Role Responsibilities:
Manager, Anti- Money Laundering (AML) and Compliance –Tokyo, Japan
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.
- You will be the point of contact with local regulators-FSA/KFB, MOF, including coordination for any regulatory on-site inspections, you need to ensure good communication with local regulatory authorities and monitor any updates, and monitor regulatory developments and interpret relevant laws, rules, and regulations related to AML, CTF, Proliferation Financing, and economic sanctions (including FEFTA), and assess their impact on Western Union Japan’s compliance framework.
- You will also be expected to coordinate and review reports related to Western Union Japan AML activities.
- Provide assistance to management in the development of overall department strategies, goals and initiatives. Helps manage anti-money laundering requirements for assigned agents and sub-agents. Manages AML compliance for moderately complex region and agents.
- May supervise staff and support senior management with reporting and regulatory relationships with regulatory agencies and agents.
- Provides 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.
- Supports agents/sub-agents' efforts to comply with company policies and procedures as they relate to anti-money laundering.
- Responsible for follow up with agents/sub-agents concerning review findings and communication of assessments to the appropriate internal management.
- In addition to standard program reviews, the Manager will be assigned program reviews that are moderately complex in nature.
- May work 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.
.
Role Requirements:
- Bachelor's degree preferred with English & Japanese (N1) language proficiency in both written (with Kanji characters) & good communication skills.
- To be successful in this role you have at least 5 years AML Compliance experience within Japanese regulated financial services, fintech, or payment industry and have an 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.
- You’ll be expected to have hands-on experience working with Japanese regulators, including regulatory examinations, inspections, and ongoing supervisory interactions covering AML/CFT, sanctions, and related compliance matters.
- You’ll also be expected to be able to express difficult issues in a straightforward and understandable manner, be analytically minded, and be comfortable in communicating and presenting to senior management.
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.
BENEFITS AND OTHER DETAILS
Benefits
You will also have access to multiple health insurance options, accident and life insurance, 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 interview process or in an offer of employment.
Your Japan specific benefits include:
- Cash Balance pension plan
- Transportation allowance
- Global Recognition and Rewards Programs
- Employee Wellness
- Hybrid Working Arrangement
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.
Role Responsibilities:
マネーロンダリング防止(AML)およびコンプライアンスマネージャー – 東京、日本
日本事業におけるマネーロンダリング防止（AML）およびコンプライアンスマネージャーとして、Western Union Japan K.K.（WUJKK）のAML／CFT／制裁対応体制の中核を担っていただきます。
日本およびグローバルで適用される法令・規制を踏まえ、社内および代理店（エージェント／サブエージェント）に対する管理・助言・モニタリングを通じて、実効性のあるコンプライアンス体制の維持・高度化を推進します。
マネーロンダリング防止（AML）、テロ資金供与対策（CTF）、拡散金融（PF）、経済制裁および輸出管理規制（外国為替及び外国貿易法（FEFTA）を含む）、ならびに関連する日本およびグローバルの規制要件について、社内関係者に対し専門的な助言・提言を行います。
主な業務内容
- 金融庁（FSA）／関東財務局（KFB）／財務省（MOF）等の日本の規制当局に対する主要な窓口としての対応
（立入検査・ヒアリング・照会対応等を含む当局対応全般の調整・統括） - AML／CFT／PF／経済制裁・輸出管理（FEFTAを含む）に関する法令・ガイドライン・当局動向を継続的に把握・分析し、
WUJKKのコンプライアンス体制への影響評価および必要な対応を主導 - WUJKKにおけるAML関連の当局提出資料、内部報告書等の作成、レビューおよび調整
- 部門戦略、目標および各種施策の策定におけるマネジメントへの支援
- 担当するエージェント／サブエージェントに対するAMLコンプライアンス管理およびプログラムレビューの実施
- エージェント／サブエージェントに対する、AML関連の社内方針・手続の遵守に関する助言・支援
- レビュー結果および指摘事項に関するフォローアップ、是正対応の進捗管理、関係部署への報告
- 標準的なレビューに加え、比較的高度・複雑なAMLプログラムレビューの担当
- AML上級管理職の指示・監督のもと、規制当局、金融情報機関、法執行機関との対応業務を担当
- 必要に応じて、スタッフの指導・育成および上級管理職向けのレポーティングを実施
応募要件（Role Requirements）
- 学士号相当の学歴
日本語（N1相当、漢字を含む）および英語での高い読み書き能力と業務上のコミュニケーション能力 - 日本の規制対象金融機関、フィンテック、資金移動業等における5年以上のAML／コンプライアンス実務経験
- AML／CFT、拡散金融、経済制裁・輸出管理（FEFTA等）を含む日本の規制環境に関する深い理解
- 日本におけるMLROまたは副MLROとしての実務経験があれば尚可
- 複数の金融商品・サービスを提供する組織、または規制当局・法律事務所等における、
決済・AML関連コンプライアンスの実務経験 - 日本の規制当局との直接的な実務対応経験
（立入検査、モニタリング、継続的な監督対応を含む） - 複雑な論点を整理し、平易かつ説得力をもって説明・報告できる能力
- 上級管理職に対する説明・報告・プレゼンテーションに抵抗がないこと
Work Shift
ウェスタンユニオンは、可能な限り対面でのコラボレーション、問題解決、そしてアイデア創出を重視しています。私たちは、これにより共通の働き方が育まれ、お客様のための取り組みを実行する上での支えになると考えています。そのため、最低でも週に3日はオフィスで勤務することが期待されています。
BENEFITS AND OTHER DETAILS
Benefits
複数の健康保険オプション、事故保険や生命保険、そして最先端の開発プラットフォームなども利用可能です(https://careers.westernunion.com/global-benefits/)。以下の勤務地特有の福利厚生をご参照ください。また、リクルーターは面接時や内定時に追加の役割特有の福利厚生を紹介する場合がありますのでご注意ください。
日本特有の特典には以下が含まれます:
私たちは多様性を歓迎します。私たちのコミットメントは、グローバルチームの独自の背景と視点を迎合しつつ、私たちがサービスを提供するコミュニティを反映した包括的な文化を提供することです。人種、肌の色、国籍、宗教、政治的立場、性別(妊娠を含む)、性的指向、性自認、年齢、障害、婚姻状況、退役軍人の有無などを理由に差別しません。当社は、採用プロセス中に障害者を含む応募者に対し、適用法に従い配慮を提供します。
#LI-Hybrid #LI-HR1
Estimated Job Posting End Date:
06-05-2026
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.
