AML Compliance Officer

Western Union; Carlisle; Hybrid; GBP 40,000 - 60,000; Full time

Job summary

A leading financial services company in the UK is looking for an AML Compliance Officer to manage due diligence processes for agents. The ideal candidate will have experience in AML compliance, understand UK regulations, and excel in communication and collaboration. This hybrid role offers 25 days of annual leave, comprehensive life and medical cover, and a contributory pension plan.

Benefits

25 days annual leave plus 8 public holidays

Comprehensive life & medical cover

Contributory pension plan

Qualifications

• Proven experience in AML Compliance, investigations, or risk-related roles within financial services.
• Solid understanding of retail and digital financial products.
• Familiarity with UK anti-money laundering regulations.

Responsibilities

• Lead due diligence activities for onboarding UK-based Western Union agents.
• Investigate potential agents using internal and external databases.
• Review complex cases escalated by banks or internal teams.

Skills

AML Compliance experience

Strong communication skills

Time management

Collaboration skills

Detail-oriented

Analytical mindset

Education

Bachelor's degree

Tools

MS Office (Excel)

Job description

AML Compliance Officer - London, United Kingdom

Would you like to pursue a career in one of the most significant business areas these days - Anti-Money Laundering (AML)? Are you ready to play a vital role in helping millions of people and businesses to enjoy secure, reliable financial services? We are looking for a passionate candidate to join United Kingdom Regional Compliance team in the position of AML Compliance Officer based in London, United Kingdom.

Western Union powers your pursuit.

As an AML Compliance Officer, you'll play a key role in keeping our network safe and secure. You'll manage the day-to-day due diligence process for onboarding, recertifying, and monitoring Western Union agent locations across the UK. Your work will help shape and enforce policies and procedures that reduce money laundering risks-making a real impact on how we protect our customers and partners.

Role Responsibilities

• Lead due diligence activities for onboarding, recertification, and monitoring of UK-based Western Union agents.
• Investigate potential and existing agents using internal systems and external databases.
• Take action to suspend, reactivate, or reinstate agents when needed to manage risk.
• Review complex cases escalated by banks, partners, or internal teams.
• Collaborate with teams across compliance, operations, business, and internal audit to meet UK compliance goals.
• Conduct enhanced research and stay informed on regional laws, news, and cultural factors.
• Support key AML compliance initiatives, including agent oversight, transaction monitoring, and reporting.
• Engage directly with agents – by phone or in person – to reinforce AML responsibilities and ensure compliance.

Role Requirements

• Proven experience in AML Compliance, investigations, or risk-related roles within financial services
• Solid understanding of retail and digital financial products
• Familiarity with UK anti-money laundering regulations
• Bachelor's degree preferred
• Strong communication, time management, and collaboration skills
• Proficient in MS Office, especially Excel
• Detail-oriented, able to multitask, and thrive under pressure
• Analytical mindset with strong problem-solving abilities

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

Western Union is well positioned to become the world's most accessible financial services company – transforming lives and communities. 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/.

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 location-specific benefits below and note that your Recruiter may share additional role-specific benefits during your interview process or in an offer of employment.

Your United Kingdom specific benefits include:

• 25 days annual leave – plus 8 public holidays
• Comprehensive life & medical cover – including dependents.
• Contributory pension 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.

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.