Analyst, AML Compliance

Western Union; Denver (CO); On-site; USD 65,000 - 95,000; Full time

Job summary

Western Union is seeking an AML Analyst to identify, investigate, and escalate potentially suspicious activity related to money laundering, fraud, sanctions, and other financial crime risks. You will review transaction monitoring alerts and analyze data to support investigations and regulatory reporting.

Join a team focused on risk management and compliance, collaborating with internal partners to improve processes and stay ahead of emerging threats in a regulated financial services environment.

Qualifications

• 2+ years of experience in AML, BSA, financial crimes, fraud investigations, compliance, risk management, or a related analytical function.
• 2+ years of experience reviewing, analyzing, and documenting investigative findings using transaction or customer data.
• 1+ year of experience conducting research and risk assessments using multiple data sources and investigative tools.
• 1+ Experience identifying and escalating potential compliance, AML, fraud, sanctions, or financial crime risks.
• Proficiency with Microsoft Excel and other business systems used for analysis, reporting, and case management.

Responsibilities

• Review and investigate transaction monitoring alerts and cases to identify potentially suspicious activity.
• Analyze customer, agent, and transaction data to identify money laundering, fraud, sanctions, or other financial crime risks.
• Conduct research using internal systems and external sources to support investigations and risk assessments.
• Escalate suspicious activity and prepare clear, accurate case documentation in accordance with internal policies and regulatory requirements.
• Support the preparation and submission of regulatory reports, including SARs and other required filings, as applicable.
• Identify emerging trends, typologies, and patterns of suspicious activity and recommend appropriate actions.
• Partner with Compliance, Risk, Operations, and other business teams to support investigations and risk mitigation efforts.
• Maintain investigation quality, productivity, and compliance with established procedures and service-level expectations.
• Participate in process improvement initiatives, knowledge sharing, and training activities within the team.

Skills

AML investigations

Regulatory reporting

Data analysis

Excel

Education

Bachelor's degree or equivalent

Tools

OSINT tools

Job description

The AML Analyst is responsible for identifying, investigating, and escalating potentially suspicious activity related to money laundering, fraud, sanctions, and other financial crime risks. This role conducts transaction monitoring reviews, analyzes customer and agent activity, performs research, and supports regulatory reporting requirements while ensuring compliance with anti-money laundering (AML) and applicable regulatory obligations. The Analyst partners with internal teams to assess risk, identify emerging trends, and support a strong culture of compliance and risk management.

Key Responsibilities

• Review and investigate transaction monitoring alerts and cases to identify potentially suspicious activity.
• Analyze customer, agent, and transaction data to identify money laundering, fraud, sanctions, or other financial crime risks.
• Conduct research using internal systems and external sources to support investigations and risk assessments.
• Escalate suspicious activity and prepare clear, accurate case documentation in accordance with internal policies and regulatory requirements.
• Support the preparation and submission of regulatory reports, including Suspicious Activity Reports (SARs) and other required filings, as applicable.
• Identify emerging trends, typologies, and patterns of suspicious activity and recommend appropriate actions.
• Partner with Compliance, Risk, Operations, and other business teams to support investigations and risk mitigation efforts.
• Maintain investigation quality, productivity, and compliance with established procedures and service-level expectations.
• Participate in process improvement initiatives, knowledge sharing, and training activities within the team.

Basic Requirements

• 2+ years of experience in AML, BSA, financial crimes, fraud investigations, compliance, risk management, or a related analytical function.
• 2+ years of experience reviewing, analyzing, and documenting investigative findings using transaction or customer data.
• 1+ year of experience conducting research and risk assessments using multiple data sources and investigative tools.
• 1+ Experience identifying and escalating potential compliance, AML, fraud, sanctions, or financial crime risks.
• Proficiency with Microsoft Excel and other business systems used for analysis, reporting, and case management.

Preferred Qualifications

• Bachelor's degree or equivalent job experience in the financial services industry is acceptable.
• Experience working in a regulated financial services, banking, fintech, payments, or similar environment.
• Experience preparing or supporting Suspicious Activity Reports (SARs), Suspicious Transaction Reports (STRs), or similar regulatory filings.
• Experience conducting open-source intelligence (OSINT) or enhanced due diligence research.
• Experience working with large datasets, trend analysis, and reporting.
• ACAMS, CFE, CFCS, or other financial crime compliance certifications.

Estimated Job Posting End Date: 08-24-2026 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.