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MUFG Commercial Card Software Engineering, AVP in Jersey City, New Jersey

Do you want your voice heard and your actions to count?

Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), the 7th largest financial group in the world. 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.

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.

We are seeking an experienced and detail-oriented Assistant Vice President (AVP) with strong business analyst skills to join our team. As an AVP, you will play a critical role in analyzing business requirement and processes, identifying opportunities for improvement, and driving strategic initiatives. Your ability to translate business requirements into technical specifications and collaborate with cross-functional teams will be essential for success. As a key member of our organization, you will be responsible for designing, developing, and implementing cutting-edge software solutions that enhance our Commercial Card offerings. Your expertise in Commercial banking Products, Payment processing, Card products, and industry standards (such as TSYS , MasterCard , Bottomline , Fiserv , and SpendLabs ) will be critical in driving innovation and ensuring seamless customer experiences. This role will be reporting to head of MUFG Commercial Card technology.


Degree or equivalent work experience equally preferable.

• Bachelor’s degree in computer science or a close-related discipline


  • Bachelor’s in Computer Science, Software Engineering, or related field.

  • Minimum of 8 years of hands-on software development experience

  • Strong expertise in building and maintaining Commercial Card solutions, including payment processing, card issuance, and transaction management.

  • Solid understanding in Commercial banking Products

  • Experience with TSYS, MasterCard, Bottomline, Fiserv, and SpendLabs card products.

  • Proficiency of microservices architecture, APIs, and cloud technologies (AWS, Azure, or GCP).

  • Excellent problem-solving skills and ability to work in a fast-paced, dynamic environment.

  • Strong communication and collaboration skills.

  • Prior experience in financial services, banking, or fintech is a plus.

  • Application development experience on data platforms, leveraging structured query language (SQL), extract-transform-load (ETL) tools, and object-oriented languages (Java, Python, C#)

  • Experience managing teams in Agile environments.

  • General understanding of UI design principles and best practices

  • Experience creating end to end data pipelines as well as CI/CD pipelines for applications delivery


  • Collaborate with business stakeholders to gather and document requirements for technology projects.

  • Conduct thorough analysis of existing processes, workflows, and systems to identify pain points and areas for optimization.

  • Develop detailed business requirements, use cases, and functional specifications.

  • Work closely with IT teams to ensure successful implementation of solutions.

  • Participate in project planning, testing, and user acceptance activities.

  • Provide ongoing support to business users, troubleshoot issues, and propose enhancements.

  • Assist in data analysis, reporting, and performance measurement.

  • Stay informed about industry trends, best practices, and emerging technologies.

  • Collaborate with cross-functional teams, including product management, operations, and compliance, to define requirements and translate them into technical specifications.

  • Stay abreast of industry trends, emerging technologies, and best practices related to Commercial Card solutions.

  • Provide technical leadership, mentorship, and guidance to team members.

  • Ensure adherence to coding standards, quality assurance processes, and security protocols.

  • Collaborate with external partners, vendors, and industry stakeholders to drive innovation and enhance our product offerings.

  • Participate in architectural discussions, system design, and technology evaluations.

  • Design, develop, and maintain applications, infrastructure, and platform according to changing requirements and following established processes and procedures.

  • Facilitating in the integration of third party services, applications and functionalities to enhance web performance and increase e-business success.

  • Monitor, test, analyze, and evaluate application performance; resolve issues and/or recommend improvements.

  • Provide guidance and technical instruction to junior level engineers.

  • Conduct needs analyses and requirements assessments, assess technical viability of products/technologies, contribute to development of business cases, and consult and make recommendations on technical solutions to meet specific business requirements

  • Test, debug, and/or oversee the testing and validation of applications to ensure that quality and functionality are in line with the requirements, as well as industry standards and protocols.

  • Troubleshoot issues and problems, comes up with clear action plan(s) to resolve such issues, develops, tests and implements the agreed solution into production

The typical base pay range for this role is between $100K - $1200K depending on job-related knowledge, skills, experience and location. This role may also be eligible for certain discretionary performance-based bonus 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 (

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.

At MUFG, our colleagues are our greatest assets. Our Culture Principles provide a roadmap for how each of our colleagues must think and act to become more client-obsessed, inclusive and innovative. They reflect who we are, who we want to be and what we expect from one another. We are excited to see you take the next step in exploring a career with us and encourage you to spend more time reviewing them!

Our Culture Principles

  • Client Centric

  • People Focused

  • Listen Up. Speak Up.

  • Innovate & Simplify

  • Own & Execute