Spanish Speaking Specialist, AML Compliance (KYC)

Western Union; Quezon City; Hybrid; PHP 540,000 - 900,000; Full time

Benefits offered by this job

Spanish language allowance

Hybrid working arrangement

Health insurance

Paid sick and vacation leave

Job summary

Western Union in Manila is seeking a Spanish-speaking Specialist in AML Compliance (KYC) to investigate customer cases requiring enhanced due diligence and to conduct customer interviews by phone. You will analyze customer activities, document findings, and escalate when necessary.

The role emphasizes bilingual communication, strong analytical skills, and collaboration within the KYC team. A hybrid work arrangement is offered with in-office days to support collaboration.

Qualifications

• Bachelor's degree or equivalent experience in financial services preferred.
• Minimum of 1 year of experience in AML compliance, fraud prevention, and financial crime investigations.
• Minimum of 1 year of experience in customer-facing roles with phone interactions.
• Strong knowledge of AML typologies, KYC requirements, and red flags.

Responsibilities

• Investigate customer activities under enhanced due diligence.
• Conduct customer interviews and gather information by phone.
• Review customer behavior, relationship with counterparties, and economic profile.
• Document findings and escalate to stakeholders as needed.
• Support AML team with typology identification and risk monitoring.

Skills

Bilingual English/Spanish

Analytical skills

Communication skills

MS Excel

Interviewing customers

Autonomy

Education

Bachelor's degree or equivalent

Tools

MS Office

Job description

Spanish Speaking Specialist, AML Compliance (KYC)

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.

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 elevate 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.

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 AND OTHER DETAILS

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.

Your Philippines specific benefits include:

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.

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, sexual orientation, gender identity, 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:

11-15-2026

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.

Your application will include the following questions:

• How would you rate your Spanish language skills?

Western Union is changing. Yes, we’re the company that moves money around the world quickly and reliably in 200 countries and territories. We are also present in over 510,000 locations bringing immense distribution convenience to our consumers. But we’re on the cusp of becoming much more than that. Our vision is to be the preferred financial services provider for the underserved – billions of people and businesses with unmet financial service needs. That means aggressively pursuing digital, mobile, ATM/kiosk and stored value card strategies that meet the needs of today’s global consumers and businesses. So if you’re looking for a company on the move – and truly one of the most diverse work environments on the planet – then Western Union could be for you.

Western Union is changing. Yes, we’re the company that moves money around the world quickly and reliably in 200 countries and territories. We are also present in over 510,000 locations bringing immense distribution convenience to our consumers. But we’re on the cusp of becoming much more than that. Our vision is to be the preferred financial services provider for the underserved – billions of people and businesses with unmet financial service needs. That means aggressively pursuing digital, mobile, ATM/kiosk and stored value card strategies that meet the needs of today’s global consumers and businesses. So if you’re looking for a company on the move – and truly one of the most diverse work environments on the planet – then Western Union could be for you.