Lead Compliance Internal Testing Analyst

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

Benefits offered by this job

Paid time off

Medical, Dental and Life Insurance

401K plan

Job summary

Western Union is seeking a Lead Compliance Internal Testing Analyst to join our Denver team in a hybrid role. You will lead advisory reviews, testing of AML, financial crimes controls, and regulatory compliance, and report findings to senior management.

You will develop the internal testing program, mentor colleagues, maintain the control library, and ensure timely remediation of risks, while collaborating with partners across the enterprise.

Qualifications

• Bachelor's degree with professional certification preferred (CIA, CFE, ACFCS, CAMS).
• 2+ years of relevant experience in complex retail/consumer financial services/payment services organizations with multiple financial products, or a regulatory agency or law firm involving payment services compliance issues relating to anti-money laundering, Bank Secrecy Act, and related state and federal money transmission laws and regulations.
• 2+ years of previous internal audit, financial consulting, and/or quality assurance experience.
• Strong interpersonal, analytical, problem‑solving, influencing, prioritization, decision making and conflict resolution skills including the ability to interact with all levels of management.

Responsibilities

• Identify control and operational improvements and proactively assessing the effectiveness and sufficiency of various processes within Compliance and Operations including AML, Financial Crimes Compliance, Fraud, Consumer Protection, and Regulatory Compliance.
• Conduct and lead advisory reviews and compliance controls testing, test compliance with regulatory requirements in the United States and internationally, perform root cause analysis, develop recommendations for improvement, and prepare executive summary presentations to senior management.
• Drive compliance testing from initiation through reporting including determining the scope of testing, leading walkthroughs with process owners, coordinating testing to ensure completion within timelines.
• Promptly escalating identified risks and gaps, ensuring findings are fully remediated, and checking the quality and completeness of workpapers and memos.
• Contribute to the development of the internal testing program including developing long‑term relationships with internal partners and stakeholders, mentoring and developing colleagues, maintaining and updating the control library, updating testing methodologies and internal testing guidance.

Skills

Regulatory compliance

Anti-Money Laundering

Internal testing

Analytical skills

Communication skills

Education

Bachelor's degree in related field

CIA/CFE/ACFCS/CAMS certification preferred

Job description

Lead Compliance Internal Testing Analyst – Denver (Hybrid)

Western Union powers your pursuit. Do you want to be part of a specialist team that can identify and put a stop money laundering, terrorist financing, and other fraudulent activities before it affects our customers? Do you want to unleash your potential in a global Fintech company? Join Western Union as a Lead AML Analyst.

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

Identify control and operational improvements and proactively assessing the effectiveness and sufficiency of various processes within Compliance and Operations including Anti-Money Laundering, Financial Crimes Compliance, Fraud, Consumer Protection, and Regulatory Compliance. Conduct and lead advisory reviews and compliance controls testing, test compliance with regulatory requirements in the United States and internationally, perform root cause analysis, develop recommendations for improvement, and prepare executive summary presentations to be submitted to senior management. Drive compliance testing from initiation through reporting including determining the scope of testing, leading walkthroughs with process owners, leading and coordinating testing to ensure that it is completed within set timelines, promptly escalating identified risks and gaps, ensuring that findings are fully remediated, and checking the quality and completeness of workpapers and memos. Contribute to the development of the internal testing program including developing long‑term relationships with internal partners and stakeholders, mentoring and developing colleagues, maintaining and updating the control library, updating testing methodologies and internal testing guidance, suggesting improvements to the testing program, and proactively identifying internal and external risks that may warrant additional testing.

Role Requirements

Bachelor's degree with professional certification in related disciplines (preferred CIA, CFE, ACFCS, and/or CAMS) preferred. 2+ years of relevant experience in complex retail/consumer financial services/payment services organizations with multiple financial products, or a regulatory agency or law firm involving payment services compliance issues relating to anti-money laundering, Bank Secrecy Act, and related state and federal money transmission laws and regulations. 2+ years of previous internal audit, financial consulting, and/or quality assurance experience. Strong interpersonal, analytical, problem‑solving, influencing, prioritization, decision making and conflict resolution skills including the ability to interact with all levels of management.

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 at https://careers.westernunion.com/.

Salary

The base salary range is $90,000.00 - $100,000.00 USD Annual 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

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 below benefits specific to your location and note that your recruiter may share additional role‑specific benefits during your interview process or in an offer of employment. Your US specific benefits include: 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.

Hybrid Work Model

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.

Equal Opportunity & Diversity

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: 10-05-2026 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.