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About the Role

Lead the end-to-end uplift of AML/CTF capabilities across affiliate entities, aligning practices with enterprise standards and regulatory expectations. Act as the subject matter expert for financial crime initiatives impacting the retail affiliate network, ensuring AML/CTF frameworks are regulatory aligned, operationally effective, and sustainable.

Responsibilities

• Lead the rollout and implementation of the AML/CTF program across the retail affiliate network, translating policy updates into operational procedures, controls, and business processes.
• Ensure consistent adoption and embedding of program requirements across all affiliates and internal teams.
• Redesign and optimize ongoing and enhanced due diligence processes; identify and address inefficiencies, control gaps and compliance risks.
• Develop and implement due diligence frameworks for affiliate personnel and establish screening, onboarding and ongoing monitoring requirements.
• Support the design and implementation of affiliate risk assessment frameworks.
• Act as the accountable change lead for the affiliate AML/CTF Program, owning scope, roadmap, milestones, dependencies and delivery artefacts.
• Translate regulatory and risk requirements into clear, executable changes across people, process, governance and technology.
• Support cross‑functional delivery across local, regional and global compliance, risk, operations, technology, data and business teams.
• Lead the rollout and embedding of AML/CTF Program across the retail affiliate network.
• Ensure alignment between Group policy and affiliate-level execution, identifying and managing any deviations or risks.
• Ensure the uplifted affiliate ML/TF risk assessment is fully documented, auditable and defensible in regulatory reviews and independent evaluations.
• Support the local, regional and global compliance teams in their response to findings, issues or recommendations relating to Affiliate ML/TF risk assessment design and implementation.
• Establish and maintain robust governance structures for change initiatives.
• Prepare high-quality reporting for executive stakeholders and risk committees.
• Track progress, risks, issues, and dependencies across affiliate programs and ensure adherence to internal risk frameworks, audit requirements, and regulatory expectations.
• Develop and deliver AML/CTF training programs tailored to affiliate teams, including frontline, operations, and compliance staff.
• Support capability uplifts through coaching, workshops, and knowledge transfer.
• Embed sustainable training frameworks for ongoing compliance.

Requirements

• Bachelor’s or master’s Degree preferred.
• At least 7+ years of experience in AML/CTF compliance.
• Experience working in a regulatory setting will be highly desirable.
• Leadership experience delivering complex regulatory or financial crime change programs within a financial institution.
• Deep practical knowledge of AML/CTF processes, particularly CDD/OCDD/ECDD, personnel diligence and risk assessment methodologies.
• Practical experience in a similar industry would be highly desirable.
• Strong governance, stakeholder management and executive communication capability.
• Experience delivering ML/TF risk assessment uplifts in response to regulatory reform, enforcement action or supervisory remediation.

Skills

• AML/CTF
• Risk Management
• Change Management
• Stakeholder Management
• Executive Communication
• CDD/OCDD/ECDD
• Personnel Diligence
• Risk Assessment Methodologies

Location

• Sydney, Australia

Work Type

• Full-time
• Fixed Term (12-month period)
• Hybrid

Experience Level

• Senior Manager
• 7+ years of experience

Education Level

• Bachelor’s or master’s Degree preferred
• Professional certifications in AML/CTF or risk management (e.g. CAMS or equivalent) highly desirable

Benefits

• Short-term incentives
• Accident and life insurance
• Access to best-in-class development platforms
• Life / Accident Coverage
• Superannuation Plan
• Paid Time Offs
• Employee Wellness
• Global Recognition and Rewards Programs

About the Company

• Western Union is 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. Our customers inspire us to push boundaries and create services that make life easier and communities stronger. We are committed to shaping the next generation of financial experiences.

Equal Opportunity

• We are passionate about honoring our employee's identity and fostering a feeling of belonging. 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, color, 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.