Payments Analyst

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.

RESPONSIBILITIES (USD Wire Operations-Aligned)

• Execute and support USD wire payment processing activities, including Fedwire and CHIPS transactions for corporate and institutional clients
• Perform wire input, validation, and repair for inbound and outbound USD wires, ensuring completeness, accuracy, and timeliness
• Review and process customer wire instructions, including standing instructions and payment amendments
• Investigate and resolve wire exceptions, rejects, recalls, and inquiries in coordination with internal teams and external counterparties
• Ensure all wire activity is processed in accordance with internal policies, procedures, and regulatory requirements, including BSA/AML and OFAC
• Identify, document, and escalate operational risks, control gaps, and processing errors in a timely manner
• Support sanctions screening and fraud monitoring alerts related to USD wire transactions
• Collect, validate, and retain customer documentation supporting wire payments and investigations
• Support claims and investigations processing related to wire transfers, including trace requests and return-of-funds scenarios
• Partner with technology, compliance, and risk teams on system changes, testing, and control validation impacting USD wire processing
• Contribute to daily, weekly, and ad-hoc reporting related to wire volumes, exceptions, and operational risk metrics
• Assist with audit and regulatory inquiries by providing evidence, explanations, and process documentation related to wire operations

WORK EXPERIENCE

• Demonstrated experience in USD wire operations and large-value payment processing for commercial and corporate clients
• Hands-on knowledge of Fedwire Funds, CHIPS, and SWIFT MT/MX payment flows, including inbound and outbound USD wires
• Experience reviewing and processing customer wire instructions, amendments, and payment investigations
• Working knowledge of bank documentation requirements supporting USD wires, including payment authorizations and standing instructions
• Practical understanding of U.S. payments regulatory requirements, including BSA/AML, OFAC, and internal control standards
• Background in Financial Services or Banking Operations preferred

FUNCTIONAL SKILLS

• Strong understanding of U.S. dollar wire payment operations, including:
  
  • Fedwire Funds Service
  • CHIPS settlement mechanics
  • SWIFT MT103/PACS.008 and MT202/PACS.009 (and awareness of ISO 20022 MX migration concepts)
• Familiarity with:
  
  • End-to-end front-to-back USD wire processing flows
  • Payment input, repair, release, and settlement lifecycle
  • Regulatory and control requirements applicable to USD wires
  • OFAC and sanctions screening for wire payments
  • Fraud risk identification and escalation in wire transactions
  • Exception handling, investigations, and claims related to wire activity
  • Reconciliations, daily balancing, and operational reporting
  • Risk management, audit support, and issue remediation activities
• Working knowledge of:
  
  • Payment cut-off times and time-critical processing
  • Internal systems supporting wire processing and investigations
  • Documentation retention and evidence standards for audits and compliance
  • End of Day Settlement with Fed/CHIPS

FOUNDATIONAL SKILLS

• Communicates clearly and effectively with operations, technology, compliance, risk, and client-facing teams
• Applies analytical thinking and sound judgment in time-sensitive payment processing scenarios
• Demonstrates attention to detail and strong risk awareness
• Exercises consistent adherence to procedures and internal controls
• Proactively identifies process gaps and improvement opportunities
• Adapts to regulatory, system, and volume changes within payment operations
• Uses technology and operational tools to drive accuracy and efficiency
• Acts with integrity and supports a strong control and compliance culture

EDUCATION

• Bachelor's degree or equivalent combination of education and relevant work experience
• Degree in Finance, Business, Accounting, or a related field preferred

The typical base pay range for this role is between $61K - $77K depending on job-related knowledge, skills, experience, and location. This role may also be eligible for certain discretionary performance-based bonuses 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.

MUFG Benefits Summary

We will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable state and local laws (including (i) the San Francisco Fair Chance Ordinance, (ii) the City of Los Angeles' Fair Chance Initiative for Hiring Ordinance, (iii) the Los Angeles County Fair Chance Ordinance, and (iv) the California Fair Chance Act) to the extent that (a) an applicant is not subject to a statutory disqualification pursuant to Section 3(a)(39) of the Securities and Exchange Act of 1934 or Section 8a(2) or 8a(3) of the Commodity Exchange Act, and (b) they do not conflict with the background screening requirements of the Financial Industry Regulatory Authority (FINRA) and the National Futures Association (NFA). The major responsibilities listed above are the material job duties of this role for which the Company reasonably believes that criminal history may have a direct, adverse and negative relationship potentially resulting in the withdrawal of conditional offer of employment, if any.

The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities duties and skills required of personnel so classified.

We are proud to be an Equal Opportunity Employer and committed to leveraging the diverse backgrounds, perspectives and experience of our workforce to create opportunities for our colleagues and our business. We do not discriminate on the basis of race, color, national origin, religion, gender expression, gender identity, sex, age, ancestry, marital status, protected veteran and military status, disability, medical condition, sexual orientation, genetic information, or any other status of an individual or that individual's associates or relatives that is protected under applicable federal, state, or local law.