Specialist, AML Compliance - Spanish Speaker

Western Union; Philippines; Hybrid; PHP 420,000 - 660,000; Full time

Job summary

Western Union seeks a Specialist, AML Compliance - Spanish Speaker to perform enhanced due diligence investigations and in-depth analysis of customer activities. The role supports the AML team with identifying typologies and potential suspicious activities while maintaining high analytical standards.

The position requires fluency in English and Spanish, a relevant degree, and willingness to work evening shifts and weekends.

Qualifications

• Fluency in English and Spanish – outstanding verbal, written and listening skills.
• Bachelor's degree or equivalent job experience in the financial services industry.
• Amenable to work evening shifts and weekends.
• 1 year of experience in AML typologies and compliance such as fraud and financial risk investigation and monitoring, know your customer strategies, investigation and monitoring of possible suspicious activities in transactional patterns.
• Demonstrated strong analytical, investigative, and problem-solving skills and high attention to detail.
• Working knowledge of MS Office, especially strong MS Excel skills.

Responsibilities

• 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.
• Perform call attempts to customer when additional information / documents are needed
• Receive calls from customers when they are needed.

Skills

Spanish fluency

English fluency

MS Excel

AML knowledge

Investigative skills

Public database research

Attention to detail

Education

Bachelor's degree or equivalent

Tools

MS Office

Job description

Specialist, AML Compliance - Spanish Speaker

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 Responsibilities

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.

Perform call attempts to customer when additional information / documents are needed

Receive calls from customers when they are needed.

Role Requirements

Fluency in English and Spanish – outstanding verbal, written and listening skills.

Bachelor's degree or equivalent job experience in the financial services industry is preferred.

Amenable to work evening shifts and weekends.

1 year of experience in the following: Strong knowledge is required in AML typologies and compliance such as Fraud and financial risk investigation and monitoring, know your customer strategies, investigation and monitoring of possible suspicious activities in transactional patterns

Demonstrated strong analytical, investigative, and problem-solving skills and high attention to detail.

Ability to identify compliance risks and escape 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.

We make financial services accessible to humans everywhere. Join us for what’s next.

Western Union is positioned to become the world’s most accessible financial services company — transforming lives and communities. We’re a diverse and passionate customer-centric team of over 8,000 employees serving 200 countries and territories, reaching customers and receivers around the globe. More than moving money, we design easy-to-use products and services for our digital and physical financial ecosystem that help our customers move forward.

Just as we help our global customers prosper, we support our employees in achieving their professional aspirations. You’ll have plenty of opportunities to learn new skills and build a career, as well as receive a great compensation package. If you’re ready to help drive the future of financial services, it’s time for Western Union. Learn more about our purpose and people athttps://careers.westernunion.com/.

Work Shift

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

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:

Paid sick leave and vacation leave

HMO coverage with dependents from day 1 of employment, subject to insurer's review

Hybrid working arrangement

Other Details

Estimated Job Posting End Date:

07-31-2026

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.