Summer 2026
Software Engineer Intern
Posted on 12/29/2025
Western Union
10,001+ employees
Global payments and money transfer platform
Compensation Overview
$25 - $35/hr
No H1B Sponsorship
Denver, CO, USA
Hybrid
Hybrid role; minimum 3 days on-site per week; travel/housing allowances not provided.
 Software Engineering (1) |
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- Must be at least 18 years of age or older.
- Must be enrolled in a college degree program and have earned 60 credit hours by the end of May 2026.
- Pursuing a Bachelor’s or master’s degree in computer science, Information Systems, Software Engineering, or a closely related field.
- Understanding of computer science fundamentals, data structures, algorithms, object-oriented programming, and object-oriented analysis and design.
- Experience in modern programming languages (for example, Java/Angular/Python) and design patterns.
- Ability to work independently and as part of a team.
- Must be available to participate in the 12-week program from June 1 to August 21 at Western Union Headquarters in Denver, CO.
- Applicants must be currently authorized to work in the United States on a full-time basis; Western Union will not sponsor work visas for these positions.
- Support/develop on global applications with new technologies and standards.
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
Englewood, Colorado
Founded
1851
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Simplify's Take
What believers are saying
- Stablecard launched August 4, 2026, reaching 37 markets and 175 million Visa merchants.
- NYDFS approved Intermex on August 14, 2026, supporting Western Union's consolidation strategy.
- Beyond Efficiency targets $200 million savings by 2027, improving margins after Q2 pressure.
What critics are saying
- California DFPI suspended Intermex approval extension on August 13, 2026, delaying closing.
- Q2 2026 adjusted EPS fell to $0.31; guidance dropped to $1.25-$1.35.
- Shutting Western Union Digital Bank signals failed adjacent bets and regulatory drag in Europe.
What makes Western Union unique
- Western Union spans 200 countries and 500,000 agent locations, unmatched in cash remittances.
- USDPT on Solana and Stablecard with Rain integrate remittances, wallets, and Visa acceptance.
- Nutanix migration shows Western Union is rebuilding legacy infrastructure for faster digital product delivery.
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Benefits
Flexible Time off
Medical, Dental and Life Insurance
Parental Leave
Global Adoption Assistance
401(k) Company Match
Company News
Unlock private Monero payments via AgoraDesk & Western Union. In today's digital economy, privacy-focused cryptocurrencies have become essential tools for individuals and businesses that wish to protect their financial data from prying eyes. Monero (XMR) stands at the forefront of this movement, offering untraceable transactions through cutting-edge cryptographic techniques. However, turning those private coins into usable fiat currency can be a challenge, especially when traditional exchanges require extensive identity verification. This is where AgoraDesk, a decentralized escrow platform, steps in. By pairing AgoraDesk with Monero and leveraging the global reach of Western Union, users can complete private, low-fee trades and receive cash payouts with minimal friction. The following sections explore each component in depth and provide actionable guidance for a seamless experience. What is AgoraDesk and why it matters for Monero users. AgoraDesk is an open-source, peer-to-peer marketplace that operates without a central authority. Sellers list offers to sell cryptocurrencies, while buyers place purchase requests, and the platform holds the funds in escrow until both parties confirm that the transaction has been completed. Because AgoraDesk does not custody user funds, it reduces the attack surface that hackers or regulators might exploit. For Monero holders, this means they can advertise XMR for sale, negotiate directly with buyers, and receive payments in a variety of fiat currencies - including USD, EUR, or local cash - without exposing their wallet addresses on a public order book. The community-driven moderation, low commission structure, and transparent dispute resolution further cement AgoraDesk's reputation as a trustworthy gateway for privacy-centric traders. The privacy advantage of Monero (XMR). Monero's architecture incorporates ring signatures, stealth addresses, and confidential transactions, each of which obscures a different piece of transaction metadata. Ring signatures mix a user's output with those of other participants, making it computationally infeasible to link a signature to a specific individual. Stealth addresses generate one-time recipient addresses, preventing the association of incoming funds with a permanent public address. Finally, confidential transactions hide the amount being transferred. Together, these mechanisms ensure that every Monero transaction remains confidential from start to finish. For merchants handling sensitive financial information, this level of privacy protects customer data, reduces the risk of targeted attacks, and complies with privacy-focused regulations in many jurisdictions. Bridging crypto to fiat: Western Union integration. Even with Monero's strong on-chain privacy, most participants eventually need to convert their earnings into traditional money to cover expenses such as payroll, inventory, or rent. Western Union provides a ubiquitous network of over 500,000 agent locations worldwide, enabling rapid cash pickups without the need for a bank account. AgoraDesk's integration with Western Union allows sellers to request a cash payout directly after a trade is released from escrow. This eliminates the intermediate step of moving funds to a centralized exchange, thereby reducing fees, shortening settlement times, and preserving the anonymity that Monero users expect. Additionally, Western Union's compliance checks are performed at the point of cash collection, meaning that the private nature of the trade remains intact until the final cash handover. Practical tips for using AgoraDesk with Monero and Western Union. * Check Seller Reputation: Review feedback scores, transaction count, and any dispute history before committing funds. * Utilize Escrow Safeguards: Keep the cryptocurrency in escrow until you receive confirmation that the cash has been collected. * Compare Exchange Rates: Different Western Union locations may offer varying conversion rates; shop around to maximize your payout. * Stay Informed on Legal Requirements: Local regulations on crypto-to-fiat conversions can differ; ensure your activity complies with regional laws. * Secure Your Monero Wallet: Use a hardware wallet or a reputable software wallet to protect your private keys throughout the trading process. Following these best practices will help you maintain a smooth, secure, and private workflow when converting Monero into cash via AgoraDesk and Western Union. By leveraging the strengths of each platform - AgoraDesk's decentralized marketplace, Monero's untraceable protocol, and Western Union's extensive cash-out network - you can achieve financial transactions that are both discreet and efficient, empowering you to operate confidently in a world where privacy matters.
Western Union is implementing a $200 million efficiency programme to counter profitability pressure as it transitions to digital payments. In the second quarter of 2026, branded digital transactions grew 25%, but adjusted revenues increased only 6%, while adjusted operating margin fell to 15% from 19% year-on-year. The Beyond Efficiency plan targets $50 million in run-rate savings by year-end 2026 and $200 million by end-2027. Initiatives include reducing discretionary operations and technology capacity by 20%, closing European digital wallets, and using AI to automate processes. The company is also cutting transaction costs. In Colombia, it reduced a digital payout cost from over $2 to less than $0.50 per transaction. Full-year 2026 adjusted earnings per share guidance has been revised down to $1.25-$1.35.
Western Union shifts infrastructure from VMware to Nutanix. Western Union has migrated its core infrastructure from VMware to Nutanix, framing the move as a long-term partnership rather than a routine vendor swap as part of its digital transformation. Renascence Newsdesk What happened. Western Union has moved its infrastructure from VMware to Nutanix, according to reporting by Diginomica. The switch, overseen by the company's technology leadership including Brandon Shaw, is framed as a long-term partnership rather than a like-for-like vendor swap, and comes as the 170-year-old money transfer business continues to digitise its core operations. The move follows a broader pattern in enterprise IT, where organisations running VMware environments have been reassessing their virtualisation and hybrid-cloud strategies since Broadcom's acquisition of VMware reshaped licensing and support terms across the industry. For Western Union, the shift to Nutanix is presented as a deliberate bet on flexibility, giving the company more room to adapt its infrastructure as its digital transformation programme evolves. Why it matters. This is fundamentally a digital transformation story: it shows a large, established financial services operator treating infrastructure modernisation as a strategic decision rather than a routine technical refresh. Choosing a new long-term infrastructure partner signals that Western Union expects its technology foundation to need to flex further - supporting new services, faster deployment cycles, or evolving compliance and data requirements - as it continues moving from a legacy, branch-heavy money transfer model toward a more digitally native one. For technology and operations leaders elsewhere, the case illustrates how infrastructure choices are increasingly bound up with vendor relationship strategy, not just cost or performance. Framing a platform migration as a "partnership" rather than a procurement exercise suggests Western Union is prioritising ongoing collaboration and adaptability over simply swapping one system for another - a distinction that matters when the underlying business itself is still in the middle of digitising. The Renascence take. Infrastructure migrations rarely make headlines on their own merits; when they do, it's usually because the story being told is about resilience and adaptability, not servers. Western Union's move is a reminder that "digital transformation" for a decades-old service business is as much about the plumbing as the customer-facing app. The real signal here isn't VMware versus Nutanix - it's that Western Union is choosing flexibility as a design principle for its technology stack, at a moment when its core service is being reshaped by digital-first competitors. Legacy institutions that treat infrastructure decisions as strategic partnerships, rather than one-off procurement, put themselves in a better position to respond quickly when customer expectations or regulatory demands shift. The operators who get this right won't just have modern infrastructure; they'll have the organisational muscle to keep changing it. This briefing was written by the Renascence newsdesk, synthesising reporting from the outlets below. Follow the links for the original coverage. Questions Renascence get on this topic. According to reporting by Diginomica, Western Union switched to Nutanix as part of a broader digital transformation effort, treating the change as a strategic, long-term infrastructure partnership rather than a like-for-like technical swap. More in Digital Transformation Stay ahead of CX Get the signal, not the noise. The stories shaping customer experience - plus the Journal and Experience Loom - in your inbox.
Western Union and Intermex have received regulatory approval from the New York State Department of Financial Services for Western Union's pending acquisition of Intermex. Western Union made certain commitments to the NYDFS regarding remittance services and locations in New York following the acquisition. However, on 13 August 2026, the California Department of Financial Protection and Innovation suspended its previously granted approval extension. The DFPI cited the need to further review the transaction due to the six months that have elapsed since original approval and to examine the proposal's impact on California operations. Western Union and Intermex plan to engage with the DFPI promptly to address questions and seek reinstatement of approval. Both companies remain committed to completing the transaction and intend to close shortly after receiving reinstated DFPI approval.
Western Union shares have fallen 75% from their highs as its physical remittance business faces disruption from digital competitors. Despite the stock's 13.5% dividend yield attracting value investors, analysts warn it may be a value trap. The company's operating margin declined to 13% last quarter from 19% the previous year. While Western Union's digital revenue grew 7% year-over-year, it hasn't offset retail losses and carries lower profit margins. Meanwhile, competitor Remitly Global is gaining market share with its digital-only model. Remitly's customer base grew 20% year-over-year to 10.1 million, with revenue increasing 20% to $495 million. Total send volume rose 27% to $23.5 billion. Analysts suggest Western Union may struggle to maintain its dividend as margins compress, whilst Remitly's lean operating model positions it better for long-term growth.