LOCATION: JP – Minato-ku
TYPE: Full time
WORK SHIFT: Hybrid
POSTED: July 30, 2026
ID: JR0131423
Overview
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.
Analyst, Regulatory Compliance Operations, Tokyo, Japan
Role Responsibilities
This position is responsible for supporting Western Union Japan KK's (WUJKK) regulatory compliance framework and ensuring adherence to applicable regulatory requirements, licensing obligations, and reporting requirements established by the Japan Financial Services Agency (JFSA), Kanto Local Finance Bureau (KFB), Japan Ministry of Finance (JMOF), Japan Financial Intelligence Center (JAFIC), and other relevant regulatory, supervisory, governmental, and quasi-regulatory bodies.
The incumbent is responsible for coordinating regulatory submissions, maintaining regulatory reporting schedules, supporting regulatory examinations and inspections, monitoring regulatory developments, and assisting with compliance risk assessments. The role works closely with Compliance, Legal, Risk, Operations, Finance, and Business teams to ensure timely fulfillment of regulatory obligations and effective implementation of regulatory requirements across WUJKK.
This position reports to the AML Compliance Manager and MLRO for WUJKK.
Regulatory Reporting & Submissions
Prepare, coordinate, and track regulatory reports, notifications, periodic returns, and other submissions required by the JFSA, KFB/KLFB, JMOF, and other relevant authorities.
Ensure regulatory filings are completed accurately, timely, and in accordance with applicable regulatory requirements.
Maintain regulatory reporting calendars and monitor reporting deadlines.
Support the collection, validation, and reconciliation of data used in regulatory reporting.
Maintain records of regulatory submissions, correspondence, and supporting documentation.
Regulatory Compliance Monitoring
Monitor applicable laws, regulations, regulatory guidance, and supervisory expectations impacting WUJKK.
Conduct regulatory impact assessments and support implementation of regulatory changes.
Assist in maintaining and updating compliance policies, procedures, and controls to reflect evolving regulatory requirements.
Perform compliance reviews and monitoring activities to identify potential regulatory compliance issues.
Escalate identified compliance risks and support remediation efforts.
Regulatory Engagement & Examinations
Support regulatory inspections, examinations, audits, and supervisory reviews conducted by Japanese regulators.
Coordinate requests for information from regulators and assist in preparing responses and supporting documentation.
Maintain logs of regulatory inquiries, findings, commitments, and remediation activities.
Track progress of corrective actions resulting from regulatory examinations and internal reviews.
Compliance Risk Management
Assist in conducting compliance risk assessments and control effectiveness reviews.
Support ongoing compliance oversight activities relating to licensing obligations, consumer protection requirements, outsourcing arrangements, and operational compliance matters.
Identify potential regulatory risks and recommend appropriate mitigation measures.
Prepare compliance reports, dashboards, and management information for internal stakeholders.
AML & Financial Crime Compliance Support
Support compliance activities relating to AML/CTF, sanctions, fraud prevention, and financial crime regulatory requirements.
Assist in the preparation of regulatory reporting related to AML and financial crime obligations.
Support reviews of compliance processes to ensure alignment with Japanese regulatory expectations.
Coordinate with internal stakeholders on regulatory requirements relating to customer due diligence, transaction monitoring, recordkeeping, and suspicious transaction reporting.
Training & Awareness
Assist in developing and delivering regulatory compliance awareness materials and training programs.
Support business units by providing guidance on regulatory requirements and compliance procedures.
Promote a culture of compliance and regulatory awareness across the organization.
Role Requirements
Education & Experience
Bachelor's degree in Business, Finance, Law, Accounting, Compliance, Risk Management, or a related field preferred.
2–5 years of experience in compliance, regulatory reporting, risk management, audit, legal, financial crime compliance, or financial services operations.
Experience within payments, banking, fintech, money services businesses, or other regulated financial institutions preferred.
Experience supporting regulatory reporting, regulatory examinations, or regulatory compliance activities is highly desirable.
Knowledge & Skills
Intermediate to advance understanding of Japanese financial services regulations and regulatory frameworks.
Knowledge of compliance risk management, regulatory reporting, AML/CTF, and financial crime compliance principles.
Strong analytical and problem-solving skills with attention to detail.
Ability to interpret regulatory requirements and apply them to operational processes.
Strong organizational skills with the ability to manage multiple priorities and deadlines.
Excellent written and verbal communication skills.
Proficiency in Microsoft Office applications, particularly Excel, Word, and PowerPoint.
Language Requirements
Fluent written and spoken English.
Strong Japanese language proficiency preferred, particularly for reviewing regulatory communications and interacting with local stakeholders.
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.
#LI-HR1 #LI-hybrid
Estimated Job Posting End Date:
08-31-2026
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.
