Financial Intelligence Unit (FIU) Investigator – Philippines

Position Summary

The Financial Intelligence Unit (FIU) Investigator is a key member of the Global Compliance organization, responsible for protecting the company from money laundering, terrorist financing, fraud, and other financial crime risks. This role conducts complex investigations involving consumers identified through monitoring systems, internal referrals, or external sources.

The Investigator applies advanced analytical and investigative techniques to identify suspicious activity, assess risk exposure, and recommend appropriate mitigation measures. This position requires the ability to independently evaluate complex financial activity, document findings, support regulatory reporting obligations, and collaborate with stakeholders across multiple jurisdictions. Successful candidates must demonstrate strong investigative skills, sound judgment, exceptional attention to detail, and the ability to communicate complex findings clearly and effectively in a global and highly regulated environment.

Role Responsibilities:

• Conduct complex investigations involving high-risk consumers.

• Analyze transactional behavior, customer information, and investigative findings to identify potential money laundering, terrorist financing, fraud, sanctions, or other financial crime risks.

• Evaluate referrals and escalations from internal business partners, monitoring systems, and external sources.

• Apply independent judgment to determine whether activity warrants further investigation, enhanced due diligence, regulatory reporting, or other risk mitigation actions.

• Recognize emerging financial crime trends, typologies, and risk indicators and apply appropriate investigative methodologies.

• Prepare comprehensive investigative case documentation that accurately reflects findings, conclusions, and recommended actions.

• Draft high-quality Suspicious Activity Reports (SARs) and other regulatory filings in accordance with applicable legal and regulatory requirements.

• Conduct enhanced due diligence reviews and risk assessments for consumers

• Recommend risk-based actions designed to protect the organization from financial crime exposure. Utilize internal systems, external intelligence sources, and public record databases to support investigations.

• Conduct open-source research using tools such as World-Check, LexisNexis, and other intelligence platforms.

• Identify and communicate key risk themes, patterns, and emerging threats to management and business stakeholders.

• Communicate investigative findings and recommendations to management and business partners in a clear and concise manner.

• Operate effectively in a global environment while maintaining awareness of varying legal, regulatory, and cultural considerations.

• Provide guidance, mentoring, and subject matter expertise to colleagues when appropriate. Support departmental initiatives, special projects, and process improvement efforts.

• Assist in identifying opportunities to enhance investigative methodologies, controls, and reporting processes.

• Contribute to weekly case updates, monthly reporting, and periodic intelligence briefings for leadership.

Role Requirements:

• Equivalent professional experience in financial services, compliance, investigations, or regulatory enforcement may be considered in lieu of formal education.

• Minimum of 2 years of experience in compliance, financial crimes investigations, anti-money laundering (AML), fraud prevention, risk management, regulatory compliance, law enforcement, or related disciplines.

• Bachelor’s degree in Criminal Justice, Finance, Accounting, Business, Compliance, Risk Management, or a related field preferred.

• Experience within financial services, payments, money transmission, banking, fintech, or regulatory environments preferred.

• Demonstrated experience investigating complex financial crime matters and making risk-based decisions.

• Understanding of AML, BSA, sanctions, counter-terrorist financing, fraud, and related regulatory requirements.

• Knowledge of financial crime typologies, investigative techniques, and risk management principles.

• Analytical and critical-thinking skills with the ability to evaluate complex information and identify risk indicators.

• Strong written and verbal communication skills with the ability to prepare professional investigative reports and regulatory filings.

• Advanced proficiency with Microsoft Office applications, including Excel, Word, and PowerPoint.

• Ability to effectively manage multiple priorities in a fast-paced, deadline-driven environment.

• Strong organizational skills, attention to detail, and commitment to accuracy.

• Ability to maintain confidentiality and exercise sound judgment when handling sensitive information.

• Experience working independently while also contributing effectively within a team environment.

Work Shift

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.