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.
Job Summary
We are seeking a highly skilled Senior Business Analyst to join our Transaction Banking Technology organization. You will be the bridge between business stakeholders, product management, and technology teams, helping to define, design, and deliver solutions that enable our global transaction banking products and payment services. You will drive requirements gathering, process analyses, and ensure successful implementation of payments systems, digital channels, reconciliation, compliance/regulatory, and other mission-critical capabilities.
Major Responsibilities
Lead requirement gathering, including engaging with stakeholders (business lines, operations, risk, compliance, security) to define and document business needs, workflows, use cases, user stories, acceptance criteria.
Deeply understand transaction banking product functions: payments (domestic / cross-border), cash management, liquidity management, collections/disbursements, reconciliation, fraud prevention.
Analyze existing business processes; identify inefficiencies or gaps; propose improvements.
Collaborate with solution architects, system architects, and engineering teams to design scalable, robust, secure systems. Ensure that business requirements are translated into functional and non-functional specifications (security, scalability, SLAs, performance).
Participate in vendor/product evaluations and implementations.
Support regulatory/compliance requirements impacting payments and transaction banking (e.g. sanctions screening, KYC, AML, data privacy, PSD2 / Open Banking / ISO20022, OFAC, etc. as relevant).
Ensure quality through reviewing test plans, participating in SIT / UAT, and validating that functionality meets business needs.
Act as a liaison between business stakeholders, product owners, and delivery teams to ensure alignment, manage priorities, scope, changes, and risks.
Maintain detailed documentation: process flows, business rules, user journeys, data models, policies/controls.
Required Qualifications
Bachelor's degree in Business, Finance, Information Systems, Computer Science, or related field. (Advanced degree preferred.)
7+ years of business analyst / systems analysis experience, with at least 3-5 years in transaction banking, payments, cash management, or related financial services domain.
Strong knowledge of payments networks, standards and protocols (e.g. SWIFT, ACH, ISO20022), and experience with cross-border payments.
Solid understanding of regulatory, compliance, risk, and security considerations in payments and banking operations.
Experience mapping complex processes / workflows; strong analytical skills; ability to handle data, define data requirements, create data flow diagrams and logical process maps.
Skilled in eliciting requirements, writing clear user stories / acceptance criteria, functional requirements documents.
Experience with digital channels (mobile/web), APIs, real-time payments, reconciliation systems.
Strong communication skills: able to interact with senior leadership, translate technical concepts to business stakeholders and vice versa.
Proficiency in tools like Jira / Confluence, BPM / process mapping tools (e.g. Visio), requirement management tool sets.
Preferred Qualifications
Experience in implementing or working with payments transformations (e.g., migration to ISO20022, real-time payments roll-outs).
Familiarity with cloud-based architectures, microservices, API-first designs.
Data analysis skills: SQL or ability to understand data flows, data schemas, reporting requirements.
Experience working in Agile / Scrum environments.
The typical base pay range for this role is between $129K - $161K 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.
MUFG Benefits Summary (https://careers.mufgamericas.com/sites/default/files/document/2023-01/mb-live-well-work-well.pdf)
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.
At MUFG, our colleagues are our greatest assets. Our Culture Principles provide a roadmap for how each of our colleagues must think and act to become more client-obsessed, inclusive and innovative. They reflect who we are, who we want to be and what we expect from one another. We are excited to see you take the next step in exploring a career with us and encourage you to spend more time reviewing them!
Our Culture Principles
Client Centric
People Focused
Listen Up. Speak Up.
Innovate & Simplify
Own & Execute
