Director, Finance

Western Union•Miami, FL

1d•Hybrid

About The Position

We are seeking a seasoned finance leader to oversee financial strategy, performance management, and operational excellence for our North America business. This role owns regional P&L management, forecasting, budgeting, and working capital, while serving as a key strategic partner to the BU President/GM. The ideal candidate brings deep payments expertise and a strong track record of guiding high‑growth, transaction-driven businesses. Strategic Financial Leadership Partner with the BU President/GM to shape strategy for growth, profitability, and market expansion across agents, partners, and payment channels. Lead long‑range financial planning, integrating competitive insights (e.g., real-time payments, alternative payment methods, digital wallets) and macroeconomic trends across the payments sector. Evaluate and influence major strategic initiatives—including new payment products, international growth, technology modernization, and risk investments Payments FP&A & Performance Management Own the full P&L, forecasting, budgeting, and monthly business reviews with a strong focus on payment-driven revenue streams. Build and maintain transaction-level unit economics (authorization yield, cost per transaction, gross margin by payment type, fraud losses, dispute/chargeback ratios). Develop real‑time dashboards and analytics using transaction data, risk scoring outputs, and network performance metrics to drive decision-making. Revenue Strategy & Pricing Partner with Product and Commercial teams to design pricing structures across channels and corridors. Lead margin optimization initiatives including interchange analysis, network optimization, and routing strategies such as least‑cost routing. Cross-Functional Leadership Represent Finance in key cross-functional forums including Product Councils, Risk Committees, and Operational Reviews. Ensure alignment and execution across Finance, Product, Engineering, Operations, Risk, Sales, and Legal. Translate complex payments and financial data into clear insights for non-financial stakeholders. Team Leadership & Talent Development Lead and develop a high-performing finance team specializing in payments analytics, revenue operations, and P&L ownership. Build advanced capabilities in predictive analytics, automation, and data-driven decision-making. Foster a culture grounded in clarity, operational rigor, and strategic partnership. Additional Responsibilities Collaborate closely with business and finance stakeholders to drive revenue and profitability growth. Ensure business leaders are equipped with accurate reporting and analytical support while upholding internal controls and compliance. Leverage experience in cross-border payments, interchange optimization, card network relationships, or regulatory frameworks. Lead the regional finance function with a strong focus on operational excellence.

Requirements

10–15+ years of progressive finance experience.
Global
3–5+ years in payments, merchant acquiring, card issuing, fintech, or financial services.
Bachelor’s degree in finance, Accounting, Economics, Mathematics, or another quantitative field.
Direct experience managing P&L and leading FP&A in a transaction-driven business.
Deep understanding of payments economics, network rules, fraud and risk dynamics, and merchant/issuer revenue models.
Familiarity with SQL, BI tools, and modern data environments commonly used in payments (e.g., Snowflake).

Nice To Haves

Advanced credentials such as MBA, CFA, CPA, or equivalent preferred.
Leverage experience in cross-border payments, interchange optimization, card network relationships, or regulatory frameworks.

Responsibilities

Oversee financial strategy, performance management, and operational excellence
Own regional P&L management, forecasting, budgeting, and working capital
Serve as a key strategic partner to the BU President/GM
Partner with the BU President/GM to shape strategy for growth, profitability, and market expansion across agents, partners, and payment channels
Lead long‑range financial planning, integrating competitive insights (e.g., real-time payments, alternative payment methods, digital wallets) and macroeconomic trends across the payments sector
Evaluate and influence major strategic initiatives—including new payment products, international growth, technology modernization, and risk investments
Own the full P&L, forecasting, budgeting, and monthly business reviews with a strong focus on payment-driven revenue streams
Build and maintain transaction-level unit economics (authorization yield, cost per transaction, gross margin by payment type, fraud losses, dispute/chargeback ratios)
Develop real‑time dashboards and analytics using transaction data, risk scoring outputs, and network performance metrics to drive decision-making
Partner with Product and Commercial teams to design pricing structures across channels and corridors
Lead margin optimization initiatives including interchange analysis, network optimization, and routing strategies such as least‑cost routing
Represent Finance in key cross-functional forums including Product Councils, Risk Committees, and Operational Reviews
Ensure alignment and execution across Finance, Product, Engineering, Operations, Risk, Sales, and Legal
Translate complex payments and financial data into clear insights for non-financial stakeholders
Lead and develop a high-performing finance team specializing in payments analytics, revenue operations, and P&L ownership
Build advanced capabilities in predictive analytics, automation, and data-driven decision-making
Foster a culture grounded in clarity, operational rigor, and strategic partnership
Collaborate closely with business and finance stakeholders to drive revenue and profitability growth
Ensure business leaders are equipped with accurate reporting and analytical support while upholding internal controls and compliance
Lead the regional finance function with a strong focus on operational excellence