Fraud and Payments
Manager, Decision Sciences
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
The Decision Scientist Manager will be part of the Decision Sciences team responsible for managing fraud losses while optimizing revenue opportunities on online Western Union transactions. In this role you will use your analytical skills to develop and maintain a suite of risk models and rules to ensure our customers, as well as Western Union, are protected against fraud. You will also –
1. Fraud Detection & Model Development
- Design and implement scalable machine learning models for real-time and batch fraud detection
- Build and deploy low-latency scoring systems
2. Strategy & Risk Analytics
- Develop fraud risk rules and scoring frameworks
- Monitor and maintain KPIs: approval rate, fraud rate, false positives
- Perform root cause analysis of fraud spikes and model deviations
3. Model Monitoring & Governance
- Track model performance and drift
- Implement model explainability
- Ensure compliance with risk and regulatory standards
Role Requirements
- Preferably Master's degree or Graduate degree in quantitative related field (Statistics, Mathematics, Operations Research, MS, M-tech, B-tech etc) required with proven track record in using advanced quantitative and statistical technique. Minimum bachelor’s degree in quantitative field preferred.
- Strong expertise in SQL and Python (Pandas, NumPy, Scikit-learn)
- Experience with: Logistic regression, Gradient boosting, Deep Learning / Neural Networks, Graph-based fraud detection
- Knowledge of Generative AI / GANs for fraud simulation
- 8+ years of relevant experience. Proven experience managing teams (2+ years preferred)
- Strong problem-solving and analytical thinking
- Stakeholder management with product, risk, and engineering teams
Work Shift
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 India specific benefits include:
- Employees Provident Fund [EPF]
- Gratuity Payment
- Public holidays
- Annual Leave, Sick leave, Compensatory leave, and Maternity / Paternity leave
- Annual Health Checkup
- Hospitalization Insurance Coverage (Mediclaim)
- Group Life Insurance, Group Personal Accident Insurance Coverage, Business Travel Insurance
- Cab Facility
- Relocation Benefit
Other Details
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.
#LI-HR1 #LI-Hybrid
Estimated Job Posting End Date:
05-19-2026
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.
