payments systems (ACH, Wire, SWIFT, RTP/FedNow)
Payment architectures (hubs, APIs, microservices)
Hands-on experience with: Data analysis tools (SQL, Excel, Python preferred)
Reporting tools (Power BI, Tableau, etc.)
Proven experience using AI/ML or advanced analytics for reporting or operational insights
Experience with Agile delivery models and JIRA/Confluence
Preferred Qualifications
ISO 20022 expertise (MT → MX migration, data enrichment)
Experience with payment platforms (Finastra GPP, EPP, FIS, etc.)
Exposure to: Cloud (AWS/Azure/GCP) and data platforms (Snowflake, Databricks)
Event-driven architecture (Kafka, messaging systems)
Familiarity with: GenAI tools (Copilots, LLM-based analytics assistants)
API-based Open Banking ecosystems
Key Competencies
Strong technology acumen business translation capability
Data-driven mindset with focus on automation and intelligence
Ability to simplify complex systems and present insights clearly
Proactive mindset in adopting AI for productivity and decision-making
Strategic Impact
Drive intelligent payments operations through AI-enabled insights
Improve: STP rates
Operational efficiency
Risk detection and compliance monitoring
Support next-gen payments architecture aligned to ISO 20022 and real-time ecosystems
Nice-to-Have (Future-Focused)
Experience with: Blockchain / digital assets / tokenized payments
Smart contract data flows and on-chain analytics
Exposure to agentic AI / autonomous workflows for operations optimization
Education:
•Bachelor s degree in Computer Science or a closely-related discipline, or an equivalent combination of formal education and experience
“ Visa sponsorship/support is based on business needs. We do not anticipate providing visa sponsorship/support for this position.”
The typical base pay range for this role is as follows:
New York / New Jersey: $145k - $188k
depending on job-related knowledge, skills, experience and location. This role may also be eligible for certain discretionary performance-based bonus and/or incentive compensation. Additionally, our Total Rewards program provides colleagues with a competitive benefits package (in accordance with the eligibility requirements and respective terms of each) that includes comprehensive health and wellness benefits, retirement plans, educational assistance and training programs, income replacement for qualified employees with disabilities, paid maternity and parental bonding leave, and paid vacation, sick days, and holidays. For more information on our Total Rewards package, please click the link below.
Our hybrid work schedule is four days on-site and work remotely one day per week.
MUFG Benefits Summary
We will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable state and local laws (including (i) the San Francisco Fair Chance Ordinance, (ii) the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance, (iii) the Los Angeles County Fair Chance Ordinance, and (iv) the California Fair Chance Act) to the extent that (a) an applicant is not subject to a statutory disqualification pursuant to Section 3(a)(39) of the Securities and Exchange Act of 1934 or Section 8a(2) or 8a(3) of the Commodity Exchange Act, and (b) they do not conflict with the background screening requirements of the Financial Industry Regulatory Authority (FINRA) and the National Futures Association (NFA). The major responsibilities listed above are the material job duties of this role for which the Company reasonably believes that criminal history may have a direct, adverse and negative relationship potentially resulting in the withdrawal of conditional offer of employment, if any.
The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities duties and skills required of personnel so classified.
We are proud to be an Equal Opportunity Employer and committed to leveraging the diverse backgrounds, perspectives and experience of our workforce to create opportunities for our colleagues and our business. We do not discriminate on the basis of race, color, national origin, religion, gender expression, gender identity, sex, age, ancestry, marital status, protected veteran and military status, disability, medical condition, sexual orientation, genetic information, or any other status of an individual or that individual’s associates or relatives that is protected under applicable federal, state, or local law.
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