The Western Union Company (WU)

Money transfer, 200 countries, 17% U.S. Read October 19, 2026 from the annual report for the period ending December 31, 2025, filed February 20, 2026. Ranked 20 of the 88 Financial Services companies read so far, by the share within reach now.

Western Union states approximately 9,600 employees at December 31, 2025, about 1,600 of them in the United States, running consumer money transfer and payment services in more than 200 countries and territories with no count by kind of work, so one pattern takes the whole workforce at the credit group that holds money transfer and payment processing by description (c).

The figures on this page come from the company's own annual report and from BLS staffing patterns for its industries, never from a roster. They are estimates with a stated method. Nothing here says what the company will do: within reach is not a forecast of jobs lost or of savings.

What follows from the reading

Share of working time within reach of AI, on the long-run pace at four in five: 40% now, 58% at the end of 2027, 66% at the end of 2028, 68% at the end of 2030. By the patterns, the work is about 68% desk work, 23% people work and 9% body work. These are the site's industry estimates weighted by the shares below: estimates with a stated method and range, not a forecast of what the company will do. By the same patterns, at the end of 2028 about 32% of the working time stays with people (conversation, in-person and hands-on work), 60% becomes checking a model's work and 6% could be handed over with lighter checks, from the industries' own figures, not the company's roles.

Headcount

9,600 employees as of December 31, 2025 (stated). The filing states approximately 1,600 of 9,600 employees located inside the United States (17%).

The filing: “Human Capital Management Our People As of December 31, 2025, our businesses employed approximately 9,600 individuals, of which approximately 1,600 employees are located inside the United States.”

The workforce as industry patterns

What the filing says about the workforce: Approximately 9,600 employees, 1,600 in the United States; skills in technology, cloud, data architecture, cybersecurity and payment systems named; no union share is stated.

Companies read with the same leading pattern

Other companies whose largest staffing pattern is also Credit Intermediation and Related Activities (5221 and 5223 only), largest first, each read from its own annual report. Within reach now and at the end of 2028, long-run pace, four in five.

• JPMorgan Chase (JPM, 318,512 employees)37% now, 68% by 2028
• Citigroup (C, 226,000 employees)38% now, 68% by 2028
• Bank of America (BAC, 213,000 employees)39% now, 67% by 2028
• Wells Fargo (WFC, 205,000 employees)39% now, 67% by 2028
• Capital One Financial Corporation (COF, 76,300 employees)40% now, 66% by 2028
• U.S. Bancorp (USB, 68,520 employees)40% now, 66% by 2028
• The PNC Financial Services Group, Inc. (PNC, 55,333 employees)40% now, 66% by 2028
• Mastercard Incorporated (MA, 39,800 employees)40% now, 66% by 2028

What the filing says about AI

9 sentences in the filing name AI. The filing names AI and machine learning among the technology advances it responds to, AI-enabled fraud as outpacing its detection, and its growing reliance on AI for transaction monitoring, fraud detection and identity verification.

• “We actively seek to respond in a timely manner to changes in customer (both consumer and business) and agent needs and preferences, technology advances, such as artificial intelligence ("AI") and machine learning, and new and enhanced products and services such as technology-based money transfer and payment services, including internet, digital wallet, other mobile money transfer services, and...”
• “Additionally, advances in AI and machine learning may enable increasingly sophisticated, automated, and difficult-to-detect fraudulent activity, which could outpace our fraud prevention and detection capabilities and increase fraud losses.”
• “If our third-party vendors were unwilling or unable to provide us with these services in the future, due to system outages, labor shortages, price or other contract disputes, or otherwise, our business and operations could be adversely affected. 25 Table of Contents Our growing reliance on artificial intelligence for transaction monitoring, fraud detection, and identity verification exposes us...”
• “The expanding application of AI, machine learning, and large language models to automate and optimize our operations-including AML/CFT (Anti-Money Laundering and Counter-Financing of Terrorism, together "AML") and KYC screening-introduces additional risks.”
• “For example, the use of AI in detecting "suspicious activity" attracts significant attention and scrutiny from global financial regulators.”

Its annual reports, year by year

Sentences naming AI in each annual report, counted by one rule, beside the median report in the Index that year. Each count links its filing. Every company, by year and sector

• Fiscal 20211median 0
• Fiscal 20221median 0
• Fiscal 20231median 1
• Fiscal 20241median 4
• Fiscal 20259median 10

Headcount by filing year

As reported in each year's annual report, with the filing. A year marked not read had no figure the reading could take from the report's text.

Limits of this reading

• No count by kind of work: the one pattern is by description (c); the agents who serve customers are not employees (rule 8).

Source: the company's annual report on EDGAR, accession 0001193125-26-061340, the filing. Read by Claude Fable 5.1 under rubric version 1, by the method. A company can write to info@stratussc.com to have its reading checked against its filing.