Junior AML Compliance Specialist
About the job
- At least 1 year of experience in anti-money laundering, compliance, know-your-customer, risk, or financial crime.
- Strong analytical and investigation skills.
- Fluency in French and English, both oral and written.
- Ability to manage multiple priorities in a dynamic environment.
- Interest in financial crime prevention and regulatory compliance.
- Conduct anti-money laundering investigations and analyze suspicious activities.
- Support Suspicious Transaction Reports and regulatory reporting to TRACFIN.
- Perform quality reviews of Financial Intelligence Unit requests and other anti-money-laundering controls.
- Conduct transaction monitoring, enhanced due diligence, and risk assessments.
- Conduct compliance reviews of Western Union’s agent network, analyze transaction activity, and participate in risk-based assessments to identify and mitigate compliance risks.
- Monitor emerging anti-money-laundering and financial-crime risks across the network and support continuous improvement of compliance controls.
đź“Ť Paris La DĂ©fense | Hybrid (3 days/week)
Join Western Union and help fight financial crime.
At Western Union, we connect millions of customers across more than 200 countries and territories. Behind every transaction is a strong commitment to protecting customers, preventing financial crime, and supporting regulatory compliance.
We're looking for a Junior AML Compliance Specialist to join our France Compliance Team and contribute to the fight against Money Laundering, Terrorist Financing and Fraud.
This is a unique opportunity to gain exposure to both AML investigations and Agent Oversight activities within a leading global payments company.
What you will do:
âś… Conduct AML investigations and analyze suspicious activities
âś… Support Suspicious Transaction Reports (STRs) and regulatory reporting to TRACFIN
âś… Perform quality reviews of FIU requests and other AML controls
âś… Conduct transaction monitoring enhanced due diligence and risk assessments
✅ Contribute to the oversight of Western Union’s agent network by conducting compliance reviews, analyzing transaction activity, and participating in risk-based assessments aimed at identifying and mitigating compliance risks.
âś… Monitor emerging AML and financial crime risks across the network and support continuous improvement of compliance controls.
What we're looking for :
- +1-year of experience in AML, Compliance, KYC, Risk or Financial Crime
- Strong analytical and investigation skills
- Fluent French and English (oral and written)
- Ability to manage multiple priorities in a dynamic environment
- Interest in financial crime prevention and regulatory compliance
Why join us?
âś” Work directly on AML and Terrorist Financing investigations
âś” Gain exposure to TRACFIN-related activities
âś” Collaborate with international Compliance teams
âś” Develop expertise across Monitoring & Reporting and Agent Oversight
âś” Build your career with a global leader in financial services
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 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 France specific benefits include:
- 25 days annual leave – plus 11 public holidays
- Comprehensive life & medical cover
- Luncheon Vouchers
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.
Estimated Job Posting End Date:
10-23-2026This 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.
About the company
Western Union facilitates international money transfers and financial services for individuals and businesses. The company operates through a vast network of physical agent locations and digital platforms, allowing users to send funds in various currencies for pickup in cash or direct deposit into bank accounts and mobile wallets. Unlike many digital-only fintech competitors, Western Union maintains a massive physical presence in over 200 countries and territories, making it accessible to people who do not have traditional bank accounts or reliable internet access. The company’s goal is to expand global financial inclusion by making a wider range of services—such as saving and spending tools—accessible to diverse communities, ultimately helping more people achieve financial stability.
Company Size
10,001+
Company Stage
IPO
Headquarters
Denver, Colorado
Founded
1851
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Simplify's Take
What believers are saying
- September 2, 2026 JuanPay adds 2,000 Philippine outlets, widening Western Union distribution.
- July 30, 2026 Beyond Efficiency targets $200 million savings by end-2027.
- Western Union's Q2 2026 branded digital transactions rose 25%, offsetting retail weakness.
What critics are saying
- AUSTRAC's August 31, 2026 probe threatens fines, remediation costs, and correspondent confidence.
- September 10, 2026 Costa Rica cuts signal restructuring strain and management distraction through mid-2027.
- Intermex's delayed close blocks synergies; another setback would crush margins and earnings guidance.
What makes Western Union unique
- Western Union spans 200 countries, making cash remittances locally accessible almost everywhere.
- It pairs retail agent density with branded digital apps across major corridors.
- Western Union's compliance-heavy operating model attracts partners like JuanPay and banks.
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Benefits
- Flexible Time off
- Medical, Dental and Life Insurance
- Parental Leave
- Global Adoption Assistance
- 401(k) Company Match
Company News
Saudi super-app barq to absorb Bahrain's Beyon Money, gaining its licences. The telecoms group's wallet will become part of barq, which says the deal is about Beyon Money's regulatory licences. No terms were disclosed. Rudri Mehta Kachhy PAYMENTS CORRESPONDENT barq, the Saudi payments app that became a unicorn last month, has agreed to take over Beyon Money, the digital wallet owned by Bahraini telecoms group Beyon, mainly to get its licences. Beyon Money's operations will become part of barq, and Beyon will keep an economic interest in barq, the companies said on 7 October. The agreement was signed at the FinTech Forward 2026 conference in Bahrain. Neither side disclosed a price or the size of Beyon's stake. The deal still depends on final documentation, regulatory approvals and customary closing conditions. Beyon Money customers can keep using their accounts as normal. Buying a regulatory base. Mohamed Alsabea, barq's chief of staff and chief strategy officer, was direct about the reason. "Beyon Money's licences give us a regulated foundation to build on in new markets, the deal marks an important step in barq's growth." Beyon Money launched in January 2022, operating through three entities regulated by the Central Bank of Bahrain: Batelco Financial Services, Batelco Remittance Services and Beyon Money Investments. In May 2023 the central bank granted it a Class 2 investment licence. Its app covers payments, transfers and remittances, and in January 2026 its business wallet was integrated with EazyPay's point-of-sale terminals in Bahrain. Beyon has not published Beyon Money's current customer numbers. In 2023 it said customers had grown tenfold in a year. Shaikh Mohamed bin Khalifa Al Khalifa, chief executive of Beyon Digital Growth, said: "Beyon Money is a strong example of how we build and develop digital businesses with the potential to create long-term value." barq raised a $329.5 million Series A at a $1.85 billion valuation in September, the largest fintech deal in the Middle East and North Africa in the third quarter, according to Wamda. It says it has more than 15 million users and has processed more than SAR 440 billion ($117 billion) in transactions. It said the money would fund international expansion but didn't name markets. Its cross-border work so far has been through partners rather than licences of its own. barq has integrated with Western Union for international money transfers and partnered with Alipay+ in May 2026 to accept cross-border QR code payments. Owning Beyon Money would give it a licensed business of its own outside Saudi Arabia. The Beyon Money deal is the first sign of where that could start. Neither company has said which licences will transfer, whether the Central Bank of Bahrain must approve the change of control, or when they expect the deal to close.
Western Union selects Screenverse as exclusive programmatic technology partner for its DOOH network. October 13, 2026 The partnership gives advertisers access to more than 2,600 digital screens across 124 U.S. markets, reaching consumers during everyday financial transactions and money management moments. NEW YORK, NY - October 13, 2026 - Screenverse, a leading programmatic technology partner for digital out-of-home (DOOH), announced a new partnership today with Western Union, a global leader in cross-border, cross-currency money movement, payments, and digital financial services. The partnership gives advertisers the opportunity to connect with consumers as they manage money, make payments, and navigate everyday financial decisions. Western Union's DOOH media network spans more than 2,600 digital screens across 124 U.S. markets and generates more than 623 million monthly impressions. With a strong presence in major markets including New York, Chicago, Los Angeles, Miami, and Houston, advertisers can reach consumers at national scale while focusing on the markets and communities most relevant to their campaigns. What sets Western Union apart is the financial mindset of consumers visiting these locations. Screens are positioned across financial services and everyday retail environments, including check-cashing centers, banks, supermarkets, pharmacies, and convenience stores. In this context, consumers are focused on accessing funds, managing finances, and making payments. With average dwell times of 15-20 minutes, brands also benefit from extended exposure as consumers spend time completing transactions. "Western Union brings something the DOOH ecosystem hasn't had at scale by creating a national financial services footprint that reaches consumers in the middle of real transaction moments," said Nick Sadler, Senior Vice President of Supply at Screenverse. "Financial services has been an underbuilt venue category, and this partnership opens it up with the reach and targeting rigor programmatic buyers expect. For advertisers, it's a rare combination of high-attention environments, a captive audience, and inventory that clears through the pipes they're already buying." Western Union provides audience insights highlighting strong representation across Hispanic, African American, Asian, and immigrant communities, creating opportunities for brands to reach diverse multicultural audiences. Its financial services footprint can also help advertisers reach consumers who primarily use cash or checks and may be less visible through traditional digital targeting methods. "Our partnership with Screenverse marks an important step in expanding the reach and sophistication of the Western Union Media Network," said Josh Bernstein, Director of Media Network Operations at Western Union. "Screenverse brings an unbiased, independent perspective that opens doors to new buyers and fresh demand. We're thrilled to work with a partner whose goals are fully aligned with helping us grow." The partnership helps advertisers reach consumers at key financial moments that other media channels can't replicate. Western Union's DOOH inventory is available programmatically through Screenverse via Place Exchange by Broadsign and Perion, giving advertisers flexible ways to plan and activate campaigns across the network. About Screenverse Screenverse is the leading partner for DOOH media owners, specializing in monetization and ad management solutions that scale programmatic revenue. Established in 2020, Screenverse has built the largest network of DOOH inventory in the physical world, with over 150,000+ digital screens across 29 networks, including billboards, urban panels, retail, and residential environments. Connecting advertisers to premium media nationwide through both programmatic and direct channels, Screenverse delivers meaningful results for brands, agencies, and media owners alike. For more information, please visit screenversemedia.com About Western Union The Western Union Company (NYSE: WU) is committed to helping people around the world who aspire to build financial futures for themselves, their loved ones and their communities. Its leading cross-border, cross-currency money movement, payments and digital financial services empower consumers, businesses, financial institutions and governments across more than 200 countries and territories and over 130 currencies to connect with billions of bank accounts, millions of digital wallets and cards, and a global footprint of hundreds of thousands of retail locations. Its goal is to offer accessible financial services that help people and communities prosper. For more information, visit www.westernunion.com Media Contact: Alexandra Bell Screenverse [email protected] ID: 4 Share this Tasty content!
Twenty one of the world's biggest banks are building their own stablecoin. Twenty one banks, from Goldman Sachs to Deutsche Bank, are forming a company to issue a dollar stablecoin by 2027, but a 140-company rival led by Visa and Stripe already launched Open USD in July and knocked nearly a fifth off Circle's stock. Goldman Sachs, Citi and Bank of America are leading 21 banks into a joint dollar stablecoin, but they're not just chasing Tether and Circle anymore. A second army of 140 companies got there first. The banking world spent a decade treating stablecoins as something crypto traders used to dodge dollar wire fees. That posture is officially dead. Twenty one of the largest financial institutions on earth, anchored by Goldman Sachs, Citi and Bank of America, have committed to forming a new company in the second half of 2026 that will issue a dollar-pegged stablecoin, with a target launch in the first half of 2027. A euro version is already queued up behind it. This isn't a pilot program buried in an innovation lab. The roster reads like a who's who of global finance: Capital One, Fidelity, PNC, Scotiabank, TD Bank, Wells Fargo and WisdomTree out of North America; Santander, BBVA, Commerzbank, Crédit Agricole, Deutsche Bank, Lloyds, Rabobank and UBS from Europe; MUFG, Standard Bank and Sirius International Holding covering Asia, Africa and the Middle East. The group started with just ten banks when it first went public in October 2025, according to reporting from Forkast and the Yahoo Finance crypto desk. It has more than doubled since. Here's what's actually driving this. The GENIUS Act gave stablecoin issuers in the U.S. a real regulatory framework for the first time, and banks read that as a green light rather than a warning label. The stablecoin they're building is designed to be both GENIUS Act and MiCA compliant, aimed at interbank payments, digital asset settlement and eventually retail use. For banks that have spent years watching Tether and Circle run the dollar-token business without a banking charter in sight, that's the opening they'd been waiting for. And the market they're chasing is genuinely shifting under everyone's feet. Tether's USDT still commands roughly 60% of the stablecoin market, with Circle's USDC holding a bit more than 20%. But their combined grip has slipped from 91.6% in March 2024 to around 84% today, based on data referenced in recent Cointelegraph and industry reporting. That eight-point erosion in under two years is exactly the kind of crack a 21-bank consortium wants to drive a wedge into. A 140-company consortium including Visa, Mastercard, Stripe, BlackRock, and Coinbase launched Open USD on June 30, a stablecoin that returns reserve yield to partner businesses rather than keeping it, directly threatening Circle's core revenue model. Circle stock fell on the news as Coinbase, its own distribution partner, signed on as an OUSD... - stablecoin reserve profits competition - Visa Stripe Circle Tether rivalry Here's the part the banks probably didn't love discovering: they're now in a three-way fight, not a two-way one. On July 1, 2026, more than 140 companies, including Visa, Stripe, Mastercard, BlackRock, Coinbase, Ripple, Google, IBM, Shopify and Western Union, announced Open Standard and its stablecoin, Open USD. It charges zero fees to mint or redeem, carries no volume caps, and shares nearly all of its reserve yield with partner companies instead of keeping it, which is a direct shot at the business model Circle has run since its IPO. The market reaction told you everything. Circle's stock dropped somewhere between 17% and 19% on the Open USD announcement, according to reporting from Decrypt and the Stockopedia newswire, as investors priced in a rival that gives away the thing Circle charges for. If a coalition of payment networks and tech giants can do that kind of damage to Circle in one announcement, a 21-bank consortium with actual balance sheets and existing corporate relationships is a different order of threat entirely. Frankly, the real prize here isn't retail wallets. It's the plumbing underneath corporate treasury. According to analysis from McKinsey and Artemis Analytics, business-to-business stablecoin payments grew 733% year over year to an estimated $226 billion annually. Hyundai Motor and Hyundai Card ran what they called the first cross-border stablecoin settlement by a Korean card company on July 9, 2026, moving $20,000 in USDT from Hyundai Motor America to Hyundai Motor de México over Avalanche in about seven minutes. The same transfer through correspondent banking would have taken three to four hours. Settlement on stablecoin rails runs roughly 0.5% to 2.5% in total cost, against 3% to 7% for traditional correspondent banking, industry cost comparisons show. That gap is why a consortium of banks with trillions in corporate clients wants in, not because crypto traders need another coin to speculate with. None of this guarantees the bank consortium wins. It doesn't even have a name yet, and 2027 is still more than a year out. Open USD is already live in the market it's chasing. What's certain is that the stablecoin business has stopped being a crypto-native sideshow that traditional finance could afford to ignore. Goldman Sachs, Citi and nineteen other banks just decided they'd rather build the rails than keep paying tolls on someone else's. Twenty-one major banks, including Bank of America, Citi, Goldman Sachs and UBS, committed on September 1 to launch a joint dollar stablecoin company targeting a first-half 2027 launch. Circle's stock fell 6% on the news, its second institutional hit this quarter after Morgan Stanley slashed its price target 64% in August. - circle stock drops major banks stablecoin - banks launch rival to USDC stablecoin Join the discussion. No replies yet. Start the discussion. Dave Barr is a professional Marketing Strategist With Over 6 Years Of Experience in PR. His primary area of expertise is public relations and social branding. Dave has been associated with various content projects from across the world on a regular basis. He has also had associations with big and reputed news networks. Dave contributes to Startup Fortune in the Business, Marketing and Technology sections.
Wells Fargo launches mobile remittances to fend off fintech threat. The news: Wells Fargo is bringing its international money transfer service directly into the Wells Fargo app with ExpressSend Mobile, per a press release. Customers can send money to family and friends in 12 countries and track transfers in real time. Why it matters: Wells Fargo said it is the only major US bank with a dedicated mobile remittance service. However, remittances are a competitive industry, and it's getting more crowded. On top of incumbents like Western Union, Nubank launched Nu Global in September, a stablecoin account with free transfers across more than 35 countries. And Zelle plans to bring payments to India and other markets through its ZelleUSD stablecoin. Adding remittances to its mobile app gives Wells Fargo a potentially lucrative revenue stream in a large and growing industry. US remittance outflows are forecast to rise from $110.31 billion in 2026 to $116.46 billion in 2028, according to EMARKETER's forecast - a $6.5 billion increase. Read this with EMARKETER PRO+. Unlock unlimited insights with PRO+. You've read 0 of 2 free articles this month. Get more articles - create your free account today!
Western Union cuts could hit more than 1,000 jobs in Costa Rica. September 10, 2026 Western Union will gradually shrink its operations center in Costa Rica over the next 12 months and shift positions to Guatemala, Lithuania and the Philippines, the company confirmed on Wednesday. Local reports citing sources familiar with the plan say more than 1,000 jobs could be affected. Costa Rica videos. The Denver-based money transfer company said the changes follow a comprehensive review of its business. Western Union said the restructuring is intended to drive greater efficiency across its global financial network and to place support services where they best meet the needs of customers and agents. The company stressed that it will maintain an active presence in Costa Rica. Money sending and receiving services for customers and agents in Costa Rica will continue without interruption, Western Union said, as the reduction applies to its corporate operations center rather than the network of agent locations where customers send and collect funds. Western Union has not disclosed how many positions will be eliminated or relocated. Its Costa Rica careers page describes the site as employing more than 1,200 people representing 32 nationalities and 17 languages. Local business press figures put the workforce at 1,244, with a commitment by the company to maintain 1,100 positions. The Costa Rica operation serves as Western Union's regional operations center for Latin America and is based in Santa Ana, west of San José. It operates under the free trade zone regime, which exempts qualifying companies from income tax, and is registered locally as Unión del Oeste de Costa Rica S.R.L. In an internal communication sent to employees on Wednesday and signed by Ben Hawksworth, Western Union said it plans to move its regional support hub for the Americas to an operations center in Guatemala City. The message said the shift is meant to align the work done at each center with the region in which it is located. The company told staff that not all work will leave Costa Rica and that it is still evaluating which roles will remain. The transition will take place gradually, team by team, and Western Union expects much of it to be complete by mid-2027. During that period, employees in Costa Rica will work alongside colleagues in Guatemala City and other offices to hand over knowledge, procedures and best practices, according to the communication. Workers whose roles are affected will receive severance in line with legal requirements and company policy, along with human resources support and benefits guidance. Western Union acknowledged in the message that the prolonged lack of detail had created uncertainty among staff. The company attributed part of the delay to the drawn-out closing of its planned acquisition of Intermex, a U.S.-based remittance firm, which it said had slowed integration planning and decisions on where to locate operations. The message also recognized 28 years of contributions by the company's Costa Rica teams. The decision comes as Western Union accelerates cost cuts worldwide. Reporting second-quarter results on July 30, President and CEO Devin McGranahan said weaker-than-expected performance in the Americas retail business and the delayed Intermex deal had squeezed margins, requiring the company to "accelerate cost reductions more forcefully in the second half of the year." Quarterly revenue came in at $1 billion, down 1% from a year earlier, while adjusted earnings per share fell to $0.31 from $0.42. On the company's earnings call, McGranahan outlined a restructuring program called Beyond Efficiency, which targets $50 million in annualized savings by the end of 2026 and $200 million by the end of 2027. He cited the transfer of agent onboarding for the Asia-Pacific region from Lithuania and Costa Rica to the company's Manila operations center as one example of the approach. The $500 million Intermex acquisition, announced in August 2025 and initially expected to close in mid-2026, remains pending. In August, California's financial regulator suspended an approval extension for the deal to conduct further review, according to a joint statement from the two companies. The announcement follows other job reductions at multinational employers in Costa Rica this year, including Boston Scientific's confirmed layoffs and a new round of layoffs at Amazon. Western Union said it will share further details on which positions will move and which will stay as planning progresses. 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