Fraud Analyst - Atlanta, GA (Hybrid)

Role Responsibilities  

The Fraud Analyst supports Western Union's Agent Monitoring and Investigation program by identifying and mitigating fraud, money laundering, sanctions, and other financial crime risks across the Western Union agent network. This role partners with Compliance, Financial Crimes, and business stakeholders to conduct investigations, assess risk, and support regulatory and settlement-related monitoring requirements that protect customers, agents, and the organization.

• You will help protect Western Union, its customers, and its agent network by identifying, investigating, and escalating potential fraud, financial crime, and regulatory risks.
• You will conduct investigations of Western Union agents, agent owners, and agent networks to identify potential fraud, agent complicity, training deficiencies, and other compliance or financial crime risks.
• You will analyze transaction activity, customer information, agent behavior, and investigative findings to identify unusual patterns, trends, and activity that may indicate money laundering, terrorist financing, sanctions violations, fraud, or other suspicious activity.
• You will perform risk-based reviews using internal systems, data sources, and investigative tools to evaluate potential financial crime and regulatory risks.
• You will document investigative findings, conclusions, and recommendations in accordance with internal policies, procedures, and regulatory requirements.
• You will assess potential risks and recommend appropriate mitigation actions, including escalation, remediation, monitoring enhancements, restrictions, or corrective actions.
• You will support regulatory and settlement-related requirements by ensuring required monitoring activities, investigations, escalations, and remediation efforts are completed accurately and within established timeframes.
• You will collaborate with Compliance, Fraud, Financial Crimes, Operations, Legal, and other cross-functional stakeholders to gather information, evaluate risk, and support business decision-making.
• You will identify emerging fraud and financial crime trends and provide insights that strengthen risk controls, agent oversight, and investigative processes.
• You will contribute to continuous improvement initiatives by recommending enhancements to monitoring, investigation, and risk management processes.

Role Requirements 

Basic Qualifications:

• 2+ years of experience conducting fraud investigations, anti-money laundering (AML), financial crimes compliance, Bank Secrecy Act (BSA) compliance, sanctions compliance, risk management, or related investigative activities involving transaction activity, customer behavior, or suspicious activity.
• Experience reviewing and analyzing large volumes of transactional, customer, or account-related data to identify potential risks.
• Experience documenting investigative findings and recommendations in accordance with established procedures and regulatory requirements.
• Experience using Microsoft Excel to analyze transactional, customer, or investigative data and support reporting activities.
• Bachelor's degree or equivalent combination of education and relevant work experience.

• *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.

Preferred Qualifications:

• Experience supporting agent, merchant, correspondent, or third-party monitoring and investigation programs.
• Experience conducting investigations involving agents, merchants, money services businesses (MSBs), or other third-party partner networks.
• Experience investigating activity related to fraud, money laundering, terrorist financing, sanctions compliance, or other financial crime risks.
• Experience filing, supporting, or contributing to Suspicious Activity Report (SAR) investigations and regulatory reporting processes.
• Experience working within the financial services, payments, money transmission, banking, fintech, or compliance industries.
• Knowledge of AML, BSA, OFAC, sanctions, and financial crime regulatory requirements.
• Experience using investigative, case management, transaction monitoring, or data analytics platforms.
• Professional certifications such as Certified Anti-Money Laundering Specialist (CAMS), Certified Fraud Examiner (CFE), or related compliance certifications.
• Experience supporting global or cross-border financial services operations.

Workplace Option

HYBRID - 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.

Location: 5 Concourse Pkwy NE, Suite 2300 Atlanta, GA 30328

BENEFITS AND OTHER DETAILS