Associate Decision Scientist

Associate Decision Scientist – Pune India

Are you ready to join a growing Decision Sciences team in a global company that customers depend on to prevent fraudulent transactions? Do you want to work in a role that has a direct impact on our customer experience? Join Western Union as Scientist, Decision Sciences.

Western Union powers your pursuit.

The Associate Decision Scientist will be part of the Risk Modelling and Statistics team responsible for managing modern AML Compliance monitoring controls.  In this role you will use your analytical skills to develop and maintain a suite of ML models/Controls and rules to ensure Western Union has a modern Transaction Monitoring controls and features which balances Risk as well as Customer Experience.

Role Responsibilities

• The Decision Scientist will be part of the CS&A team responsible for the below:
• In support of the Western Union Global Compliance organization, including its anti-money laundering, fraud, and customer protection programs, the Compliance Systems and Analytics team (CS&A) develop and manages risk models under the Risk Modeling & Statistics (RM&S) group. The objectives of the Risk Modeling & Statistics function are three-fold:
• Design and implement risk models to assess risk across Agents, Customers, and Corridors utilizing data and appropriate statistical/mathematical techniques
• Develop models that align with Financial Action Task Force (FATF) risk categories and Office of the Comptroller of the Currency (OCC) risk model governance
• Enable Global Compliance programs to make decisions in a data-driven and fact-based manner

Role Requirements

• The RM&S group develops and manages the risk models based on input from the Global Compliance organization and the Western Union business lines
• Document and communicate model results and insights internally
• Support Senior/Staff Members with ad-hoc analysis in response to internal and external requests
• Continuously track and evaluate the effectiveness of risk models and rules
• Analyze transaction activity to identify opportunities to improve the quality of controls
• Profile customer behavior to identify opportunities to enhance model/rule performance
• Preferably bachelor’s degree in quantitative related field (Statistics, Math, Operations Research, MS,M-tech, B-tech etc) required with proven track record in using advanced quantitative and statistical technique.
• Strong problem solving and analytical skills
• Strong communication skills to convey the analysis outcomes
• Ability to analyze problems and produce justification to enhance fraud decisions.
• SQL/SAS programming experience and aptitude to learn on the job
• Working knowledge of Snowflake
• Working knowledge of developing predictive models like logistic regression, decision tree etc and machine learning techniques
• Strong knowledge of Microsoft Excel
• Ability to navigate in Linux/Unix system or aptitude to learn on the job new tools/system

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/.

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 India specific benefits include:

• Employees Provident Fund [EPF]
• Gratuity Payment
• Public holidays
• Annual Leave, Sick leave, Compensatory leave, and Maternity / Paternity leave
• Annual Health Check up
• Hospitalization Insurance Coverage (Mediclaim)
• Group Life Insurance, Group Personal Accident Insurance Coverage, Business Travel Insurance
• Cab Facility
• Relocation Benefit

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.

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-HR1 #LI-Hybrid

Estimated Job Posting End Date:

10-09-2025

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.