ACH Ops Governance, Oversight and Reporting 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.

Work Experience:

• •Experience in a risk and control, internal audit, compliance, quality assurance, operational risk, strategic planning, or business analyst function.
• •Demonstrated experience understanding business processes and translating process risks into clearly defined controls.
• •Hands-on experience assessing control design, including control objective, risk alignment, ownership, frequency, evidence, precision, and dependency considerations.
• •Hands-on experience developing and executing control test plans, test scripts, sampling approaches, walkthroughs, evidence reviews, and operating effectiveness testing.
• •Prior experience in Project design preferred
• •Experience identifying control gaps, design deficiencies, execution breakdowns, and opportunities to strengthen preventive and detective controls.
• •Experience documenting control testing results, supporting conclusions with evidence, and communicating findings to process and control owners.
• •Experience supporting RCSA, BPM, self-assurance, ad hoc control reviews, issue management, audits, compliance reviews, and regulatory examinations.
• •Experience with process documentation, risk and control assessments, remediation tracking, risk reporting, metrics, and scorecards.
• •Experience in a large financial institution or other heavily regulated environment preferred.
• •Ability to support work streams from inception through completion with limited oversight or incomplete information.
• •Big Four audit experience preferred but not required.

Responsibilities:

• •Develop and maintain a thorough understanding of assigned business processes, risks, controls, systems, handoffs, and supporting evidence.
• •Review and challenge control design to confirm the control objective is clear, the control addresses the identified risk, and the execution requirements are appropriately defined.
• •Perform process walkthroughs with control owners and stakeholders to validate how controls are designed, executed, evidenced, reviewed, and escalated.
• •Develop risk-based control test plans and test scripts that define scope, population, sample selection, procedures, expected evidence, and evaluation criteria.
• •Execute control testing through inquiry, inspection, observation, and reperformance to assess design and operating effectiveness.
• •Evaluate the completeness, accuracy, timeliness, consistency, and reliability of control evidence and document clear testing conclusions.
• •Identify control gaps, testing exceptions, execution breakdowns, and emerging risks; assess impact and communicate results promptly.
• •Partner with process and control owners to develop practical remediation plans, strengthen control design, and monitor corrective actions through completion.
• •Support front-line controls, self-assurance, BPM, RCSA, ad hoc control reviews, and independent risk, compliance, regulatory, and audit activities.
• •Coordinate control testing activities, including scheduling, population and document retrieval, sample support, evidence follow-up, review, and challenge.
• •Prepare clear written reports summarizing objectives, scope, procedures, evidence reviewed, findings, conclusions, and recommended actions.
• •Provide ongoing assessment of the risk and control environment through monitoring and reporting of issues, testing results, remediation, metrics, and emerging concerns.
• •Conduct research and analysis of operational effectiveness, business processes, risks, controls, stakeholders, market trends, and strategic priorities.
• •Present findings, risks, projections, and recommended actions to support management and senior executive decision-making.
• •Plan, coordinate, implement, monitor, and report on strategic initiatives, control enhancements, remediation plans, and projects.
• •Work collaboratively with strategy, operations, risk, controls, audit, compliance, technology, and other stakeholders to execute governance procedures and resolve obstacles.
• •Support the development and communication of long-term organizational strategy, departmental goals, processes, and resource priorities

Functional Skills:

• •Strong understanding of internal controls, control objectives, control design, control execution, and the distinction between design effectiveness and operating effectiveness.
• •Ability to evaluate whether controls are appropriately designed to mitigate identified risks and whether they operate consistently, completely, accurately, and timely.
• •Strong knowledge of control testing methodologies, including walkthroughs, inquiry, inspection, observation, reperformance, sampling, evidence evaluation, and exception analysis.
• •Ability to design practical, risk-based test procedures and determine whether evidence is sufficient, reliable, and directly supports the control requirement.
• •Ability to identify root causes, assess impact, distinguish isolated exceptions from systemic issues, and develop practical remediation or control enhancement recommendations.
• •Strong understanding of financial institution processes, products, operational risk, issue management, audit, compliance, and regulatory expectations.
• •Knowledge of BPM, RCSA, risk assessments, control inventories, control libraries, key controls, compensating controls, and control rationalization.
• •Knowledge of risk metrics, control performance indicators, reporting, scorecards, data quality, data governance, reconciliations, review, and approval processes.
• •Strong research, analytical, organizational, planning, project management, and conceptual skills.
• •Familiarity with IBM OpenPages, Tableau, SQL, Microsoft Access, SharePoint, Teams, and Project.
• •Knowledge of OCC and Federal Reserve expectations and frameworks including FFIEC, COSO, COBIT, NIST 800-53, and ITIL.
• •Excellent written and verbal communication, presentation, stakeholder management, and influencing skills.

Foundational Skills:

• •Communicates effectively and engages inclusively and with intent.
• •Applies analytical thinking, sound judgment, professional skepticism, and iterative problem-solving.
• •Actively listens, asks thoughtful questions, and constructively challenges processes, evidence, assumptions, and conclusions.
• •Demonstrates integrity, objectivity, attention to detail, resilience, flexibility, and continuous improvement.
• •Works effectively both independently and collaboratively across all levels of management and staff.
• •Manages multiple priorities while maintaining quality, documentation standards, and commitments.
• •Leverages available technology to improve control execution, testing efficiency, reporting, and results.
• •Serves as a trusted advisor while maintaining appropriate independence and evidence-based conclusions.

Education:

Degree or equivalent work experience equally preferable.

The typical base pay range for this role is between $71K - $88K depending on job-related knowledge, skills, experience, and location. This role may also be eligible for certain discretionary performance-b