Senior Manager, AML Compliance - Berlin

Western Union; Berlin; Hybrid; EUR 110,000 - 150,000; Full time

Benefits offered by this job

Annual leave 25 days

Pluxee Card €50/month

Edenred meal vouchers €108/month

Additional special leave days

Job summary

Western Union in Berlin seeks a Senior Manager, AML Compliance to oversee the global financial crime framework, including AML, CTF and sanctions. You will oversee risk assessments, KYC/CDD, and work with regulators and law enforcement.

You will lead the AML team, manage investigations, supervise SAR filing, and promote a strong compliance culture through training. The role requires 7–9 years of AML experience, fluency in German and English, and a professional AML credential.

Qualifications

• 7–9 years of experience in AML Compliance, ideally including experience as an MLRO, Deputy MLRO, or in a senior financial crime leadership role
• Deep knowledge of AML, CTF, sanctions, KYC, and wider financial crime compliance requirements
• Strong understanding of transaction monitoring, suspicious activity investigations, CDD, EDD, sanctions compliance, and AML controls
• Experience engaging with regulators, law enforcement agencies, auditors, and senior stakeholders
• Fluency in German and English, both written and verbal
• Proven ability to assess complex regulatory and operational risks and make sound, risk‑based decisions
• Strong leadership, stakeholder management, communication, and influencing skills
• Excellent analytical, problem‑solving, and decision‑making capabilities
• Ability to work independently while providing effective challenge and oversight across all levels of the organization
• Bachelor’s degree or equivalent professional experience preferred
• Professional AML qualification, such as CAMS or equivalent, preferred

Responsibilities

• Oversee the AML, CTF and sanctions framework, including policies, controls, monitoring and governance arrangements
• Lead financial crime risk assessments and provide oversight of investigations, regulatory examinations and remediation activities
• Oversee suspicious activity management and outsourced SAR filing activities, including escalations
• Act as a key point of contact for regulators and law enforcement, including BaFin and the Bundesbank
• Manage regulatory queries, examinations, audits and inspections, and oversee related remediation activities
• Provide oversight of customer due diligence (CDD), enhanced due diligence (EDD), KYC standards, periodic reviews and monitoring controls
• Advise senior stakeholders and compliance teams on complex financial crime matters and regulatory obligations
• Provide leadership and oversight across compliance teams, including MLRO responsibilities for FX and Money Transfer
• Promote a strong compliance culture through AML training and awareness activities
• Partner with global and regional teams to support consistent implementation of financial crime standards

Skills

AML compliance experience

Regulatory engagement

Leadership

German and English fluency

Risk assessment

Communication & influence

Analytical thinking

Independent work

Bachelor’s degree or equivalent

Professional AML qualification (CAMS)

Education

Bachelor’s degree or equivalent

CAMS or equivalent preferred

Job description

Role Responsibilities

Please note that this position includes Central Contact Point (CCP) responsibilities and is subject to an internal fitness and suitability assessment and regulatory notification requirements.

As Senior Manager, AML Compliance, you will oversee key elements of Western Union’s AML, counter‑terrorist financing (CTF), sanctions and broader financial crime compliance framework. You will provide oversight across financial crime risk, suspicious activity management, regulatory engagement and KYC/CDD, while working closely with regulators, law enforcement, auditors and internal stakeholders.

• Oversee the AML, CTF and sanctions framework, including policies, controls, monitoring and governance arrangements


• Lead financial crime risk assessments and provide oversight of investigations, regulatory examinations and remediation activities


• Oversee suspicious activity management and outsourced SAR filing activities, including escalations


• Act as a key point of contact for regulators and law enforcement, including BaFin and the Bundesbank


• Manage regulatory queries, examinations, audits and inspections, and oversee related remediation activities


• Provide oversight of customer due diligence (CDD), enhanced due diligence (EDD), KYC standards, periodic reviews and monitoring controls


• Advise senior stakeholders and compliance teams on complex financial crime matters and regulatory obligations


• Provide leadership and oversight across compliance teams, including MLRO responsibilities for FX and Money Transfer


• Promote a strong compliance culture through AML training and awareness activities


• Partner with global and regional teams to support consistent implementation of financial crime standards

JR0132389

Role Responsibilities

Please note that this position includes Central Contact Point (CCP) responsibilities and is subject to an internal fitness and suitability assessment and regulatory notification requirements.

As Senior Manager, AML Compliance, you will oversee key elements of Western Union’s AML, counter‑terrorist financing (CTF), sanctions and broader financial crime compliance framework. You will provide oversight across financial crime risk, suspicious activity management, regulatory engagement and KYC/CDD, while working closely with regulators, law enforcement, auditors and internal stakeholders.

• Oversee the AML, CTF and sanctions framework, including policies, controls, monitoring and governance arrangements


• Lead financial crime risk assessments and provide oversight of investigations, regulatory examinations and remediation activities


• Oversee suspicious activity management and outsourced SAR filing activities, including escalations


• Act as a key point of contact for regulators and law enforcement, including BaFin and the Bundesbank


• Manage regulatory queries, examinations, audits and inspections, and oversee related remediation activities


• Provide oversight of customer due diligence (CDD), enhanced due diligence (EDD), KYC standards, periodic reviews and monitoring controls


• Advise senior stakeholders and compliance teams on complex financial crime matters and regulatory obligations


• Provide leadership and oversight across compliance teams, including MLRO responsibilities for FX and Money Transfer


• Promote a strong compliance culture through AML training and awareness activities


• Partner with global and regional teams to support consistent implementation of financial crime standards

Role Requirements

• 7–9 years of experience in AML Compliance, ideally including experience as an MLRO, Deputy MLRO, or in a senior financial crime leadership role


• Deep knowledge of AML, CTF, sanctions, KYC, and wider financial crime compliance requirements


• Strong understanding of transaction monitoring, suspicious activity investigations, CDD, EDD, sanctions compliance, and AML controls


• Experience engaging with regulators, law enforcement agencies, auditors, and senior stakeholders


• Fluency in German and English, both written and verbal


• Proven ability to assess complex regulatory and operational risks and make sound, risk‑based decisions


• Strong leadership, stakeholder management, communication, and influencing skills


• Excellent analytical, problem‑solving, and decision‑making capabilities


• Ability to work independently while providing effective challenge and oversight across all levels of the organization


• Bachelor’s degree or equivalent professional experience preferred


• Professional AML qualification, such as CAMS or equivalent, preferred

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.

Benefits

BENEFITS AND OTHER DETAILS

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. 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 Germany-specific Benefits Include

• Annual Leave for Full Time employees – 25 working days.


• Pluxee Card worth €50 per month tax‑free after three months of employment (pro‑rated for part‑time employees).


• Edenred meal vouchers worth €108 per month.


• Additional special leave days.

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.

Estimated Job Posting End Date

11-30-2026

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.