Hybrid MLRO & AML Compliance Leader

Western Union; Greater London; Hybrid; GBP 90,000 - 130,000; Full time

Benefits offered by this job

25 days annual leave

Comprehensive life & medical cover

Contributory pension plan

Job summary

Western Union in the United Kingdom seeks an experienced AML Compliance Manager and MLRO to oversee the UK regulated entity's financial crime framework across retail and digital channels. You will manage CDD/EDD, SAR processes, and interactions with regulators, aiming to protect customers and the business.

This senior role requires strong UK AML/CTF knowledge, stakeholder influence, and the ability to translate risk into clear, actionable guidance for the Board and Compliance teams.

Qualifications

• Significant AML/financial crime compliance experience in a regulated financial services environment.
• Strong working knowledge of UK AML, CTF and sanctions requirements.
• Experience engaging with regulators, law enforcement, auditors and senior stakeholders.
• Professional AML qualification, such as CAMS or equivalent, would be advantageous.

Responsibilities

• Oversee the UK AML, CTF and sanctions compliance framework, including policies, controls, monitoring and governance arrangements.
• Provide oversight of suspicious activity reporting, including the outsourced SAR filing function, and act as a key point of contact for the National Crime Agency (NCA).
• Lead engagement with the FCA, HMRC, law enforcement, auditors and other stakeholders on regulatory queries, examinations, inspections and remediation.
• Oversee customer due diligence (CDD), enhanced due diligence (EDD), KYC standards, periodic reviews and ongoing monitoring controls.
• Assess financial crime risks and escalations and provide risk-based advice to senior management and the Board.
• Partner with global and regional teams to strengthen financial crime standards and respond to regulatory requirements.
• Promote a strong culture of compliance through guidance, training and awareness activities.

Skills

AML experience

Regulatory engagement

Risk-based decisions

Communication skills

Stakeholder management

Education

CAMS or equivalent

Job description

Western Union in the United Kingdom seeks an experienced AML Compliance Manager and MLRO to oversee the UK regulated entity's financial crime framework across retail and digital channels. You will manage CDD/EDD, SAR processes, and interactions with regulators, aiming to protect customers and the business.

This senior role requires strong UK AML/CTF knowledge, stakeholder influence, and the ability to translate risk into clear, actionable guidance for the Board and Compliance teams.