Financial Services
The Western Union Company (WU)
Data as of July 17, 2026
Environment story
Western Union discloses minimal environmental data. No Scope 1, 2, or 3 emissions reported in available filings. No net-zero target or renewable energy commitments identified. The 10-K references climate change only as a physical-risk factor (weather events, natural disasters) affecting business continuity, not as an operational decarbonization issue. No carbon-reduction initiatives, renewable energy procurement, or green infrastructure investments are documented. The company's global money-transfer and digital-payment operations imply material indirect emissions (agent locations, data centers, telecommunications), yet no baseline, trajectory, or mitigation strategy is disclosed. Absence of verified sustainability reporting or climate targets results in substantial deductions.
Criticisms on file
No material criticisms on file for this pillar.
Disclosed initiatives
No disclosed initiatives on file for this pillar.
Social story
Western Union's 10-K provides no disclosed diversity metrics, CEO-to-worker pay ratio, or turnover data. No union standing, labor relations history, or supply-chain human-rights audit results are reported. The company identifies migration-dependent consumer populations ('migrants…entitled to protection') and acknowledges regulatory consumer-protection risks but does not disclose workforce composition, gender/racial pay equity, or formal DEI programs. No mention of supply-chain audits, conflict minerals policies, or living-wage commitments. The absence of disclosed social metrics and proactive programs, combined with acknowledgment of vulnerable consumer populations without matching worker/supply-chain protections, indicates incomplete social governance.
Criticisms on file
No material criticisms on file for this pillar.
Disclosed initiatives
No disclosed initiatives on file for this pillar.
Governance story
Western Union's 10-K does not disclose board independence percentage, share-class structure, or annual lobbying expenditure. The company faces active regulatory and litigation risks including multiple consent orders and settlement agreements tied to compliance failures (anti-money laundering, consumer protection), ongoing CFPB oversight as a 'larger participant,' and geographic targeting orders by FinCEN. The firm reports substantive exposure to antitrust scrutiny regarding exclusive agent agreements, with multiple jurisdictions restricting such arrangements. No disclosure of PAC contributions, political-engagement strategy, or governance committee composition. The absence of board-independence metrics, combined with documented regulatory enforcement history and unresolved antitrust/compliance proceedings, indicates governance deficits.
Criticisms on file
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Consent orders and settlement agreements requiring compliance-program changes with documented adverse effects on businessSource: WU 10-K Item 1A Risk Factors: 'The changes in our compliance program required by the consent orders and settlement agreements to which we are party have had, and may continue to have, adverse effects on our business.'
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CFPB examination authority and use of examination data as basis for enforcement actions resulting in monetary penaltiesSource: WU 10-K Item 1A Risk Factors: 'The CFPB has used information gained in examinations as the basis for enforcement actions resulting in settlements involving monetary penalties and other remedies.'
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FinCEN geographic targeting orders (2025) requiring enhanced customer information collection and reporting in specified U.S. counties/zip codesSource: WU 10-K Item 1A Risk Factors: 'in 2025, FinCEN issued geographic targeting orders that require money service businesses like Western Union to collect additional customer information, verify the customer's identity, and report certain transactions in specified U.S. counties or zip codes.'
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Antitrust/competition-law restrictions on exclusive agent agreements in multiple jurisdictionsSource: WU 10-K Item 1A Risk Factors: 'several countries in Eastern Europe, the Commonwealth of Independent States, Africa, and Asia have promulgated laws or regulations, or authorities in these countries have issued orders, which effectively prohibit payment service providers, such as money transfer companies, from agreeing to exclusive arrangements with agents.'
Disclosed initiatives
No disclosed initiatives on file for this pillar.
These are Missionomics' own editorial scores — directional signals built from disclosed facts under a published method, not certifications or definitive ratings of The Western Union Company. Coverage and confidence vary by data point, and figures can lag real-world changes. Read the full Methodology for sourcing, scoring, and correction details — or open The Western Union Company in the app for interactive charts and portfolio building.
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