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.