Our Sustainable Business Strategy

Western Union’s aspiration reflects our belief that we are a purpose-driven company and that our success in driving our Beyond strategy positively impacts society at large. In doing so, Western Union has defined four key pillars with each’s positive impact on sustainability:

We make financial services accessible to people everywhere

Digital First

managing environmental impact.

Retail Enabled

optimizing sustainable operations.

Beyond Remittances

promoting economic empowerment.

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driving financial accessibility.

2025 HIGHLIGHTS

Sustainability Strategy & Materiality:

Sustainability embedded in the Beyond strategy, with a transition initiated in 2025 to a financial materiality framework aligned with the International Sustainability Standards Board (ISSB) and integration into Enterprise Risk Management (ERM).

Governance & Accountability:

Board oversight through the Corporate Governance Committee and Audit Committee, supported by Executive-level management via the Sustainability Steering Committee and cross-functional Sustainability Working Group; sustainability objectives incorporated into annual executive incentive compensation through the individual performance modifier.

Financial Inclusion & Customer Outcomes:

Operations across ~20,000

corridors with a 45% digital / 55% retail transaction mix.

In 65%+

of top corridors (representing more than 50% of transactions), pricing met or outperformed affordability benchmarks, including the World Bank’s 3% target.

100%

of digital transactions provided upfront fee and FX transparency.

Human rights & Customer Protection:

Human rights risks in higher-risk corridors managed through agent due diligence, AML/CTF controls, audits, and grievance mechanisms, including the Ethics Helpline; the Global Consumer Anti-Fraud Program has prevented approximately $700M annually in potential fraud losses, with reported consumer fraud transactions declining 45% since 2017.

Climate-Related Considerations:

Measurement of Scope 1 and Scope 2 emissions since 2021 and completion of the first full Scope 3 inventory in 2025, with climate risks integrated into operational resilience through the Risk and Control Self-Assessment (RCSA).

Climate Change

We recognize that climate change brings both challenges and opportunities for the future. Historically, we have qualitatively assessed its risks to understand their potential impact across our global operations. Today, in alignment with international sustainability standards and regulations, we are advancing toward a more comprehensive evaluation that considers the financial materiality of climate-related risks and opportunities.

Sustainability Reports

2025
2023
2022
2021