Fraud Analyst - Atlanta, GA (Hybrid)

Western Union•Atlanta, GA

1d•Hybrid

About The Position

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. The 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. The analyst investigates agents, agent owners, and agent networks for potential fraud, agent complicity, training deficiencies, and other compliance or financial crime risks. The role analyzes transaction activity, customer information, agent behavior, and investigative findings to identify unusual patterns or suspicious activity. It performs risk-based reviews using internal systems, data sources, and investigative tools, documents findings and recommendations, and assesses risks to recommend mitigation actions. The analyst also supports regulatory and settlement-related monitoring, collaborates across functions, identifies emerging trends, and contributes to improvements in monitoring, investigation, and risk management processes. This is a hybrid position based at 5 Concourse Pkwy NE, Suite 2300, Atlanta, GA 30328, with an expectation to work from the office at least three days per week. Applicants must be authorized to work in the United States on a full-time basis; Western Union will not sponsor work visas for this position.

Requirements

At least 2 years of experience conducting fraud investigations, AML, financial crimes compliance, 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.
Currently authorized to work in the United States on a full-time basis; work visa sponsorship is not available.

Nice To Haves

Experience supporting agent, merchant, correspondent, or third-party monitoring and investigation programs.
Experience investigating agents, merchants, money services businesses (MSBs), or other third-party partner networks.
Experience investigating 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 in 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 CAMS, CFE, or related compliance certifications.
Experience supporting global or cross-border financial services operations.

Responsibilities

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.
Analyze transaction activity, customer information, agent behavior, and investigative findings to identify unusual patterns, trends, and potential money laundering, terrorist financing, sanctions violations, fraud, or other suspicious activity.
Perform risk-based reviews using internal systems, data sources, and investigative tools to evaluate potential financial crime and regulatory risks.
Document investigative findings, conclusions, and recommendations in accordance with internal policies, procedures, and regulatory requirements.
Assess potential risks and recommend mitigation actions, including escalation, remediation, monitoring enhancements, restrictions, or corrective actions.
Support regulatory and settlement-related requirements by ensuring monitoring activities, investigations, escalations, and remediation efforts are completed accurately and within established timeframes.
Collaborate with Compliance, Fraud, Financial Crimes, Operations, Legal, and other cross-functional stakeholders to gather information, evaluate risk, and support business decision-making.
Identify emerging fraud and financial crime trends and provide insights to strengthen risk controls, agent oversight, and investigative processes.
Recommend enhancements to monitoring, investigation, and risk management processes.