Lead Analyst, AML Licensing Compliance

Western Union; Denver (CO); Hybrid; USD 90,000 - 100,000; Full time

Benefits offered by this job

Short-term incentives

Health insurance options

Accident and life insurance

Best-in-class development platforms

Paid Time off

Medical, Dental and Life Insurance

Parental Leave

401K plan

Job summary

Western Union leads the way in complex licensing and AML compliance from its Denver office. The Lead Analyst will manage U.S. money transmitter licensing, renewals, filings, and regulatory tracking across federal and state regimes.

Strong focus on accurate documentation, cross-functional collaboration, and timely regulatory submissions. The role requires 5+ years in licensing or regulatory compliance, advanced Excel skills, and familiarity with MSB requirements, SharePoint, and licensing

Qualifications

• Bachelor’s degree or equivalent experience in a related field.
• 5+ years in licensing, regulatory compliance, or financial services.
• Advanced proficiency in Microsoft Excel (pivot tables, formulas, data analysis).
• Experience with money transmitter licensing or financial regulatory requirements preferred.
• Familiarity with SharePoint, compliance management systems and workflow tools preferred.
• CAMS/CFCS certification preferred; paralegal or legal research experience preferred.

Responsibilities

• Manage end-to-end licensing and registration activities within the United States, including regulatory filings and reporting.
• Work with internal stakeholders to ensure licensing obligations are applied across jurisdictions.
• Maintain documentation, ensure timely filings, and serve as a point of contact for regulators.
• Prepare, submit, and track money transmitter license applications and renewals.
• Ensure adherence to state and federal licensing requirements and deadlines.
• Maintain organized records and collaborate with Legal, Compliance, and Business teams to resolve issues.
• Identify process improvements to streamline licensing activities and enhance efficiency.
• Analyze data in Excel to support compliance reporting and audits.

Skills

Advanced Excel

Regulatory knowledge

Documentation skills

Communication skills

Problem-solving

Time management

Team collaboration

Independent work

Education

Bachelor’s degree in Business/Finance/Compliance

Tools

SharePoint

Compliance management systems

Workflow tools

NMLS (preferred)

Job description

Lead Analyst, AML Licensing Compliance - Denver (Hybrid)

Western Union powers your pursuit. Western Union is seeking a detail-oriented Lead Analyst to manage U.S. money transmitter licensing requirements. This compliance role involves renewals, filings, preparing and tracking license applications, and ensuring regulatory adherence. The Lead Analyst, AML Compliance plays a critical role in supporting Western Union's regulatory compliance obligations across the United States, and federal and state regulatory jurisdictions as required. This position serves as a subject matter expert on United States licensing and AML requirements applicable to Money Services Businesses (MSBs), including federal and state regulatory frameworks governing money transmission, and related financial services activities.

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. Applicants must be based in Denver or willing to relocate to Denver to work from the Denver office a minimum of three days a week. Western Union will not assist with relocation costs for this position.

Role Responsibilities

• Manage end-to-end licensing and registration activities within the United States, including regulatory filings, reporting, and ongoing engagement with United States regulators.
• Work closely with internal Compliance, Legal, and business stakeholders, ensuring that licensing obligations are consistently applied to Western Union's products and operations across jurisdictions.
• Support regulatory readiness and ongoing compliance by maintaining robust documentation, ensuring timely and accurate filings, and serving as a key point of contact for regulatory authorities.
• Prepare, submit, and track money transmitter license applications, renewals, and related filings for U.S. jurisdictions.
• Ensure adherence to state and federal licensing requirements, deadlines, and reporting obligations.
• Maintain thorough and organized records of all licensing activities, including supporting documentation and correspondence.
• Work closely with Legal, Compliance, and Business teams to gather required information and resolve licensing issues.
• Identify opportunities to streamline licensing processes and enhance efficiency.
• Generate and analyze data in Excel to support compliance reporting and audits.

Role Requirements

• Bachelor's degree in Business, Finance, Compliance, or related field (or equivalent experience).
• 5+ years in licensing, regulatory compliance, or financial services.
• Advanced proficiency in Microsoft Excel (pivot tables, formulas, data analysis).
• Experience with money transmitter licensing or financial regulatory requirements preferred.
• Familiarity with SharePoint, compliance management systems and workflow tools preferred.
• Experience with NMLS preferred.
• CAMS/CFCS certification preferred.
• Paralegal certificate and/or legal research experience preferred.
• Fluency in second language preferred.
• Strong time management, documentation and organizational skills.
• Attention to detail and accuracy.
• Ability to work independently and as part of a team.
• Flexibility to manage multiple priorities and adapt to changing regulatory requirements.
• Excellent communication and problem-solving 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 are 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 at https://careers.westernunion.com/.

Salary

The base salary range is $90,000.00 - 100,000.00 USD per year, total on target compensation includes a base salary plus annual incentives that align with individual and company performance. Actual salaries will vary based on candidates' qualifications, skills, and competencies.

Benefits

• short-term incentives
• multiple health insurance options
• accident and life insurance
• best-in-class development platforms
• Paid Time off
• Medical, Dental and Life Insurance
• Parental Leave
• Global Adoption Assistance
• 401K plan

Western Union values in-person collaboration, learning, and ideation whenever possible. We believe this creates value through common ways of working and supports the execution of enterprise objectives which will ultimately help us achieve our strategic goals. By connecting face-to-face, we are better able to learn from our peers, problem-solve together, and innovate.

Our Hybrid Work Model categorizes each role into one of three categories. Western Union has determined the category of this role to be Hybrid. This is defined as a flexible working arrangement that enables employees to divide their time between working from home and working from an office location. The expectation is to work from the office a minimum of three days a week.

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.

We are passionate about diversity. 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-RM1 Estimated Job Posting End Date: 10-01-2026 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.