Senior Payments IT Business Analyst (AI & Data Focus), VP

MUFG•Jersey City, NJ

4d•$145,000 - $188,000•Hybrid

About The Position

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.

Requirements

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
Bachelor's degree in Computer Science or a closely-related discipline, or an equivalent combination of formal education and experience

Nice To Haves

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
Experience with: Blockchain / digital assets / tokenized payments
Smart contract data flows and on-chain analytics
Exposure to agentic AI / autonomous workflows for operations optimization

Responsibilities

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
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, and 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)
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
Interface with: Business (Treasury, Operations), Technology (Engineering, Architecture, Data teams), Risk & Compliance
Lead workshops translating business problems into technology + AI-enabled solutions
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
Ensure solutions meet: AML / Sanctions screening requirements, Regulatory reporting standards
Incorporate controls within AI-driven processes (model transparency, audit trails)