Risk and Anti-fraud Analyst

About the team

SumUp's Risk and Fraud team sits at the heart of keeping our financial products safe for the millions of small businesses and consumers who rely on us every day. As SumUp Pay and our Consumer products continue to grow, so does the complexity and volume of fraud we need to detect, investigate, and stop. This role exists to strengthen our Bank Fraud Investigations function, specifically supporting Consumer Fraud Operations, and to ensure we can meet both internal SLAs and evolving regulatory requirements without missing a beat. If you're someone who enjoys working through complex problems, staying one step ahead of fraudsters, and making a real difference to customers in difficult situations — this is a role worth exploring.

What you'll do

Monitor live transactions and investigate fraud cases end-to-end, including authorised push payment (APP) fraud, and customer disputes

Handle sanction screening alerts and process fraud-related notifications from external payment service providers in line with SEPA and FPS regulatory requirements

Communicate directly with customers via chat and email, resolving cases with care and in line with the highest service and compliance standards

Respond to information requests from internal teams, partners, and external stakeholders including regulators and law enforcement agencies

Stay current on AML regulations, fraud typologies, and industry best practices, and bring that knowledge into your daily work

You'll be great for this role if…

You have strong understanding of the payment cycle and how different payment methods work, including awareness of seller and buyer fraud tactics.

You have previous experience in transaction monitoring in financial institution.

You have solid knowledge of AML principles, data privacy best practices, and how fraud prevention rules and models operate.

You have excellent written and verbal communication skills in English, with the ability to engage clearly with customers and extern