Director, Risk Product & Platform

Are you ready to drive innovation in digital payments and shape the future of how people move money globally? Are you ready to unleash your potential in a business that is committed to moving money for better? Are you interested in joining a globally diverse organization where your unique contributions are recognized and celebrated, allowing you to thrive? Then it's time to join Western Union as a Director, Product - Payments Innovation.

Western Union powers your pursuit.
In this role, you will play a pivotal part in transforming Western Union's digital payments landscape. By leading adoption of risk strategies across payment channels, optimizing user experiences, and integrating advanced analytics, you will deliver world-class solutions that enhance speed, security, trust, convenience, and accessibility for customers worldwide. You will collaborate with cross-functional teams to develop new product risk strategies and roadmaps that align with Western Union's digital transformation goals, ensuring compliance and fostering market expansion.

Role Responsibilities

• Digital Payments Risk: Design, develop, and implement innovative risk solutions, across digital wallets and real-time payments, to meet evolving customer needs.
• Customer-Centric Design: Map customer journeys to identify risk pain points and optimize user experiences across digital platforms. Lead the creation of intuitive, consistent omnichannel payment experiences.
• Data Integration and Personalization: Leverage behavioral analytics to understand customer preferences, payment habits, and associated risks, enabling personalized solutions.
• Compliance-Embedded Development: Ensure new payment products are developed with embedded risk and compliance controls to mitigate fraud and adhere to regulatory standards.
• Product Strategy and Market Expansion: Conduct competitive analyses to stay ahead of market trends, align product roadmaps with strategic risk objectives, and support geographic market expansions by addressing local regulatory and customer needs.
• Agile Development Leadership: Drive rapid prototyping, iterative product enhancements, and continuous improvements to meet emerging customer and market demands.

Role Requirements

• Experience and Expertise:
  
  
  
  • 10+ years of experience in digital payments, risk product, or a related field.
  • 5+ years of leading teams with people managers.
  • Proven expertise embedding risk strategies in new payment channels, such as digital wallets and real-time payments.
  • Demonstrated ability to enhance user experiences by reducing friction through customer journey mapping and data-driven insights.
  • Comprehensive knowledge of regulatory requirements and experience embedding compliance into product design.
  
  
  
  
• Strategic and Leadership Skills:
  
  
  
  • Adept at creating and executing product risk strategies aligned with organizational goals.
  • Skilled in conducting competitive analyses and identifying market opportunities for innovation in risk prevention.
  • Proven success in leading cross-functional teams to deliver customer-centric solutions.
  
  
  
  
• Technical and Operational Skills:
  
  
  
  • Proficiency in agile methodologies, rapid prototyping, and continuous product improvement.
  • Experience delivering seamless omnichannel user experiences by integrating advanced data and technologies.
  
  
  
  
• Personal Attributes:
  
  
  
  • Customer-focused mindset with a passion for improving accessibility, speed, security and convenience in payments.
  • Strong analytical, problem-solving, and decision-making skills, with a focus on achieving measurable business outcomes.
  • Excellent collaboration and communication skills, with the ability to influence stakeholders at all levels.
  
  
  
  

Western Union - A Place Where You Can Thrive

Western Union is undergoing a transformation, becoming a customer-centric organization driven by enhanced digital capabilities. Join us in shaping the future of payments innovation as we empower individuals and businesses to move money with speed, security, and trust.

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

Western Union is positioned to become the world's most accessible financial services company transforming lives and communities. We are 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 will have plenty of opportunities to learn new skills and build a career, as well as receive a great compensation package. If you are ready to help drive the future of financial services, it is time for Western Union. Learn more about our purpose and people at https://careers.westernunion.com/.

Salary

The base salary range is $170,000-$200,000 USD per year, total on target compensation includes a base salary plus long-term and short-term incentives that align 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.

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.

Estimated Job Posting End Date:

03-31-2025

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.