Senior Specialist, AML Compliance

Senior Specialist, AML Compliance – Santa Ana, Costa Rica 

Are you looking to play a key role in helping combat financial crime? Are you interested in joining a globally diverse organization where our unique contributions are recognized and celebrated, allowing each of us to thrive? Then join Western Union as a Senior Specialist, AML Compliance. 

Western Union powers your pursuit. 

In this role, you will operate within the Know Your Customer team (KYC) of the Global Operations organization. As a KYC Senior Specialist, you will play a pivotal role in investigating customer cases requiring enhanced due diligence. This includes reviewing and understanding the customer behavior, their relationship with counterparties, economic profile, as well as identification and resolution of any potential suspicious activity. 

Role Responsibilities 

·        Follow prescriptive guidelines and company procedures regarding over enhanced customer due diligence investigations. 

·        Perform in-depth analysis of customer activities that undergo enhanced due diligence. 

·        Investigate and research the alerted activity using Western Union systems, public and non-public available databases and records and form further actions for the customer, which can include approval, interdiction, request for an interview, request for additional information and/or documents, if necessary. 

·        Formulate reasonable explanation for the flagged activities, considering pertinent factors such as customer economic profile, relationship with associated counterparties and purpose for money transfers. 

·        Make independent case decisions based on company policies and procedures. Clearly document findings and the rationale behind decisions made on each case. Escalate specific cases to Western Union stakeholders or other investigative groups as applicable. 

·        Actively contribute to the team's knowledge base by sharing insights and experiences. 

·        Support the AML Compliance team to ensure adherence to compliance requirements by identifying typologies and possible suspicious activities

Role Requirements 

·        Bachelor's degree or equivalent job experience in the financial services industry is preferred. 

·        2 years of experience in any of the following: Bank Secrecy Act, AML Compliance, general and/or risk-based compliance is required. Strong proven knowledge is required in AML typologies and compliance such as Fraud and financial risk investigation and monitoring, know your customer strategies, investigation and monitoring of possible suspicious activities in transactional patterns

·        Demonstrated strong analytical, investigative, and problem-solving skills and high attention to detail. 

·        Ability to identify compliance risks and escalate when appropriate. 

·        Working knowledge of MS Office, especially strong MS Excel skills. 

·        Experience making independent work-related decisions following company policies and procedures. 

·        Strong knowledge of AML risks, typologies, and red flags. 

·        Team player with strong collaborative skills.  

·        Ability to interview customers when necessary. 

·        Ability to work with a high level of autonomy. 

·        Experience in conducting public database research. 

·        Strong written and verbal communication skills. 

We make financial services accessible to humans everywhere. Join us for what’s next.

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