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About the Role

As the Manager AML - Anti Money Laundering for our Japan business, you will play a critical role in the functioning of our AML Compliance department globally to ensure that we adhere to all applicable laws and regulations. You’ll evaluate controls both internally and with our agent partners through analysis and support our partners in delivering our compliance programs.

Responsibilities

• Providing recommendations to internal stakeholders in relation to regulatory and internal policy requirements on Anti-Money Laundering (AML), Counter-Terrorist Financing (CTF), Proliferation Financing (PF), economic sanctions and export control regulations (including Japan’s Foreign Exchange and Foreign Trade Act), as well as applicable global and Japan regulatory requirements.
• Acting as the point of contact with local regulators-FSA/KFB, MOF, including coordination for any regulatory on-site inspections.
• Ensuring good communication with local regulatory authorities and monitoring any updates.
• Monitoring regulatory developments and interpreting relevant laws, rules, and regulations related to AML, CTF, Proliferation Financing, and economic sanctions (including FEFTA), and assessing their impact on Western Union Japan’s compliance framework.
• Coordinating and reviewing reports related to Western Union Japan AML activities.
• Providing assistance to management in the development of overall department strategies, goals and initiatives.
• Managing anti-money laundering requirements for assigned agents and sub-agents.
• Managing AML compliance for moderately complex region and agents.
• Supervising staff and supporting senior management with reporting and regulatory relationships with regulatory agencies and agents.
• Providing AML Compliance support to agents and sub-agents of Western Union and affiliates to help build programs that are in compliance with anti-money laundering laws as they apply to Money Services Businesses.
• Supporting agents/sub-agents' efforts to comply with company policies and procedures as they relate to anti-money laundering.
• Following up with agents/sub-agents concerning review findings and communication of assessments to the appropriate internal management.
• Performing program reviews that are moderately complex in nature.
• Working with regulatory authorities, financial intelligence units, and law enforcement on matters related to AML, CTF, proliferation financing, and sanctions compliance under general supervision of AML Senior Management.

Requirements

• Bachelor's degree preferred.
• English & Japanese (N1) language proficiency in both written (with Kanji characters) & good communication skills.
• At least 5 years AML Compliance experience within Japanese regulated financial services, fintech, or payment industry.
• In-depth understanding of the Japanese regulatory landscape, including AML/CFT regulations, proliferation financing requirements, and economic sanctions and export control regulations (e.g., FEFTA).
• Previous experience as an MLRO or deputy MLRO within the financial services, fintech or payment industry in Japan is preferred.
• Relevant experience in complex retail/consumer financial services/payment services organizations with multiple financial products, or a regulatory agency or law firm involving payment services compliance issues relating to anti-money.
• Hands-on experience working with Japanese regulators, including regulatory examinations, inspections, and ongoing supervisory interactions covering AML/CFT, sanctions, and related compliance matters.
• Ability to express difficult issues in a straightforward and understandable manner.
• Analytically minded.
• Comfortable in communicating and presenting to senior management.

Skills

• AML
• Compliance
• Anti-Money Laundering
• Counter-Terrorist Financing (CTF)
• Proliferation Financing (PF)
• Economic sanctions
• Export control regulations
• Foreign Exchange and Foreign Trade Act (FEFTA)
• Regulatory reporting
• Risk assessment
• Communication
• Presentation skills
• Analytical skills

Location

• Tokyo, Japan

Work Type

• Hybrid Working Arrangement
• Minimum of three days a week in the office

Experience Level

• Manager
• 5+ years AML Compliance experience

Education Level

• Bachelor's degree preferred

Benefits

• Multiple health insurance options
• Accident and life insurance
• Access to best-in-class development platforms
• Cash Balance pension plan
• Transportation allowance
• Global Recognition and Rewards Programs
• Employee Wellness

About the Company

• Western Union values in-person collaboration, problem solving, and ideation whenever possible.
• We are passionate about diversity.
• Our commitment is to provide an inclusive culture that celebrates the unique backgrounds and perspectives of our global teams while reflecting the communities we serve.
• We do not discriminate based on race, colour, national origin, religion, political affiliation, sex (including pregnancy), sexual orientation, gender identity, age, disability, marital status, or veteran status.
• The company will provide accommodation to applicants, including those with disabilities, during the recruitment process, following applicable laws.
• At Western Union, we’re more than a trusted name in global payments. We’re moving beyond remittances, beyond cash, and beyond the expectations of our customers.
• Our talented teams enable us to transform into a digital-first company, built on the strength of our retail foundation and powered by next-generation payments.
• All this with the goal of helping people prosper.
• Our customers inspire us to push boundaries and create services that make life easier and communities stronger.
• Wherever you are in the world, we’re committed to shaping the next generation of financial experiences.
• Join us as we go beyond and be part of a team that’s redefining what’s possible.

Equal Opportunity

• We do not discriminate based on race, colour, national origin, religion, political affiliation, sex (including pregnancy), sexual orientation, gender identity, age, disability, marital status, or veteran status.
• The company will provide accommodation to applicants, including those with disabilities, during the recruitment process, following applicable laws.