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

Mitsubishi UFJ Financial Group•Jersey City, NJ

2d•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. The selected colleague will work at an MUFG office or client sites four days per week and work remotely one day.

Requirements

10+ years of experience as IT Business Analyst in payments domain
Strong understanding of: Payments systems (ACH, Wire, SWIFT, RTP/FedNow)
Strong understanding of: Payment architectures (hubs, APIs, microservices)
Hands-on experience with: Data analysis tools (SQL, Excel, Python preferred)
Hands-on experience with: 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)
Exposure to: Event-driven architecture (Kafka, messaging systems)
Familiarity with: GenAI tools (Copilots, LLM-based analytics assistants)
Familiarity with: API-based Open Banking ecosystems
Experience with: Blockchain / digital assets / tokenized payments
Experience with: 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
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)
Define: Transformation rules and schemas
Analyze end-to-end payment lifecycle and identify automation opportunities
Interface with: Business (Treasury, Operations)
Interface with: Technology (Engineering, Architecture, Data teams)
Interface with: 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
Define and execute test strategies (SIT/UAT) with focus on: Data accuracy and completeness
Validate AI/analytics outputs to ensure explainability and auditability
Ensure solutions meet: AML / Sanctions screening requirements
Ensure solutions meet: Regulatory reporting standards
Incorporate controls within AI-driven processes (model transparency, audit trails)