Caroline Tsai - Western Union Executive Partner, General Counsel, Secretary

WUNI34 Stock  BRL 67.69  0.42  0.62%   

Executive

Ms. Caroline Tsai is Executive Partner, General Counsel, Secretary of the Company. She is our Executive Vice President, General Counsel and Secretary . Prior to joining Western Union in December 2017, Ms. Tsai served as Deputy General Counsel and Chief Regulatory Officer of BMO Financial Group, a banking and financial services provider, from December 2015 to November 2017 and from January 2014 to December 2015, Ms. Tsai served as Chief Legal Officer, U.S. Personal and Commercial Banking at BMO Harris Bank. Prior to joining BMO Financial Group, Ms. Tsai was Senior Vice President and Associate General Counsel of Bank of America Corporationrationration, a banking and financial services provider, from January 2012 to December 2013, and from July 2005 to December 2011, Ms. Tsai served as Senior Vice President and Assistant General Counsel since 2017.
Age 48
Tenure 7 years
Phone866 405 5012
Webhttps://www.westernunion.com
Tsai began her legal career as an Associate with the law firm Jones Day, based in Washington, D.C.

Caroline Tsai Latest Insider Activity

Tracking and analyzing the buying and selling activities of Caroline Tsai against Western Union stock is an integral part of due diligence when investing in Western Union. Caroline Tsai insider activity provides valuable insight into whether Western Union is net buyers or sellers over its current business cycle. Note, Western Union insiders must abide by specific rules, including filing SEC forms every time they buy or sell Western Union'sshares to prevent insider trading or benefiting illegally from material non-public information that their positions give them access to.

Western Union Management Efficiency

The company has return on total asset (ROA) of 0.0639 % which means that it generated a profit of $0.0639 on every $100 spent on assets. This is way below average. Similarly, it shows a return on equity (ROE) of 2.1853 %, meaning that it generated $2.1853 on every $100 dollars invested by stockholders. Western Union's management efficiency ratios could be used to measure how well Western Union manages its routine affairs as well as how well it operates its assets and liabilities.
The company has accumulated 2.73 B in total debt. Western Union has a current ratio of 0.27, indicating that it has a negative working capital and may not be able to pay financial obligations in time and when they become due. Debt can assist Western Union until it has trouble settling it off, either with new capital or with free cash flow. So, Western Union's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Western Union sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Western to invest in growth at high rates of return. When we think about Western Union's use of debt, we should always consider it together with cash and equity.

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The Western Union Company provides money movement and payment services worldwide. The Western Union Company was founded in 1851 and is headquartered in Denver, Colorado. WESTERNUNIONDRN operates under Credit Services classification in Brazil and is traded on Sao Paolo Stock Exchange. It employs 11000 people. The Western Union (WUNI34) is traded on Sao Paulo Exchange in Brazil and employs 36 people.

Management Performance

Western Union Leadership Team

Elected by the shareholders, the Western Union's board of directors comprises two types of representatives: Western Union inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Western. The board's role is to monitor Western Union's management team and ensure that shareholders' interests are well served. Western Union's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Western Union's outside directors are responsible for providing unbiased perspectives on the board's policies.
Angela Sun, Director
Robert Selander, Independent Director
Linda Levinson, Independent Director
Michael Salop, Senior Vice President - Investor Relations
Diane Scott, Executive Vice President Chief Marketing Officer
Brad Windbigler, Treasurer VP
Martin Cole, Director
Solomon, Independent Director
Bob Rupczynski, Chief Officer
Rajesh Agrawal, CFO, Executive Vice President
Jean Farah, Executive Vice President and Presidentident - Middle East, Africa, APAC, Eastern Europe & CIS
John Dye, Executive Vice President General Counsel, Secretary
Betsy Holden, Independent Director
John Thompson, Executive Vice President - Global Operations, CIO
Jack Greenberg, Non-Executive Independent Chairman of the Board and Presidentiding Director
Andrew Walker, Chief Officer
Elizabeth Roscoe, Executive Director
Sheri Rhodes, Acting CTO
Hikmet Ersek, President CEO, Director
Solomon Trujillo, Independent Director
David Thompson, Executive Vice President - Global Operations, CIO
Richard Williams, Executive Vice President Chief Human Resources Officer
Reverend Williams, Chief Officer
Roberto Mendoza, Independent Director
Jeffrey Joerres, Director
Elizabeth Chambers, Executive Vice President Chief Strategy officer and Product Officer
Matthew Cagwin, Interim Officer
Caroline Tsai, Executive Partner, General Counsel, Secretary
Frances Townsend, Independent Director
Benjamin Adams, Chief Sec
Gabriella Fitzgerald, Pres America
Devin McGranahan, CEO Pres
Odilon Almeida, Executive Vice President and Presidentident - Americas and European Union
Richard Goodman, Independent Director
Michael Miles, Independent Director
Mark Hinsey, Chief Controller

Western Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Western Union a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards Western Union in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, Western Union's short interest history, or implied volatility extrapolated from Western Union options trading.

Also Currently Popular

Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.
Check out Your Current Watchlist to better understand how to build diversified portfolios, which includes a position in The Western Union. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in nation.
Note that the Western Union information on this page should be used as a complementary analysis to other Western Union's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Price Exposure Probability module to analyze equity upside and downside potential for a given time horizon across multiple markets.

Complementary Tools for Western Stock analysis

When running Western Union's price analysis, check to measure Western Union's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Western Union is operating at the current time. Most of Western Union's value examination focuses on studying past and present price action to predict the probability of Western Union's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Western Union's price. Additionally, you may evaluate how the addition of Western Union to your portfolios can decrease your overall portfolio volatility.
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Please note, there is a significant difference between Western Union's value and its price as these two are different measures arrived at by different means. Investors typically determine if Western Union is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Western Union's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.