Blockchain & AI Software Lead Engineer (Payments), Vice President

MUFG•Jersey City, NJ

1d•$140,000 - $205,000•Hybrid

About The Position

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. We are seeking a Blockchain & AI Software Engineer to design and build next‑generation payments and treasury platforms leveraging distributed ledger technology (DLT) and artificial intelligence. This role will focus on modernizing payment rails, liquidity management, settlement, reconciliation, and risk intelligence through secure, scalable, and compliant digital solutions. The ideal candidate combines strong software engineering fundamentals with hands‑on experience in blockchain systems and AI/ML, and understands the control, resiliency, and regulatory expectations of enterprise payments and treasury environments.

Requirements

Strong experience in software engineering (Java, Python, Go, or similar).
Hands‑on experience with blockchain platforms, smart contracts, or distributed systems.
Experience with cloud platforms (AWS, Azure, or GCP).
Strong understanding of APIs, event‑driven architectures, and microservices.
Experience with SQL and NoSQL databases and data pipelines.
Solid grounding in data structures, algorithms, and system design.
Experience with CI/CD pipelines, automated testing, and DevSecOps practices.
Ability to troubleshoot high‑throughput, low‑latency systems.

Nice To Haves

Experience in payments, treasury, or financial services platforms.
Exposure to tokenized deposits, stablecoins, CBDCs, or digital settlement models.
Knowledge of liquidity management, intraday funding, and reconciliation processes.
Familiarity with MLOps and AI governance frameworks.
Understanding of regulatory expectations for payments and AI in banking.
Experience working with global, cross‑functional teams.
Strong analytical and problem‑solving skills.
Comfortable operating in complex, evolving technology landscapes.
Clear communicator who can bridge technology, treasury, and business stakeholders.
Strong sense of ownership, accountability, and control‑first thinking.
Passion for innovation in payments and treasury modernization.

Responsibilities

Design and develop platforms supporting real‑time payments, cross‑border payments, settlement, and treasury flows.
Implement blockchain‑based solutions for tokenized deposits, stablecoins, and on‑chain settlement, liquidity management and intraday funding optimization, and reconciliation, confirmations, and auditability.
Integrate blockchain components with core banking systems, payment engines, and treasury platforms.
Support interoperability across traditional payment rails (ACH, RTP, wires) and digital asset rails.
Build and maintain solutions across public, private, and permissioned blockchains (e.g., Ethereum, Hyperledger Fabric, Quorum).
Develop and deploy smart contracts for payments, settlement logic, and asset movement using Solidity, Go, Rust, or equivalent.
Design on‑chain/off‑chain architectures ensuring scalability, resiliency, and regulatory alignment.
Implement secure key management, transaction signing, and access controls.
Apply AI‑driven insights to improve predictability, control, and decision‑making in treasury operations.
Build cloud‑native, microservices‑based platforms using modern engineering practices.
Ensure solutions meet enterprise‑grade standards for performance, resilience, observability, and scalability.
Collaborate with architecture, treasury, payments, risk, and compliance teams to translate business requirements into technical designs.
Contribute to design reviews, code reviews, and platform governance.
Design solutions with security‑by‑design principles, including encryption, identity, access management, and audit trails.
Ensure alignment with regulatory and control frameworks (e.g., KYC/AML, data privacy, operational resilience).
Partner with risk, legal, and compliance stakeholders to support regulatory readiness.