Blockchain & AI Software Lead Engineer (Payments), Vice President

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.

Role Summary:

We are seeking a Blockchain & AI Software Engineer to design and build next-generation payments and treasury platforms leveraging distributed ledger technology (DLT) and artificial intelligence. This role will focus on modernizing payment rails, liquidity management, settlement, reconciliation, and risk intelligence through secure, scalable, and compliant digital solutions.

The ideal candidate combines strong software engineering fundamentals with hands-on experience in blockchain systems and AI/ML, and understands the control, resiliency, and regulatory expectations of enterprise payments and treasury environments.

Key Responsibilities:

Payments & Treasury Engineering

• Design and develop platforms supporting real-time payments, cross-border payments, settlement, and treasury flows.

• Implement blockchain-based solutions for:

  • Tokenized deposits, stablecoins, and on-chain settlement

  • Liquidity management and intraday funding optimization

  • Reconciliation, confirmations, and auditability

• Integrate blockchain components with core banking systems, payment engines, and treasury platforms.

• Support interoperability across traditional payment rails (ACH, RTP, wires) and digital asset rails.

Blockchain Engineering

• Build and maintain solutions across public, private, and permissioned blockchains (e.g., Ethereum, Hyperledger Fabric, Quorum).

• Develop and deploy smart contracts for payments, settlement logic, and asset movement using Solidity, Go, Rust, or equivalent.

• Design on-chain/off-chain architectures ensuring scalability, resiliency, and regulatory alignment.

• Implement secure key management, transaction signing, and access controls.

AI & Advanced Analytics

• Apply AI-driven insights to improve predictability, control, and decision-making in treasury operations.

Platform & Software Engineering

• Build cloud-native, microservices-based platforms using modern engineering practices.

• Ensure solutions meet enterprise-grade standards for performance, resilience, observability, and scalability.

• Collaborate with architecture, treasury, payments, risk, and compliance teams to translate business requirements into technical designs.

• Contribute to design reviews, code reviews, and platform governance.

Security, Risk & Compliance

• Design solutions with security-by-design principles, including encryption, identity, access management, and audit trails.

• Ensure alignment with regulatory and control frameworks (e.g., KYC/AML, data privacy, operational resilience).

• Partner with risk, legal, and compliance stakeholders to support regulatory readiness.

Required Qualifications:

Technical Skills

• Strong experience in software engineering (Java, Python, Go, or similar).

• Hands-on experience with blockchain platforms, smart contracts, or distributed systems.

• Experience with cloud platforms (AWS, Azure, or GCP).

• Strong understanding of APIs, event-driven architectures, and microservices.

• Experience with SQL and NoSQL databases and data pipelines.

Engineering Fundamentals

• Solid grounding in data structures, algorithms, and system design.

• Experience with CI/CD pipelines, automated testing, and DevSecOps practices.

• Ability to troubleshoot high-throughput, low-latency systems.

Preferred Qualifications:

• Experience in payments, treasury, or financial services platforms.

• Exposure to tokenized deposits, stablecoins, CBDCs, or digital settlement models.

• Knowledge of liquidity management, intraday funding, and reconciliation processes.

• Familiarity with MLOps and AI governance frameworks.

• Understanding of regulatory expectations for payments and AI in banking.

• Experience working with global, cross-functional teams.

Soft Skills & Mindset

• Strong analytical and problem-solving skills.

• Comfortable operating in complex, evolving technology landscapes.

• Clear communicator who can bridge technology, treasury, and business stakeholders.

• Strong sense of ownership, accountability, and control-first thinking.

• Passion for innovation in payments and treasury modernization.

Other:

• As per MUFG’s Return to Office policy, a candidate must work onsite for 4 days and 1 day remotely.

• The typical base pay range for this role is between $140K - $205K 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

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.