Director, US Consumer Protection Counsel

Are you a high caliber, experienced and energetic attorney, with experience in financial services regulation and technology? Are you interested in joining a globally diverse organization where our unique contributions are recognized and celebrated, allowing each of us to thrive? Join Western Union as Director, US Consumer Protection Counsel.

In a rapidly evolving and challenging international regulatory and macropolitical environment, we seek an energetic team player with a positive and balanced outlook ready to make an impact, who can take the initiative to help colleagues make swift, effective risk-based decisions regarding regulatory risks and requirements.

This US Regulatory Counsel will work closely with stakeholders across the company to analyze, assess risk and ensure compliance with US regulations, play a key role in managing regulatory risks, and support licensing initiatives, product launches and service enhancements improving our customers’ experience. The legal advice provided by this role will be potentially critical to effective risk-based decision-making by teams and functions addressing regulatory compliance matters, licensing applications and product and service launches/enhancements

Role Responsibilities 

• Oversee regulatory requirements research, analysis / interpretation and advisory / matter handling, including engaging with outside counsel.

• Collaborate with a customer and strategic focus with other functions, especially Compliance and Ops/Product teams, to support the launch of new and improved products and compliance controls.

• Draft formal legal analysis (eg internal memos), responses to regulatory inquiries, notifications, inspection/exams, direct regulatory interaction.

• Monitor and report on legislative trends and developments, supporting the Public Policy team on lobbying efforts and where necessary inputting to public consultations and key industry events.

• Team Development and Department Management inputs

Role Requirements 

• Juris Doctor (JD) degree from an accredited law school

• Admitted to at least one US State bar

• 6-8+ years of relevant post-qualification experience, including detailed regulatory legal expertise. Several years in a leading law firm or multinational in-house role focused on payments/fintech, and/or experience gained in US federal governmental bodies or State departments is strongly preferred.

• Deep knowledge of US federal and state regulatory frameworks and compliance requirements applicable to payments companies, including Bank Secrecy Act (BSA), AML/CFT laws and sanctions, EFTA, Dodd-Frank / consumer laws; licensing laws such as crypto, money transmission, wallets and lending / banking as a service

• Excellent analytical, research, and communication skills, able to deliver concise, timely, commercial advice on potentially complex or ambiguous regulatory requirements

• Ability to work cross-functionally and manage multiple projects simultaneously, providing pragmatic, clear, risk-based advice in a fast-paced environment

• Experience in representing companies in regulatory investigations and hearings at supervisory and enforcement level

• Proficiency in providing regulatory compliance and risk management advice to support product development and customer service enhancements in line with regulatory requirements and risk appetite

• Advanced communication and cross-functional stakeholder management skills in a global, diverse, multicultural work environment

• Proficiency in teamwork and ownership with a customer focus

• Pragmatic, risk-based approach to decision-making

• Comfortable with grey area, able to handle and adapt to change and ambiguity in a fast-paced environment

• Creative mindset and approach to achieving compliance – challenges the status quo

• Ability to interact with internal and external customers daily and influence the delivery of value with the customer and agent experience in mind while acting as a guardian to the company in managing its regulatory obligations

• Regular review and sometime design of processes, policies, and programs related to regulatory compliance

• Working familiarity with the organization, competitors, industry, and commercial environment

• Deep knowledge of US federal and state regulatory frameworks and compliance requirements applicable to payments companies, ideally gained in a leading law firm or multinational in-house role focused on payments/fintech, and/or experience gained in US federal governmental bodies or State departments

• Excellent analytical, research, and communication skills, able to deliver concise, timely, commercial advice on potentially complex or ambiguous regulatory requirements

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 $170,000 – $200,000 USD per year, total on target compensation includes a base salary plus a variable target incentive that aligns with individual and company performance.

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 location-specific benefits below and note that your Recruiter may share additional role-specific benefits during your interview process or in an offer of employment.

Your United States – specific benefits include:

• Family First Program

• Flexible Time off

• Medical, Dental and Life Insurance

• Tuition Assistance Program

• Parental Leave

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.

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Estimated Job Posting End Date:

07-07-2025

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.