Lead Analyst, AML Compliance - US&Intl

Lead Analyst, AML Compliance – Denver, Colorado (Hybrid)

Does the prospect of working in a global organization in the fight against money laundering motivate you? Are you ready to play a vital role in helping billions of people and businesses to enjoy secure, reliable financial services? Are you interested in joining a globally diverse organization where our unique contributions are recognized and celebrated, allowing each of us to thrive? Then it’s time to join Western Union with the AML Compliance team as a Lead Analyst.

Western Union powers your pursuit. 

In this role, you will be a critical member within the Financial Intelligence Unit of the Global Compliance organization. The FIU mitigates money laundering and terrorist financing risks to Western Union. This highly visible area is responsible for identifying, escalating, and mitigating money laundering risk related activity.

Role Responsibilities

• Responsible for the design of targeted, risk-based transaction monitoring rules and control programs, particularly for rules associated with complex, impactful, or novel jurisdictions and products.
• Serve as a primary resource for Senior Analysts on methodology, rule logic, and review handling and translates management priorities into actionable tasks and ensures consistent application of standards.
• Identify conceptual risks and translating them into systematic controls.
• Support the ongoing enhancement of our risk-based program design as part of the Compliance Analytics and Design Team (FIU-CA&D) team including assessments associated with WU's organization, consumers, corridors/geographies, and products.
• Analyze and evolve the control and monitoring programs to be more dynamic as system capabilities are enhanced by working with live data.
• Support a strong Culture of Compliance where in-depth data analysis, open-source research and intelligence gathering from existing Compliance departments is required to identify if Western Union’s products are being abused by individuals or organizations across 120+ jurisdictions while ensuring that Western Union designs and maintains industry leading risk mitigation programs & systems.
• Possess a high degree of integrity, confidentiality, independent and sound judgment, and professionalism, as well as excellent oral and written communication skills.

Role Requirements

• Bachelor’s degree or 4 years of equivalent job experience in the financial services industry is acceptable.
• Advanced Microsoft Office skills (Excel, Word, and Powerpoint) including the use of pivot tables.
• Experience with Snowflake / SQL or Python preferred.
• Strong analytical skills required, investigative experience specifically transactional data analysis and exposure to transaction monitoring controls preferred.
• Detail oriented, excellent organizational skills, ability to multi-task under tight deadlines.
• Excellent written and verbal communication skills.
• Demonstrated initiative and creative problem-solving skills.
• Understanding of the Global Money Remittances Industry as it relates to anti-money laundering, terrorist financing and fraud typologies.
• Knowledge of the global laws and regulations applicable to money laundering, including the Bank Secrecy Act (BSA), The USA PATRIOT Act.
• Understanding of international regulatory bodies and organizations.
• Team player with strong collaborative qualities and a positive demeanor.
• Ability to work on confidential and sensitive matters with a high degree of professionalism and discretion.
• Proven track-record of successfully evaluating and providing analysis on transaction monitoring rule suites sufficient to support a conclusion that the candidate can work more complex assignments including but not limited to jurisdictions under novel monitoring, the introduction of new products, or rule suites that demonstrate substantial integration of regulatory / stakeholder feedback.
• Ability to successfully conduct quality control reviews on tasks performed by others.
• Ability to successfully manage multiple projects / workstreams simultaneously and operate with minimal management oversight.

We make financial services accessible to humans everywhere. Join us for what’s next.

Western Union is positioned to become the world’s most accessible financial services company — transforming lives and communities. We’re a diverse and passionate customer-centric team of over 8,000 employees serving 200 countries and territories, reaching customers and receivers around the globe. More than moving money, we design easy-to-use products and services for our digital and physical financial ecosystem that help our customers move forward.

Just as we help our global customers prosper, we support our employees in achieving their professional aspirations. You’ll have plenty of opportunities to learn new skills and build a career, as well as receive a great compensation package. If you’re ready to help drive the future of financial services, it’s time for Western Union. Learn more about our purpose and people at https://careers.westernunion.com/.

Salary

The base salary range is $ 90,000.00 - 115,000.00 USD Annual USD per year, total on target compensation includes a base salary plus annual incentives that align with individual and company performance. Actual salaries will vary based on candidates’ qualifications, skills, and competencies.

Benefits

You will also have access to short-term incentives, multiple health insurance options, accident and life insurance, and access to best-in-class development platforms, to name a few (https://careers.westernunion.com/global-benefits/). Please see the below benefits specific to your location and note that your recruiter may share additional role-specific benefits during your interview
process or in an offer of employment.

Your US specific benefits include:

• Flexible Time off  
• Medical, Dental and Life Insurance 
• Parental Leave 
• Global Adoption Assistance
• 401K plan

Western Union values in-person collaboration, learning, and ideation whenever possible. We believe this creates value through common ways of working and supports the execution of enterprise objectives which will ultimately help us achieve our strategic goals. By connecting face-to-face, we are better able to learn from our peers, problem-solve together, and innovate.

Our Hybrid Work Model categorizes each role into one of three categories. Western Union has determined the category of this role to be Hybrid. This is defined as a flexible working arrangement that enables employees to divide their time between working from home and working from an office location. The expectation is to work from the office a minimum of three days a week.

For residents of Colorado, California, Connecticut, Delaware, Minnesota, and Pennsylvania: Please do not respond to any questions on this initial application that may seek age-identifying information such as age, date of birth, or dates of school attendance or graduation. You may also redact this information from any materials you submit during the application process. You will not be penalized for redacting or removing this information.

We are passionate about diversity. Our commitment is to provide an inclusive culture that celebrates the unique backgrounds and perspectives of our global teams while reflecting the communities we serve. We do not discriminate based on race, color, national origin, religion, political affiliation, sex (including pregnancy), sexual orientation, gender identity, age, disability, marital status, or veteran status. The company will provide accommodation to applicants, including those with disabilities, during the recruitment process, following applicable laws.

#LI-RM1

Estimated Job Posting End Date:

01-30-2026

This application window is a good-faith estimate of the time that this posting will remain open. This posting will be promptly updated if the deadline is extended or the role is filled.