FIU Investigator

FIU Investigator Denver, Colorado (Hybrid)

Does the prospect of working in a global organization in the fight against money laundering motivate you? Are you ready to play a vital role in helping billions of people and businesses to enjoy secure, reliable financial services? Are you interested in joining a globally diverse organization where our unique contributions are recognized and celebrated, allowing each of us to thrive? Then it's time to join Western Union as a FIU Investigator.

In this role, you will be a critical member within the Financial Intelligence Unit of the Global Compliance organization. The FIU mitigates money laundering and terrorist financing risks to Western Union. This highly visible area is responsible for identifying, escalating and mitigating money laundering risk related activity.

The FIU Investigator is mainly tasked with the investigation of complex patterns and trends associated with money laundering and any other potential risks tied to Western Union. You will be responsible for assessing initial referrals and escalations, offering accurate analysis and documentation of suspicious activities, developing suspicious activity reports for the most complicated cases, and making enhanced due diligence decisions. Moreover, you will recommend suitable risk-based business actions concerning Agent and consumer relationships. It is crucial that you can work in an international context and are required to uphold a high degree of integrity, confidentiality, independent and sound judgment, and professionalism, in addition to possessing excellent oral and written communication skills.

Role Responsibilities

• Responsible for investigating the highest risk Agents and consumers and other complex cases.
• Uses various comprehensive investigative methods and independent decision making to determine if activity is suspicious.
• Writes concise Suspicious Activity Reports that will be sent to the governments in multiple jurisdictions.
• Performs Agent and consumer enhanced due diligence.
• Interacts with various stakeholders within the organization to gather critical information for decision making.
• Detect suspicious trends and activity by analyzing transactions through various systems/applications and formulating conclusions regarding potential risk, risk mitigation as well as suspicious activity reports.
• Provides accurate documentation of suspicious activity formulates suspicious activity reports on the most complex cases and enhanced due diligence decisions and recommends appropriate risk-based business actions to be taken concerning Agent and consumer relationships.
• Manage a wide range of public-source research techniques and create detailed narrative investigative reports, presentations and, where needed, link charts or similar diagrams to record investigative actions, findings, and analysis.
• Deal with ad hoc queries related to AML compliance issues that have been escalated as potentially suspicious transactions.
• Provide concise weekly case updates, monthly report input and quarterly intelligence briefings profiling key AML risks at all levels of FIU programs for upper-level management.

Role Requirements

• Bachelor's degree preferred, yet equivalent job experience in the financial services industry is acceptable.
• 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 laws and regulations is preferred.
• 1-2 years' experience in any of the following: Bank Secrecy Act, AML Compliance, general and/or risk-based compliance, yielding a comprehensive understanding of technology and best practices in the compliance field. (Preferred)
• Advanced Microsoft Office skills (Excel, Word, and PowerPoint) including the use of pivot tables.
• Strong analytical skills required, investigative experience preferred.
• Detail oriented, excellent organizational skills, ability to multi-task under tight deadlines.
• Excellent written and verbal communication skills
• Knowledge of the global laws and regulations applicable to money laundering, including the Bank Secrecy Act (BSA), The USA PATRIOT Act. Understanding of international regulatory bodies and organizations. (Preferred)
• Ability to assess the level of risk cases present and prioritize accordingly.
• Ability to work with a high level of autonomy.
• Team player with strong collaborative qualities and a positive demeanor

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 US specific benefits include:

• Paid Time off
• Medical, Dental and Life Insurance
• Parental Leave
• Global Adoption Assistance
• 401K

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.

The on-target earnings range is $ 80,000.00 - 90,000.00 USD Annual USD per year, which includes a base salary and short-term and long-term incentives that align with individual and company performance. Actual salaries will vary based on candidates' qualifications, skills, and competencies.

As part of the application process, all applicants are required to take assessments. Western Union has partnered with a 3rd party provider to administer these tests. Applicants will need to provide their name and email address in order to process the assessments. If you have any questions, you may reach out to careers@westernunion.com.

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.