Spanish speaking Specialist, AML Compliance

Western Union; Quezon City; On-site; PHP 550,000 - 900,000; Full time

Benefits offered by this job

Spanish language allowance

Health insurance

Hybrid working arrangement

Paid sick leave and vacation leave

Job summary

Western Union Philippines seeks a KYC Specialist to investigate cases requiring enhanced due diligence within the KYC team. You will interview customers, review behavior, assess risks, and document decisions with supporting rationale.

The role emphasizes strong AML/KYC knowledge and autonomy in a hybrid Manila-based setting with Spanish and English language interviews and escalation. Flexibility includes 8-hour shifts between 11:00 PM and 9:00 AM Manila time, with a minimum in-office presence

Qualifications

• Fluency in English and Spanish is required.
• Bachelor's degree or equivalent in financial services preferred.
• Minimum of 1 year in AML compliance, fraud prevention or financial crime investigations.
• Minimum 1 year in customer-facing roles with phone interactions.
• Strong analytical, investigative and problem-solving skills with attention to detail.

Responsibilities

• Conduct customer interviews via inbound/outbound calls to gather information.
• Follow prescriptive guidelines for enhanced due diligence investigations.
• Perform in-depth analysis of customer activities under EDD.
• Investigate and research alerted activity using company systems and public databases.
• Formulate explanations and decisions with supporting rationale for flagged activities.
• Escalate cases to Western Union stakeholders as applicable.
• Contribute to the team's knowledge base with insights and experiences.
• Support AML Compliance to identify typologies and red flags.
• Contact customers to obtain additional information or documents.

Skills

AML compliance

KYC requirements

Spanish language

English language

Customer interviews

Analytical skills

Autonomy

Decision making

Education

Bachelor's degree or equivalent

Tools

MS Excel

Job description

Role Requirements

In this role, you will operate within the Know Your Customer team (KYC) of the Global Operations organization. As a KYC Specialist, you will play a pivotal role in investigating customer cases requiring enhanced due diligence. This includes reviewing and understanding the customer behavior, their relationship with counterparties, economic profile, as well as identification and resolution of any potential suspicious activity. Approximately 70% to 80% of this role is dedicated to conducting customer interviews via inbound and outbound calls to gather information about their use of Western Union services. Follow prescriptive guidelines and company procedures regarding enhanced customer due diligence investigations. Perform in-depth analysis of customer activities that undergo enhanced due diligence. Investigate and research the alerted activity using Western Union systems, public and non-public available databases and records and form further actions for the customer, which can include approval, interdiction, request for an interview, request for additional information and/or documents, if necessary. Formulate reasonable explanation for the flagged activities, considering pertinent factors such as customer economic profile, relationship with associated counterparties and purpose for money transfers. Make independent case decisions based on company policies and procedures. Clearly document findings and the rationale behind decisions made on each case. Escalate specific cases to Western Union stakeholders or other investigative groups as applicable. Actively contribute to the team's knowledge base by sharing insights and experiences. Support the AML Compliance team to ensure adherence to compliance requirements by identifying typologies and possible suspicious activities. Contact customers through outbound calls to obtain any additional information or documentation needed to support the review process.

Role Requirements

Fluency in English and Spanish languages. Bachelor's degree or equivalent job experience in the financial services industry is preferred. Minimum of 1 year of experience in AML compliance, fraud prevention, and financial crime investigations, demonstrating strong knowledge of AML typologies, KYC requirements, customer due diligence practices, financial risk monitoring, and the investigation and escalation of potentially suspicious customer and transactional activities. Minimum of 1 year of experience in customer-facing roles, with extensive experience conducting customer interactions over the phone, managing inquiries, gathering information, and providing timely and effective resolutions while maintaining a high standard of service. Demonstrated strong analytical, investigative, and problem-solving skills and high attention to detail. Ability to identify compliance risks and escalates when appropriate. Working knowledge of MS Office, especially strong MS Excel skills. Experience making independent work-related decisions following company policies and procedures. Strong Knowledge of AML compliance - risks, typologies, and red flags. Team player with strong collaborative skills. Ability to interview customers when necessary. Ability to work with a high level of autonomy. Experience in conducting public database research. Strong written and verbal communication skills.

Workplace Option

Flexibility to work 8-hour shifts between 11:00 PM and 9:00 AM (Manila time), according to business needs, with assigned schedules varying within this range. Workplace Option HYBRID - 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.

Benefits

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. Please see the benefits below specific to your country. If applicable, additional role-specific benefits will be mentioned during your interview process or in an offer of employment.

• This specific role is eligible to receive conditional Spanish language allowance
• Paid sick leave and vacation leave.
• Health card (HMO) coverage from day 1 of employment – dependents can be covered, subject to the insurer’s review of eligibility.
• Unique incentive program.
• Hybrid working arrangement.

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.

#LI-IB1 #LI-Hybrid Estimated Job Posting End Date: 10-15-2026 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.

At Western Union, we’re more than a trusted name in global payments. We’re moving beyond remittances, beyond cash, and beyond the expectations of our customers. Our talented teams enable us to transform into a digital-first company, built on the strength of our retail foundation and powered by next-generation payments. All this with the goal of helping people prosper. Our customers inspire us to push boundaries and create services that make life easier and communities stronger. Wherever you are in the world, we’re committed to shaping the next generation of financial experiences. Join us as we go beyond and be part of a team that’s redefining what’s possible.