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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. 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.

Responsibilities

Act as the primary point of contact with Japanese regulators (FSA/KFB/MOF), including coordination for on-site inspections, hearings, and inquiries.
Continuously monitor and analyze laws, guidelines, and regulatory trends related to AML/CFT/PF/economic sanctions/export control (including FEFTA), assess their impact on WUJKK's compliance framework, and lead necessary actions.
Coordinate and review reports related to WUJKK's AML activities, including regulatory submissions and internal reports.
Support management in the development of department strategies, goals, and initiatives.
Conduct AML compliance management and program reviews for assigned agents and sub-agents.
Provide advice and support to agents and sub-agents on compliance with AML-related internal policies and procedures.
Manage follow-up on review findings and指摘事項, track the progress of corrective actions, and report to relevant departments.
Handle moderately complex AML program reviews in addition to standard reviews.
Manage regulatory authorities, financial intelligence units, and law enforcement agencies under the direction of AML senior management.
Provide guidance and training to staff and report to senior management as needed.

Requirements

Bachelor's degree preferred.
High written and verbal communication skills in both Japanese (N1 equivalent, including Kanji) and English.
Over 5 years of AML/Compliance practical experience in Japanese regulated financial institutions, fintech, or money transfer businesses.
In-depth understanding of the Japanese regulatory environment, including AML/CFT, proliferation financing, economic sanctions, and export control regulations (e.g., FEFTA).
Previous experience as an MLRO or deputy MLRO in Japan's financial services, fintech, or payment industry is preferred.
Practical experience in compliance related to payment services within organizations offering multiple financial products/services, or with regulatory authorities/law firms.
Hands-on experience working directly with Japanese regulators, including regulatory examinations, inspections, and ongoing supervisory interactions.
Ability to organize complex issues and explain/report them in a clear and persuasive manner.
Comfortable explaining and presenting to senior management.

Skills

AML
CFT
PF
Economic Sanctions
Export Control
FEFTA
Compliance Management
Regulatory Reporting
Risk Assessment
Communication
Presentation

Location

Tokyo, Japan

Work Type

Hybrid Working Arrangement
Hybrid

Experience Level

5+ years

Education Level

Bachelor's degree

Benefits

Multiple health insurance options
Accident insurance
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 believe this fosters common ways of working and supports how we execute initiatives for our customers.
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. 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 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.