Financial Intelligence Unit (FIU) Investigator - Philippines

westernunion; Quezon City; On-site; PHP 900,000 - 1,300,000; Full time

Job summary

Western Union is seeking an FIU Investigator in Quezon City, Philippines. The role supports the Global Compliance organization by investigating financial crime risks, evaluating complex activity, and ensuring regulatory reporting obligations are met.

Responsibilities include conducting investigations, drafting SARs, and communicating findings to management across jurisdictions in a fast-paced, highly regulated environment.

Qualifications

• Equivalent professional experience in financial services, compliance, investigations, or regulatory enforcement may be considered in lieu of formal education.
• Minimum of 2 years of experience in compliance, financial crimes investigations, AML, fraud prevention, risk management, regulatory compliance, or related disciplines.
• Experience in financial services, payments, money transmission, banking, fintech, or regulatory environments preferred.
• Understanding of AML, BSA, sanctions, counter-terrorist financing, fraud, and related regulatory requirements.

Responsibilities

• Conduct complex investigations involving high-risk consumers and financial crime cases.
• Analyze transactional behavior, customer information, and findings to identify potential risks.
• Evaluate referrals and escalations from internal partners, monitoring systems, and external sources.
• Prepare comprehensive investigative case documentation reflecting findings and recommendations.
• Draft high-quality Suspicious Activity Reports (SARs) and regulatory filings.
• Identify key risk themes and communicate them to management and stakeholders.

Skills

AML compliance

Financial crimes investigations

Regulatory reporting

Analytical thinking

Written communication

Multitasking

Education

Bachelor's degree (preferred)

Tools

World-Check

LexisNexis

Microsoft Office

Job description

Financial Intelligence Unit (FIU) Investigator - Quezon City, Philippines

Are you ready to offer your skills to a global organization committed to making financial services accessible to people everywhere? It's time to join Western Union as a FIU Investigator.

Position Summary

The Financial Intelligence Unit (FIU) Investigator is a key member of the Global Compliance organization, responsible for protecting the company from money laundering, terrorist financing, fraud, and other financial crime risks. This role conducts complex investigations involving consumers identified through monitoring systems, internal referrals, or external sources.

The Investigator applies advanced analytical and investigative techniques to identify suspicious activity, assess risk exposure, and recommend appropriate mitigation measures. This position requires the ability to independently evaluate complex financial activity, document findings, support regulatory reporting obligations, and collaborate with stakeholders across multiple jurisdictions. Successful candidates must demonstrate strong investigative skills, sound judgment, exceptional attention to detail, and the ability to communicate complex findings clearly and effectively in a global and highly regulated environment.

Role Responsibilities:

• Conduct complex investigations involving high-risk consumers.
• Analyze transactional behavior, customer information, and investigative findings to identify potential money laundering, terrorist financing, fraud, sanctions, or other financial crime risks.
• Evaluate referrals and escalations from internal business partners, monitoring systems, and external sources.
• Apply independent judgment to determine whether activity warrants further investigation, enhanced due diligence, regulatory reporting, or other risk mitigation actions.
• Recognize emerging financial crime trends, typologies, and risk indicators and apply appropriate investigative methodologies.
• Prepare comprehensive investigative case documentation that accurately reflects findings, conclusions, and recommended actions.
• Draft high-quality Suspicious Activity Reports (SARs) and other regulatory filings in accordance with applicable legal and regulatory requirements.
• Conduct enhanced due diligence reviews and risk assessments for consumers
• Recommend risk-based actions designed to protect the organization from financial crime exposure. Utilize internal systems, external intelligence sources, and public record databases to support investigations.
• Conduct open-source research using tools such as World-Check, LexisNexis, and other intelligence platforms.
• Identify and communicate key risk themes, patterns, and emerging threats to management and business stakeholders.
• Communicate investigative findings and recommendations to management and business partners in a clear and concise manner.
• Operate effectively in a global environment while maintaining awareness of varying legal, regulatory, and cultural considerations.
• Provide guidance, mentoring, and subject matter expertise to colleagues when appropriate. Support departmental initiatives, special projects, and process improvement efforts.
• Assist in identifying opportunities to enhance investigative methodologies, controls, and reporting processes.
• Contribute to weekly case updates, monthly reporting, and periodic intelligence briefings for leadership.

Role Requirements:

• Equivalent professional experience in financial services, compliance, investigations, or regulatory enforcement may be considered in lieu of formal education.
• Minimum of 2 years of experience in compliance, financial crimes investigations, anti-money laundering (AML), fraud prevention, risk management, regulatory compliance, law enforcement, or related disciplines.
• Bachelor's degree in Criminal Justice, Finance, Accounting, Business, Compliance, Risk Management, or a related field preferred.
• Experience within financial services, payments, money transmission, banking, fintech, or regulatory environments preferred.
• Demonstrated experience investigating complex financial crime matters and making risk-based decisions.
• Understanding of AML, BSA, sanctions, counter-terrorist financing, fraud, and related regulatory requirements.
• Knowledge of financial crime typologies, investigative techniques, and risk management principles.
• Analytical and critical-thinking skills with the ability to evaluate complex information and identify risk indicators.
• Strong written and verbal communication skills with the ability to prepare professional investigative reports and regulatory filings.
• Advanced proficiency with Microsoft Office applications, including Excel, Word, and PowerPoint.
• Ability to effectively manage multiple priorities in a fast-paced, deadline-driven environment.
• Strong organizational skills, attention to detail, and commitment to accuracy.
• Ability to maintain confidentiality and exercise sound judgment when handling sensitive information.
• Experience working independently wh