Fraud Analyst - Atlanta, GA (Hybrid)

The Western Union Company; Atlanta (GA); Hybrid; USD 64,000 - 75,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

Life Insurance

401K Plan

Tuition Assistance

Employee Discount

Parental Leave

Job summary

The Western Union Company is seeking a Fraud Analyst to support its Agent Monitoring and Investigation program, focusing on identifying and mitigating fraud, AML, sanctions, and other financial crime risks across the agent network.

You will partner with Compliance and business stakeholders, analyze transaction data, document findings, and recommend mitigation actions. This hybrid role requires 2+ years of investigation experience and a Bachelor’s degree.

Qualifications

• 2+ years of experience conducting fraud investigations, AML, financial crimes compliance, BSA compliance, sanctions compliance, risk management, or related investigative activities.
• Experience reviewing and analyzing large volumes of transactional, customer, or account data to identify potential risks.
• Experience documenting investigative findings and recommendations in accordance with procedures and regulatory requirements.
• Experience using Microsoft Excel to analyze transactional, customer, or investigative data and support reporting activities.
• Bachelor's degree or equivalent combination of education and relevant work experience.

Responsibilities

• Identify and mitigate fraud, money laundering, sanctions, and other financial crime risks across the Western Union agent network.
• Partner with Compliance, Financial Crimes, and business stakeholders to conduct investigations and support regulatory monitoring.
• Investigate agents, agent owners, and agent networks to identify fraud and compliance risks.
• Analyze transaction activity and customer information to identify unusual patterns indicating money laundering or fraud.
• Perform risk-based reviews using internal systems and investigative tools to evaluate regulatory risks.
• Document investigative findings, conclusions, and recommendations in accordance with internal policies and regulatory requirements.
• Assess risks and recommend mitigation actions including escalation or monitoring enhancements.
• Support regulatory and settlement-related requirements by ensuring monitoring and investigations are completed on time.
• Collaborate with cross-functional teams to gather information and support business decisions.
• Identify emerging fraud trends and provide insights to strengthen risk controls and investigation processes.
• Contribute to continuous improvement initiatives in monitoring and risk management.

Skills

Fraud investigations

AML

Regulatory compliance

Data analysis

Risk management

Investigations leadership

Regulatory requirements

Education

Bachelor's degree or equivalent

Tools

Microsoft Excel

Job description

Role Responsibilities

The Fraud Analyst supports Western Union's Agent Monitoring and Investigation program by identifying and mitigating fraud, money laundering, sanctions, and other financial crime risks across the Western Union agent network.

• This role partners with Compliance, Financial Crimes, and business stakeholders to conduct investigations, assess risk, and support regulatory and settlement-related monitoring requirements that protect customers, agents, and the organization.
• You will help protect Western Union, its customers, and its agent network by identifying, investigating, and escalating potential fraud, financial crime, and regulatory risks.
• You will conduct investigations of Western Union agents, agent owners, and agent networks to identify potential fraud, agent complicity, training deficiencies, and other compliance or financial crime risks.
• You will analyze transaction activity, customer information, agent behavior, and investigative findings to identify unusual patterns, trends, and activity that may indicate money laundering, terrorist financing, sanctions violations, fraud, or other suspicious activity.
• You will perform risk-based reviews using internal systems, data sources, and investigative tools to evaluate potential financial crime and regulatory risks.
• You will document investigative findings, conclusions, and recommendations in accordance with internal policies, procedures, and regulatory requirements.
• You will assess potential risks and recommend appropriate mitigation actions, including escalation, remediation, monitoring enhancements, restrictions, or corrective actions.
• You will support regulatory and settlement-related requirements by ensuring required monitoring activities, investigations, escalations, and remediation efforts are completed accurately and within established timeframes.
• You will collaborate with Compliance, Fraud, Financial Crimes, Operations, Legal, and other cross-functional stakeholders to gather information, evaluate risk, and support business decision-making.
• You will identify emerging fraud and financial crime trends and provide insights that strengthen risk controls, agent oversight, and investigative processes.
• You will contribute to continuous improvement initiatives by recommending enhancements to monitoring, investigation, and risk management processes.

Role Requirements

Basic Qualifications

• 2+ years of experience conducting fraud investigations, anti-money laundering (AML), financial crimes compliance, Bank Secrecy Act (BSA) compliance, sanctions compliance, risk management, or related investigative activities involving transaction activity, customer behavior, or suspicious activity.
• Experience reviewing and analyzing large volumes of transactional, customer, or account-related data to identify potential risks.
• Experience documenting investigative findings and recommendations in accordance with established procedures and regulatory requirements.
• Experience using Microsoft Excel to analyze transactional, customer, or investigative data and support reporting activities.
• Bachelor's degree or equivalent combination of education and relevant work experience.
• *Applicants must be currently authorized to work in the United States on a full-time basis. Western Union will not sponsor applicants for work visas for this position.

Preferred Qualifications

• Experience supporting agent, merchant, correspondent, or third-party monitoring and investigation programs.
• Experience conducting investigations involving agents, merchants, money services businesses (MSBs), or other third-party partner networks.
• Experience investigating activity related to fraud, money laundering, terrorist financing, sanctions compliance, or other financial crime risks.
• Experience filing, supporting, or contributing to Suspicious Activity Report (SAR) investigations and regulatory reporting processes.
• Experience working within the financial services, payments, money transmission, banking, fintech, or compliance industries.
• Knowledge of AML, BSA, OFAC, sanctions, and financial crime regulatory requirements.
• Experience using investigative, case management, transaction monitoring, or data analytics platforms.
• Professional certifications such as Certified Anti-Money Laundering Specialist (CAMS), Certified Fraud Examiner (CFE), or related compliance certifications.
• Experience supporting global or cross-border financial services operations.

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.

Location: 5 Concourse Pkwy NE, Suite 2300 Atlanta, GA 30328

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 (https://careers.westernunion.com/global-benefits/). 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.

United States Specific Benefits

• Medical, Dental, Vision, and Life Insurance
• Tuition Assistance Program
• Employee Discount Program
• Parental Leave
• 401K Plan

For residents of Colorado, California, Connecticut, Delaware, Minnesota, and Pennsylvania: Please do not respond to any questions on this initial application that may seek age-identifying information such as age, date of birth, or dates of school attendance or graduation. You may also redact this information from any materials you submit during the application process. You will not be penalized for redacting or removing this information.

Salary

The base salary range is $64,000.00 - $75,000.00 USD per year. Total on-target compensation includes a base salary and short-term incentives that align with individual and company performance. Actual salaries will vary based on candidates’ qualifications, skills, and competencies.

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.

Posting End Date

Estimated Job Posting End Date: 11-02-2026 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.

About Western Union

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.