Lead Analyst, AML Licensing Compliance

About this role

Lead Analyst, AML Licensing Compliance – Denver (Hybrid)

Western Union powers your pursuit. Western Union is seeking a detail-oriented Lead Analyst to manage U.S. money transmitter licensing requirements. This compliance role involves renewals, filings, preparing and tracking license applications, and ensuring regulatory adherence.

The Lead Analyst, AML Compliance plays a critical role in supporting Western Union’s regulatory compliance obligations across the United States, and federal and state regulatory jurisdictions as required. This position serves as a subject matter expert on United States licensing and AML requirements applicable to Money Services Businesses (MSBs), including federal and state regulatory frameworks governing money transmission, and related financial services activities.

Applicants must be currently authorized to work in the United States on a full-time basis. Western Union will not sponsor applicants for work visas for this position. Applicants must be based in Denver or willing to relocate to Denver to work from the Denver office a minimum of three days a week. Western Union will not assist with relocation costs for this position.

Role Responsibilities   • Manage end‑to‑end licensing and registration activities within the United States, including regulatory filings, reporting, and ongoing engagement with United States regulators. • Work closely with internal Compliance, Legal, and business stakeholders, the Lead Analyst ensures that licensing obligations are consistently applied to Western Union’s products and operations across jurisdictions.  • Support regulatory readiness and ongoing compliance by maintaining robust documentation, ensuring timely and accurate filings, and serving as a key point of contact for regulatory authorities. • Prepare, submit, and track money transmitter license applications, renewals, and related filings for U.S. jurisdictions. • Ensure adherence to state and federal licensing requirements, deadlines, and reporting obligations. • Maintain thorough and organized records of all licensing activities, including supporting documentation and correspondence. • Work closely with Legal, Compliance, and Business teams to gather required information and resolve licensing issues. • Identify opportunities to streamline licensing processes and enhance efficiency. • Generate and analyze data in Excel to support compliance reporting and audits.

Role Requirements   • Bachelor’s degree in Business, Finance, Compliance, or related field (or equivalent experience). • 5+ years in licensing, regulatory compliance, or financial services. • Advanced proficiency in Microsoft Excel (pivot tables, formulas, data analysis). • Experience with money transmitter licensing or financial regulatory requirements preferred. • Familiarity with SharePoint, compliance management systems and workflow tools preferred. • Experience with NMLS preferred. • CAMS/CFCS certification preferred. • Paralegal certificate and/or legal research experience preferred. • Fluency in second language preferred. • Strong time management, documentation and organizational skills. • Attention to detail and accuracy. • Ability to work independently and as part of a team. • Flexibility to manage multiple priorities and adapt to changing regulatory requirements. • Excellent communication and problem-solving skills.

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 $90,000.00 - 100,000.00 USD per year, total on target compensation includes a base salary plus annual incentives that align with individual and company performance. Actual salaries will vary based on candidates’ qualifications, skills, and competencies.

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 below benefits specific to your location and note that your recruiter may share additional role-specific benefits 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 plan

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, Delaw

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