AML Compliance Analyst at Western Union

Job description

Role Responsibilities The AML Compliance Analyst is responsible for identifying, investigating, and escalating potentially suspicious activity related to money laundering, fraud, sanctions, and other financial crime risks. This role conducts transaction monitoring reviews, analyzes customer and agent activity, performs research, and supports regulatory reporting requirements while ensuring compliance with anti-money laundering (AML) and applicable regulatory obligations. The Analyst partners with internal teams to assess risk, identify emerging trends, and support a strong culture of compliance and risk management. Review and investigate transaction monitoring alerts and cases to identify potentially suspicious activity. Analyze customer, agent, and transaction data to identify money laundering, fraud, sanctions, or other financial crime risks. Conduct research using internal systems and external sources to support investigations and risk assessments. Escalate suspicious activity and prepare clear, accurate case documentation in accordance with internal policies and regulatory requirements. Support the preparation and submission of regulatory reports, including Suspicious Activity Reports (SARs) and other required filings, as applicable. Identify emerging trends, typologies, and patterns of suspicious activity and recommend appropriate actions. Partner with Compliance, Risk, Operations, and other business teams to support investigations and risk mitigation efforts. Maintain investigation quality, productivity, and compliance with established procedures and service-level expectations. Participate in process improvement initiatives, knowledge sharing, and training activities within the team. Role Requirements Basic Qualifications: 2 years of experience in AML, BSA, financial crimes, fraud investigations, compliance, risk management, or a related analytical function. 2 years of experience reviewing, analyzing, and documenting investigative findings using transaction or customer data. 1 year of experience conducting research and risk assessments using multiple data sources and investigative tools. 1 Experience identifying and escalating potential compliance, AML, fraud, sanctions, or financial crime risks. Proficiency with Microsoft Excel and other business systems used for analysis, reporting, and case management. *Applicants must be currently authorized to work in the United States on a full-time basis. Western Union will not sponsor applicants for work visas for this position. Preferred Qualifications: Bachelor s degree or equivalent job experience in the financial services industry is acceptable Experience working in a regulated financial services, banking, fintech, payments, or similar environment. Experience preparing or supporting Suspicious Activity Reports (SARs), Suspicious Transaction Reports (STRs), or similar regulatory filings. Experience conducting open-source intelligence (OSINT) or enhanced due diligence research. Experience working with large datasets, trend analysis, and reporting. ACAMS, CFE, CFCS, or other financial crime compliance certifications. Workplace Option HYBRID - Western Union values in-person collaboration, problem solving, and ideation whenever possible. We believe this fosters common ways of working and supports how we execute initiatives for our customers. The expectation is to work from the office a minimum of three days a week. Location : 5 Concourse Pkwy NE, Suite 2300 Atlanta, GA 30328 BENEFITS AND OTHER DETAILS 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 ( careers.westernunion.com ). Please see the benefits below specific to your country. If applicable, additional role-specific benefits will be mentioned during your interview process or in an offer of employment. Your United States specific benefits include: Medical, Dental, Vision, and Life Insurance Tuition Assistance Program Employee Discount Program Parental Leave 401K Plan 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. Salary The base salary range is $64,000.00 - $75,000.00 USD per year. Total on-target compensation includes a base salary and short-term incentives that align with individual and company performance. Actual salaries will vary based on candidates’ qualifications, skills, and competencies. Other Details We are passionate about honoring our employee s identity and fostering a feeling of belonging. 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-Hybrid Estimated Job Posting End Date: 10-28-2026 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.

Requirements

Must-haves

Role Responsibilities
The Analyst partners with internal teams to assess risk, identify emerging trends, and support a strong culture of compliance and risk management.
Review and investigate transaction monitoring alerts and cases to identify potentially suspicious activity.
Analyze customer, agent, and transaction data to identify money laundering, fraud, sanctions, or other financial crime risks.
Conduct research using internal systems and external sources to support investigations and risk assessments.
Escalate suspicious activity and prepare clear, accurate case documentation in accordance with internal policies and regulatory requirements.
Support the preparation and submission of regulatory reports, including Suspicious Activity Reports (SARs) and other required filings, as applicable.
Identify emerging trends, typologies, and patterns of suspicious activity and recommend appropriate actions.
Partner with Compliance, Risk, Operations, and other business teams to support investigations and risk mitigation efforts.
Maintain investigation quality, productivity, and compliance with established procedures and service-level expectations.
Participate in process improvement initiatives, knowledge sharing, and training activities within the team.
Role Requirements
2 years of experience in AML, BSA, financial crimes, fraud investigations, compliance, risk management, or a related analytical function.
2 years of experience reviewing, analyzing, and documenting investigative findings using transaction or customer data.
1 year of experience conducting research and risk assessments using multiple data sources and investigative tools.
1 Experience identifying and escalating potential compliance, AML, fraud, sanctions, or financial crime risks.

Nice-to-haves

Bachelor s degree or equivalent job experience in the financial services industry is acceptable
Experience working in a regulated financial services, banking, fintech, payments, or similar environment.
Experience preparing or supporting Suspicious Activity Reports (SARs), Suspicious Transaction Reports (STRs), or similar regulatory filings.
Experience conducting open-source intelligence (OSINT) or enhanced due diligence research.
Experience working with large datasets, trend analysis, and reporting.
ACAMS, CFE, CFCS, or other financial crime compliance certifications.
Workplace Option
Location : 5 Concourse Pkwy NE, Suite 2300 Atlanta, GA 30328

Application prep

Use the role’s language and application details while tailoring your materials.

Platform: workday
Effort: long

Benefits

Benefits detected in the listing.

Health Insurance

Dental

Vision

401k

Parental Leave