At SumUp, we are motivated by the purpose of leveling the playing field for small businesses. We empower small business owners by creating simple and affordable tools to manage payments, finance and customer relationships. We are a collaborative team that thrives on meaningful connections, empowerment and the desire to constantly learn, guided by our values 'Founder's Mentality', 'Team First' and 'We Care'. We want to build an inclusive organization that is people-positive, thoughtful and that constantly innovates from within. Adaptability is the essence of a thriving organization and we strive to create an environment that fosters it.
We are looking to hire a Head of Risk and Fraud Operations for Europe to lead one of the most critical functions in our growing organization. In this influential leadership role, you'll guide a collaborative team of professionals across five specialized units—from Card Acquiring, Fraud Investigations to Merchant Security—while developing strategic initiatives that directly impact SumUp's financial performance, customer trust, and market reputation. In this role, you will also lead an important transformation project to enable us to better address the evolving fraud landscape in our industry. This is your opportunity to shape the future of fraud prevention at scale, implementing innovative machine learning models and AI-driven tools while partnering with multiple teams across our interconnected product ecosystem to deliver solutions that protect both merchants and the business.
If you are excited to solve complex challenges, develop high-performing teams, and make strategic decisions that influence millions of transactions globally, this role offers the perfect blend of operational excellence, strategic thinking, and leadership impact in one of Europe's leading FinTech companies. 🚀
What you’ll do Guide the fraud prevention strategy and operational roadmaps for SumUp in Europe, ensuring comprehensive protection against chargebacks, account takeovers, and emerging fraud threats while optimizing customer experience. Lead a team of fraud specialists across five specialized units: Mentor and develop team leaders, drive operational excellence, and foster a culture of continuous improvement and innovation. Lead the transformation of the organization to reduce internal handovers and deliver faster, more contextual responses to merchant victims. Ensure seamless integration of machine learning models and AI-driven tools into daily operations, working closely with our central Risk & Compliance team to evolve detection capabilities and improve scalability. Maintain strategic alignment with SumUp's business objectives while balancing fraud prevention effectiveness with merchant growth and customer satisfaction across our interconnected product ecosystem. Serve as the primary liaison with issuers, acquirers, and payment schemes to stay ahead of ecosystem changes and build positive relationships that benefit SumUp's fraud prevention capabilities. Represent SumUp's fraud prevention function in cross-team initiatives, regulatory discussions, and external industry forums, ensuring our voice is heard in shaping fraud prevention standards and practices. You’ll be great for this role if You have previous experience as a Head of Fraud Operations, Risk Management, or similar leadership role in a comparable fast-paced technology environment. You have a proven track record of leading diverse fraud prevention teams with a strong focus on operational excellence, stakeholder management, and delivery in highly dynamic, interconnected financial services organizations. You've developed different leadership approaches and use situational awareness to guide your teams through complex fraud scenarios, regulatory challenges, and organizational transformations. You have excellent communication skills enabling you to translate complex fraud risks and technical solutions into clear, actionable insights for senior management and cross-functional teams. You know how to achieve results and build consensus through collaboration, developing strong relationships with issuers, acquirers, payment schemes, and internal stakeholders across multiple teams. You strive to build an inclusive fraud operations culture based on data-driven decision making, continuous learning, and customer-centric solutions that balance risk mitigation with business growth. You have deep expertise in fraud technology trends, prevention strategies, and the regulatory landscape, with the ability to advocate for best practices and support their implementation across the organization. You're a strategic thinker who can quickly adapt to emerging fraud patterns and leverage innovative machine learning and AI technologies to enhance detection capabilities and operational efficiency. Ideally, you have previous experience in customer support, chargeback management, or merchant-facing operations.Why you should join SumUp
Meaningful Leadership: Guide the fraud prevention strategy and roadmaps for Europe, leading a world-class team to drive scalable protection and sustained customer trust. Innovative Environment: Work in a fast-growing, innovative, inclusive, and ethical business where your passion and creativity will inspire teams globally. Global Community: We are currently present in 37 markets and are a global and growing team of 3000+ people from 92+ nationalities with offices across 4 continents. Competitive Compensation: Competitive salary and benefits and access to our SumUp Sabbatical, Employee Assistance Programs, and participation in the Virtual Stock Options Program (VSOP). Visa and Relocation Support: Support for visa and relocation support for you, your family, and even your pets.About SumUp
We believe in the everyday hero.
Small business owners are at the heart of all we do, so we create powerful, easy-to-use financial solutions to help them run their businesses. With a founder’s mentality and a 'team-first’ attitude, our diverse teams across Europe, South America, Australia and the United States work together to ensure that the small business owners we partner with can be successful doing what they love.
SumUp is an Equal Employment Opportunity employer that proudly pursues and hires a diverse workforce. SumUp does not make hiring or employment decisions on the basis of race, colour, religion or religious belief, ethnic or national origin, nationality, sex, gender, gender identity, sexual orientation, disability, age or any other basis protected by applicable laws or prohibited by company policy. SumUp also strives for a healthy and safe workplace and strictly prohibits harassment of any kind.
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