Compliance
MLRO
Overview
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.
Role Responsibilities
As a key member of Western Union’s Compliance function in Germany, you will serve as the appointed Money Laundering Reporting Officer (MLRO) and play a critical role in ensuring that our German entities fully comply with all legal and regulatory obligations—particularly in the areas of Anti‑Money Laundering (AML) and Counter‑Terrorist Financing (CTF). You will manage regulatory interactions, oversee internal AML processes, and partner closely with senior leadership to protect the integrity of Western Union’s operations.
In this role, you will:
- Serve as the primary point of contact for German supervisory authorities, law enforcement bodies, and the Financial Intelligence Unit (FIU).
- Fulfil MLRO responsibilities in accordance with Section 25h (7) of the German Banking Act (KWG).
- Lead the independent handling, assessment, and coordination of suspicious activity reports (SARs).
- Ensure adherence to all reporting obligations to BaFin and other regulatory authorities.
- Develop, implement, and maintain AML/CTF policies, procedures, and internal controls.
- Define and monitor compliance requirements across existing and new products, services, and business initiatives.
- Train and sensitize internal staff on AML, compliance expectations, and regulatory changes.
- Collaborate closely with the Managing Director and contribute to business continuity planning.
Role Requirements
- University degree, preferably in law, economics, finance, business, or a related discipline.
- Minimum 5 years of professional experience in AML, compliance, or risk management—ideally within a complex financial, payments, or regulated environment.
- At least 3 years in a leadership or supervisory capacity.
- Strong knowledge of German AML/CTF regulations, supervisory expectations, and relevant financial products/processes.
- Proven experience engaging constructively with regulatory authorities and internal stakeholders.
- Excellent analytical, problem‑solving, and decision‑making skills.
- Strong communication skills in both German and English (written and spoken).
- Demonstrated ability to lead, motivate, and develop a team.
Work Shift
HYBRID – 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
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. 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 Germany specific benefits include:
- Short-term incentive programs
- Accident and life insurance
- First-class development platforms
- Contribution-based pension plan
- Group life insurance through the pension plan
Other Details
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.
#LI-MP2 #LI-Hybrid
Estimated Job Posting End Date:
04-30-2026
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.
Our customer is at the heart of everything we do. Learn more:
Apply Today!
About Western Union
Western Union Company is a global leader in cross-border, cross-currency money movement. Our omnichannel platform connects the digital and physical worlds and makes it possible for consumers and businesses to send and receive money and make payments with speed, ease, and reliability. With our global reach, Western Union moves money for better, connecting family, friends and businesses to enable financial inclusion and support economic growth.
Western Union Listens
We hold employee surveys through our employee engagement tool, Western Union Listens, benchmarking our results against global peers. We use the results to continually improve our culture and workplace, and encourage managers to review, discuss, and take action on survey findings with their teams.
In 2024, the employee participation rate reached 84%.
Western Union Game Changers Global Recognition Program
Recognition is a critical link to performance, inclusion, diverse ideas, and fostering a workplace where our employees connect, show their appreciation, and feel valued. At Western Union, our recognition is about moments that matter.
Get to know Western Union
As you read some of our employee stories from around the world, we hope you see yourself reflected in the work we do and the people who make up our diverse team.
