Associate, Digital Review Team Senior Analyst

Western Union; Quezon City; On-site; PHP 600,000 - 900,000; Full time

Job summary

Western Union seeks an experienced Fraud Monitoring Analyst in the Philippines to identify and mitigate financial crime risks. The role requires 2–3 years in fraud prevention, KYC/CDD/EDD processes, and strong analytical skills. Office-based with flexible shifts to cover global operations.

You will review real-time queues, verify customer identities, and collaborate with Compliance, Fraud Operations, and Product teams to implement mitigation strategies. Strong English communication is essential.

Qualifications

• 2–3 years of experience in fraud prevention, monitoring, KYC/CDD/EDD.
• Experience with regulatory and company KYC/CDD/EDD requirements.
• Knowledge of regulatory compliance in financial services.
• Proficient in Microsoft Office and related tools.
• Excellent verbal and written English communication.

Responsibilities

• Monitor and analyze digital transaction activity for fraud trends.
• Review transactions from real-time monitoring queues and detection platforms.
• Analyze transactional data, customer profiles, and supporting docs for risk.
• Perform KYC verification, CDD/EDD, identity verification, and document auth.
• Support onboarding and account verification processes by validating identity.
• Contact customers to validate suspicious activity and verify accounts.
• Make risk-based decisions on holds, approvals, or restrictions.
• Handle complex investigations and escalation paths as needed.
• Collaborate with Analysts, Supervisors, Compliance, and Product teams.
• Share fraud patterns and best practices to strengthen controls.
• Support incident investigations and remediation activities.
• Maintain accurate case documentation for audits and regulatory needs.
• Contribute to process improvements and operational excellence.

Skills

Analytical thinking

Investigative skills

Decision making

Attention to detail

English fluency

Time management

Multitasking

Team collaboration

Education

Bachelor's degree

Tools

Fraud monitoring systems

Case management tools

Customer verification solutions

Transaction review platforms

Job description

Role Responsibilities

• Monitor and analyze digital transaction activity to identify potential fraud trends, suspicious behaviors, and emerging risk patterns.
• Review and investigate transactions from real-time monitoring queues and fraud detection platforms.
• Conduct detailed analysis of transactional data, customer profiles, account activity, and supporting documentation to identify potential fraud, financial crime, or compliance risks.
• Perform customer profile reviews, KYC verification, customer due diligence (CDD), enhanced due diligence (EDD/ECDD), identity verification, and document authentication in accordance with regulatory and company requirements.
• Support customer onboarding and account verification processes by validating customer identity, information, and documentation.
• Contact customers via phone, email, or other approved communication channels to validate suspicious transactions and verify account activity.
• Make risk-based decisions regarding transaction approvals, holds, cancellations, escalations, account restrictions, and customer verification outcomes.
• Handle complex investigations independently and determine appropriate escalation paths when necessary.
• Collaborate closely with Analysts, Senior Analysts, Supervisors, Compliance, Fraud Operations, Product, and other stakeholders to identify risks and develop mitigation strategies.
• Share fraud typologies, emerging trends, best practices, and lessons learned to strengthen fraud prevention and compliance controls.
• Support incident investigations, root cause analyses, and remediation activities related to fraud, operational risk, or customer verification concerns.
• Meet established productivity, quality, accuracy, and service-level expectations while maintaining a high standard of investigation quality.
• Identify process improvement opportunities and contribute to operational excellence initiatives.
• Maintain accurate and detailed case documentation to support regulatory, audit, and compliance requirements.
• Demonstrate flexibility and adaptability by supporting new business initiatives, projects, and responsibilities aligned with Western Union's Center of Excellence model.

Role Requirements

• Bachelor's degree, college diploma, or equivalent professional experience in Business, Finance, Criminology, Risk Management, Compliance, Information Technology, or a related field.
• Minimum of 2-3 years of relevant experience in fraud prevention, transaction monitoring, customer profile verification, KYC (Know Your Customer), Customer Due Diligence (CDD),
• Enhanced Due Diligence (EDD/ECDD), digital identity verification, compliance operations, financial crime investigations, banking, fintech, payments, or e-commerce.
• Demonstrated experience performing customer onboarding reviews, customer profile reviews, KYC verification, identity verification, document authentication, sanctions screening, and risk assessments in accordance with regulatory and company requirements.
• Working knowledge of regulatory compliance requirements, KYC/CDD/EDD processes, customer verification controls, fraud detection methodologies, and financial crime prevention practices within a regulated financial services environment.
• Experience using fraud monitoring systems, transaction review platforms, case management tools, customer verification solutions, or related risk management platforms is preferred.
• Strong analytical, investigative, problem-solving, and decision-making skills with exceptional attention to detail.
• Ability to assess risk, exercise sound judgment, and make independent risk-based decisions with limited supervision.
• Excellent verbal and written communication skills in English.
• Strong customer-centric mindset with the ability to manage sensitive customer interactions professionally while balancing customer experience, risk mitigation, and regulatory compliance requirements.
• Proficiency in Microsoft Office applications, including Excel, Word, PowerPoint, Outlook, and Teams.
• Ability to manage multiple priorities, adapt to changing business needs, and consistently meet quality, productivity, and service level targets in a fast-paced environment.
• Strong organizational and time management skills with the ability to work independently and collaboratively within a global team environment.
• Ability to quickly learn new systems, tools, processes, and regulatory requirements.
• Additional language proficiency is considered an advantage, particularly Japanese, French, German, Spanish, Italian, Portuguese, Thai, Vietnamese, Bahasa Indonesia, Mandarin, or Tagalog.

Work Shift

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. Demonstrated flexibility to work Morning, Mid, and Graveyard shifts, including weekends, public holidays, and rotating schedules, to support global business operations and coverage requirements.

Benefits

Your Philippines Specific Benefits Include

• Paid Time Offs
• HMO coverage with dependents from day 1 of employment, subject to insurer's review
• Employee Wellness
• Global Recognition and Rewards Programs

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

10-30-2026

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.