2027 Operations Summer Analyst Program - Tempe, AZ

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.

Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world’s 10 largest financial institutions according to S&P Global. Across the globe, we’re 120,000 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. At MUFG, we strive to create an inclusive environment, where everyone’s perspective is valued.

Our Operations for the Americas (Ops) group play a major role in MUFG’s mission to become the world’s most trusted financial group. Nearly 1,000 colleagues are embedded in every business to support the bank's internal functions.

The Operations team is one of the most multifaceted groups within the organization, with variable teams working on an extensive array of projects and engagement for the Bank. As an Operations Summer Analyst, you could have the opportunity to reconcile business transactions, track cash flow, provide services for special commodities and supply chain finance deals , manage loans, or plan/execute/monitor initiatives and projects on a global basis.

Join an Operations team where opportunities and internships can turn into full time work in Commercial Loans, Trade Services, Payments, Enterprise Services, Transformation, Regulatory & Governance, or Global Project Solutions. Come learn with us and shape your future!

Please see our placements below to learn about some of the different groups you could be a part of this year.

• Valuable Work Experience: Our 10-week summer program provides rising seniors and first year graduate students with hands-on experience and on-the-job learning within a high-paced banking environment. Summer Analysts work on projects and team assignments to build skills and technical expertise in the financial arena. 
• Networking Opportunities : MUFG’s Summer Analysts come from a wide variety of schools and backgrounds and are encouraged to collaborate with colleagues and senior leaders firmwide. Summer Analysts can meet and get to know our senior management as they broaden their understanding of the bank and its Operations and Technology functions. 
• Engaging Summer Program : Summer Analysts participate in various summer program activities that offer professional development and business exposure. Our program also offers guided mentorship throughout the summer through an assigned program mentor.
• Explore Potential Roles and Functions : See first-hand what you thought you may want for a career is truly your passion. You’ll not just watch the work, you’ll participate. What a wonderful way to validate what you want to do for your next step. 

• GPA of 3.0 or above is preferred
• Must be graduating in Winter 2027 or Spring 2028 from an accredited college or university. Undergraduate students preferred 
• MUFG will not hire individuals for internships or entry-level positions whose work eligibility is based on their F-1 or other student visa status
• Must be authorized to work in the United States on a permanent basis and would not require visa sponsorship now, or in the future
• Eager to use computer skills and strong proficiency in Excel to research solutions to client problems through resolution
• Exposure to process design/improvement, and/or change management disciplines and experience driving/supporting change initiatives is preferred
• Strong analytical and research skills
• Detail orientated
• Strong verbal and written communications skills

• Tampa, FL
• Tempe, AZ

Summer Internship Roles may include, but are not limited to: 

• Commercial Loans: Member


• Commercial Loans: Agency


• Commercial Loans: Middle Office


• Enterprise Services: Internal Control Unit & Commercial Card Operations


• Enterprise Services: Productivity Enablers


• Payments: Data Analyst


• Transformation, Regulation and Governance


• Business Management

Summer Internship Roles include: 

• Commercial Loan Analyst: Member


• Individuals in the Corporate & Commercial Loan Reconciliation job function focus on accurate and timely reconciliation of commercial and corporate loans in the system of record. Responsibilities may include reconciling general ledger accounts; balancing bank-controlled demand deposit accounts (DDA); conducting monthly certification of general ledger balances in our system; of record monitoring and reporting on exceptions; and distributing exceptions to commercial loan processing teams.


• Commercial Loan Analyst: Agency


• Individuals in the Syndicated Loan Servicing focus on tracking and managing syndicated lending transactions, with the bank as serving as either an administrative agent managing information and cash flow between borrowers and lender banks or a lender in a syndicated transaction or a bilateral deal lending directly to a borrower. Responsibilities may include generating invoices, syndicate activity notifications, reconciling general ledgers; supporting the streamlining and automation of loan settlement and servicing; preparing, reviewing, and managing loan documentation; and processing and closing loans.


• Commercial Loan Analyst: Middle Office


• The Corporate Banking Middle Office Analyst is broadly responsible for coordinating complex syndicated and bi-lateral credit lines, and letter of credit transactions for the Corporate Bank’s lines of business. The Team works closely with the Relationship and Portfolio Managers, ensuring all required documents, reference data, and critical information are reviewed for operational feasibility, optimal execution mechanics, regulatory requirements and mitigation of operational risk. The team partners with various internal counterparties included but limited to Debt Capital Markets, Portfolio/Relationship Management, Loan and Agency Services, Finance, Legal and Trade Services.


• Enterprise Services: Internal Control Unit & Commercial Card Operations


• An internship within the Internal Control Unit offers a robust foundation of all of MUFG’s Operations as we provide oversight of all business lines. Through meaningful work assignments, mentorship, and exposure to the operational backbone of MUFG Bank, interns will gain valuable insights and skills that extend well beyond the duration of the program. You will gain exposure to the daily operations related to general ledger reconciliations, commercial card settlements and accounting, and key process improvement initiatives for both teams. This role combines analytical work, practical application of regulatory standards such as GAAP principles, and interaction with multiple departments, making it an ideal steppingstone for a career in finance, audit, compliance, or operations management.


• Enterprise Services Analyst: Productivity Enablers


• Working with the Productivity Enablers team will provide the intern with the opportunity to gain experience in process discovery, data-driven analysis, and workflow optimization. They will also be exposed to how to bridge productivity and connectivity by standardizing tools and processes, leveraging analytics, and enabling near real-time insights—all core to the mission of operational efficiency and effectiveness. The project would include Discovery & Learning: Gaining an understanding of how the team operates and how their tools are used to support analysis. Analysis: Evaluate the effectiveness of a specific operational process by working directly with an operations / production team—to identify gaps or inefficiencies, gain hands-on understanding and cross-functional exposure. Process Improvement Plan: Recommend actionable enhancements to the selected process and develop a project plan. Implementation : Collaborating with Prod Enablers/Service Cloud Support, Business Intelligence, IT, and Governance teams to implement workflow improvements aligned with the operations digitization efforts.


• Payment Analyst: Data Analyst


• Data analysis in Operations will identify trends and opportunities for improvement within the Payment Operations organization. They will assist with process flows and help streamline existing processes to be more effective. Our summer interns will help monitor deliverables and projects related to risk and bank initiatives. This opportunity will be a valuable experience for any student pursuing a career in the financial services industry.


• Transformation, Regulation and Governance


• This position will be divided ~50% between 2 key initiatives in the Governance department: Technical Writer and Governance Analyst. Acting as a Technical Writer, the intern is responsible for developing, revising, and maintaining procedure documentation. This position works with the business units and cross-functional teams to write clear and concise technical documentation that aligns with business practices, and conforms to all legal, regulatory and company standards. Acting as a Governance Analyst, they will work independently to solve data automation within the OGC report. This role will work with business intelligence and data analytics team and Governance subject matter experts to analyze, validate, interpret, and utilize data for consumption by business stakeholders to understand the business data needs and drive business process improvements.

A conviction is not an absolute bar to employment. Factors such as the age of the offense, evidence of rehabilitation, seriousness of violation, and job relatedness are considered in all employment decisions. Additionally, it's the bank's policy to only inquire into a candidate's criminal history after an offer has been made. Federal law prohibits banks from employing individuals who have been convicted of, or received a pretrial diversion for, certain offenses.

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.

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.