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

• Execute and support foreign currency wire payment processing activities, including SWIFT-based transactions for global clients
• Perform Prep, Process, Review, and Verification functions for incoming and outgoing wires across multiple branch locations
• Validate payment instructions, supporting documentation, and approvals to ensure completeness and accuracy prior to release
• Review and process FX contracts, vouchers, and related funding components
• Review, approve, and validate bank charges (lifting, BBK, repair) and ensure accurate recording and reconciliation
• Perform end-of-day proofing, ensuring all transactions, approvals, and system queues are completed and cleared
• Investigate and resolve processing exceptions, delays, and pending items
• Ensure adherence to regulatory requirements including OFAC, BSA guidelines, and internal controls
• Reconcile debit/credit postings and support monthly reconciliation processes
• Maintain strict compliance with information security and data protection standards
• Provide guidance, training, and operational support to offshore teams on remittance processing and charge handling
• Support procedure updates, process enhancements, and audit or regulatory review activities

WORK EXPERIENCE

• 3–5 years of experience in Money Transfer / Payments Operations
• Experience in foreign currency wire remittance processing for corporate and institutional clients
• Hands-on knowledge of SWIFT ISO formats including pacs.008, pacs.009, pacs.009 COV, and pain.001
• Experience handling incoming and outgoing cross-border wire payments and related processing workflows
• Experience reviewing and processing FX contracts, vouchers, and associated payment documentation
• Working knowledge of bank charges (lifting, BBK, repair) and reconciliation processes
• Understanding of regulatory requirements including OFAC and BSA-related controls
• Experience supporting offshore operations or distributed payment teams preferred
• Background in Financial Services / Banking Operations preferred

FUNCTIONAL SKILLS

• Strong understanding of foreign currency wire remittance operations, including:
o SWIFT ISO payment processing (pacs.008 / pacs.009 / cover payments)
o Incoming and outgoing cross-border wire flows
o FX contract processing and voucher validation

• Familiarity with:
o End-to-end wire processing lifecycle (Prep, Process, Review, Verification)
o Payment systems such as GPP, SAMH, OVS (or equivalent) would be a plus
o Bank charge handling (lifting charges, BBK, repairs)
o Reconciliations, debit/credit postings, and monthly charge invoice validation
o Exception handling, queue management, and pending item resolution
o OFAC and sanctions screening requirements, including Hot Scan processes
o Information Security Standards and Procedures (ISSP) and data handling controls

• Working knowledge of:
o SLA-driven payment processing and time-critical operations
o End-of-day proofing and operational reconciliation processes
o Documentation standards supporting audit and compliance requirements
o Offshore support models and cross-location process coordination

FOUNDATIONAL SKILLS

• Communicates clearly and effectively with operations, compliance, and offshore teams
• Demonstrates strong attention to detail and accuracy in transaction processing
• Applies sound judgment in high-volume, time-sensitive payment environments
• Maintains strict adherence to procedures, controls, and regulatory standards
• Strong multitasking and prioritization capability
• Demonstrates customer service orientation and responsiveness
• Supports process improvement and operational efficiency initiatives

EDUCATION

• High School Diploma or equivalent required
• Bachelor’s degree or equivalent combination of education and relevant work experience preferred
• Degree in Finance, Business, Accounting, or 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.