Senior Business Analyst – Transaction Banking Technology

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 an experienced Senior Business Analyst to join our Transaction Banking Technology organization. This senior individual contributor will work directly with Product Owners to assess, rationalize, clarify, and prioritize business requirements, then partner with technical system owners to translate them into feasible, scalable, and actionable technology solutions. This role spans payments, cash and liquidity management, digital channels, reconciliation, regulatory compliance, and related commercial banking capabilities. The Senior Business Analyst will also leverage AI-enabled tools to create mockups, process flows, and visual representations that enhance stakeholder understanding, alignment, and decision-making throughout the delivery lifecycle. Key Responsibilities: Develop a strong understanding of transaction banking capabilities, including:Domestic and cross-border payments Cash and liquidity management Collections and disbursements Reconciliation Fraud prevention Digital channels Commercial banking operations Partner with Product Owners to:Review, challenge, clarify, and prioritize business requirements Identify gaps, conflicts, duplication, and dependencies Collaborate with technical teams to develop effective technology solutions Lead requirements gathering and analysis activities, including:Stakeholder workshops Current-state assessments Business process documentation Data flow analysis Functional and non-functional requirements Use cases and business rules Evaluate processes, systems, controls, and data flows to identify opportunities for:Improved client experience Increased operational efficiency Enhanced resiliency Stronger controls Utilize AI-enabled tools to create:Mockups User journeys Process flows Solution concepts Visual artifacts for stakeholder alignment Work closely with Scrum Masters and Program Managers to convert requirements into:Agile user stories Acceptance criteria Clear Definitions of Done Maintain requirements traceability and support:Scope management Prioritization efforts Roadmap planning Change management throughout project delivery Assess regulatory, compliance, risk, and security impacts, including:KYC AML OFAC Data Privacy Open Banking ISO 20022 Sanctions screening Communicate risks, assumptions, issues, and dependencies to business and technology stakeholders. Support:Test planning System Integration Testing (SIT) User Acceptance Testing (UAT) Defect resolution Production readiness activities Post-implementation validation Required Qualification s: Bachelor's degree in Business, Finance, Information Systems, Computer Science, or a related field, or equivalent professional experience. 7+ years of business and systems analysis experience, including at least 3 years within:Transaction Banking Payments Cash Management Commercial Banking Related Financial Services domains Strong understanding of transaction banking and payments, including experience with:Payment networks and standards Domestic and international payments Cash and liquidity management Digital banking platforms Reconciliation processes Proven ability to lead complex requirements initiatives involving business and technology stakeholders. Experience with:Requirements elicitation Process mapping Data analysis Business rules documentation User stories Acceptance criteria Functional and non-functional specifications Experience using AI-enabled tools to:Refine and synthesize requirements Create process flows and mockups Develop visual artifacts while maintaining data protection and governance standards Experience working in Agile or hybrid delivery environments, including:User story development Sprint participation Acceptance criteria creation Testing and implementation support Strong understanding of banking-related:Regulatory requirements Compliance standards Risk management practices Security controls Excellent communication, facilitation, and stakeholder management skills with the ability to influence senior leaders and bridge business and technical teams. Proficiency with:Jira Confluence Visio Other requirements and process-modeling tools Preferred Qualifications: Experience supporting major transaction banking or payments transformations, such as:ISO 20022 migration Real-time payments initiatives Digital channel modernization Reconciliation transformation programs Experience with:Virtual Account Management ERP integrations via APIs Online and mobile banking platforms Experience with Loan IQ or similar commercial lending platforms, including:Loan servicing workflows Payment processing Accounting events System integrations Familiarity with:SWIFT ACH ISO 20022 APIs Event-driven integrations Cloud-based architectures Microservices API-first design principles Data analysis skills, including:SQL Data models Database schemas Interface specifications Reporting requirements End-to-end data flow analysis Advanced degree or professional certification