Director, Operating Risk and Control - US Consumer Services

The Consumer Services Operating Risk & Controls Lead will serve as the first line of defense for a portfolio of consumer products, including Retail Money Order, Prepaid Debit Cards, C2B Payments, and B2C money transfer-with a primary focus on Prepaid Debit Cards. This role will partner closely with product owners, legal, compliance, risk, cybersecurity, and sponsor bank partners to design and oversee systems, processes, and controls that ensure regulatory compliance and operational integrity across card issuing and payments.

Role Responsibilities :

Act as a liaison between internal teams (Compliance, Legal, Privacy, Cybersecurity, Risk) and external banking partners.

Coordinate regular meetings with external bank partners to ensure alignment and compliance.

Review and improve customer-facing content and processes in collaboration with cross-functional teams.

Ensure compliance with laws, regulations, and internal policies across product development, marketing, and customer support.

Develop and execute risk and compliance strategies aligned with business goals and regulatory requirements.

Support adherence to financial regulations including BSA / AML, KYC, Reg E, data privacy, and card issuing best practices.

Design policies and controls with legal and compliance teams to ensure regulatory compliance across operations.

Monitor compliance controls and key risk indicators, identifying weaknesses and recommending solutions.

Lead root cause analysis and resolution of issues, coordinating action plans across teams.

Manage internal audits and controls testing to assess effectiveness and ensure controls operate as intended.

Resolve findings from internal teams, regulators, or banking partners through timely corrective actions.

Maintain thorough documentation of risk strategies, controls, and evidence for identified issues and actions.

Oversee development of policies related to financial crimes, fraud prevention, and customer data protection.

Stay informed of emerging industry and regulatory trends in card issuing and payments, implementing proactive risk mitigation strategies.

Role Responsibilities :

10+ years of experiencein risk management, compliance, or operational controls within financial services, preferably in consumer payments or card issuing.

Strong knowledge of regulatory frameworksincluding BSA / AML, KYC, GLBA, CFPB, and data privacy laws.

Experience working with BIN sponsorship banks, card networks and navigating third-party risk and compliance requirements.

Proven ability to lead cross-functional teamsand manage complex stakeholder relationships.

Expertise in designing and implementing controlsfor consumer financial products and services.

Strong analytical and problem-solving skills, including root cause analysis and remediation planning.

Experience with internal audits, business control strategies, controls testing, and regulatory examinations.

Excellent communication and documentation skills, with the ability to translate regulatory requirements into operational processes.

Ability to stay current on industry trends, regulatory changes, and emerging risks in payments and card issuing.

Bachelor's degree required; advanced degree or certifications (e.g., CRCM, CAMS, CISA) preferred.

We make financial services accessible to humans everywhere. Join us for what's next.

Western Union is positioned to become the world's most accessible financial services company -transforming lives and communities. We're a diverse and passionate customer-centric team of over 8,000 employees serving 200 countries and territories, reaching customers and receivers around the globe. More than moving money, we design easy-to-use products and services for our digital and physical financial ecosystem that help our customers move forward.

Just as we help our global customers prosper, we support our employees in achieving their professional aspirations. You'll have plenty of opportunities to learn new skills and build a career, as well as receive a great compensation package. If you're ready to help drive the future of financial services, it's time for Western Union. Learn more about our purpose and people at https : / / careers.westernunion.com / .

Salary

The base salary range is $175,000 - $200,000 USD per year, total on target compensation includes a base salary plus a variable target incentive that aligns with individual and company performance.

Benefits

You will also have access to short-term incentives, multiple health insurance options, accident and lifeinsurance, and access to best-in-class development platforms, to name a few ( https : / / careers.westernunion.com / global-benefits / ). Please see the location-specific benefits below and note that your Recruiter may share additional role-specific benefits during your interviewprocess or in an offer of employment.

Your United States - specific benefits include :

Family First Program

Flexible Time off

Medical, Dental and Life Insurance

Tuition Assistance Program

Parental Leave

Western Union values in-person collaboration, learning, and ideation whenever possible. We believe this creates value through common ways of working and supports the execution of enterprise objectives which will ultimately help us achieve our strategic goals. By connecting face-to-face, we are better able to learn from our peers, problem-solve together, and innovate.

Our Hybrid Work Model categorizes each role into one of three categories. Western Union has determined the category of this role to be Hybrid. This is defined as a flexible working arrangement that enables employees to divide their time between working from home and working from an office location. The expectation is to work from the office a minimum of three days a week.

For residents of Colorado, California, Connecticut, Delaware, Minnesota, and Pennsylvania : Please do not respond to any questions on this initial application that may seek age-identifying information such as age, date of birth, or dates of school attendance or graduation. You may also redact this information from any materials you submit during the application process. You will not be penalized for redacting or removing this information.

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, 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.

#LI-AM3

Estimated Job Posting End Date :

10-31-2025

This application window is a good-faith estimate of the time that this posting will remain open. This posting will be promptly updated if the deadline is extended or the role is filled.