Senior MLRO & UK AML Compliance Lead

The Western Union Company; Greater London; Hybrid; GBP 90,000 - 120,000; Full time

Benefits offered by this job

Short-term incentives

Health insurance options

Life insurance

Development platforms access

Job summary

The Western Union Company is seeking an experienced AML Compliance Manager and MLRO for its UK regulated entity. You will lead the oversight of the UK financial crime framework across retail and digital channels, interfacing with regulators and senior stakeholders to shape risk management and controls.

This HYBRID role requires office presence at least three days per week, with broad engagement across UK authorities, auditors and internal teams to strengthen policy adherence and reporting

Qualifications

• Significant AML / financial crime compliance experience within a regulated financial services environment.
• Strong knowledge of UK AML, CTF and sanctions requirements, including KYC/CDD, suspicious activity reporting and financial crime controls.
• Experience engaging with regulators, law enforcement, auditors and senior stakeholders.
• Proven ability to assess complex financial crime and regulatory risks and make sound, risk-based decisions.
• Strong communication and influencing skills, with the confidence to provide effective challenge and clear advice.
• Previous MLRO or senior financial crime leadership role would be advantageous.
• A 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 Financial Conduct Authority (FCA), HM Revenue & Customs (HMRC), law enforcement, auditors and other relevant 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 clear, risk-based advice to senior management, the Board and Compliance teams.
• Partner with global and regional teams to strengthen financial crime standards, drive remediation and respond to emerging regulatory requirements and risks.
• Promote a strong culture of compliance through guidance, training and awareness activities.

Skills

AML compliance

Regulatory knowledge

UK AML/CTF

KYC/CDD

SAR reporting

Regulatory engagement

Leadership

CAMS qualification

Education

CAMS or equivalent

Job description

The Western Union Company is seeking an experienced AML Compliance Manager and MLRO for its UK regulated entity. You will lead the oversight of the UK financial crime framework across retail and digital channels, interfacing with regulators and senior stakeholders to shape risk management and controls.

This HYBRID role requires office presence at least three days per week, with broad engagement across UK authorities, auditors and internal teams to strengthen policy adherence and reporting