---
title: 'Team Leader Risk & Fraud at SumUp'
canonical: 'https://feeny.ai/job/team-leader-risk-fraud-sumup-sofia-2cwbr1xyck8g'
type: 'job'
last_seen: '2026-11-10'
---

# Team Leader Risk & Fraud at SumUp

- **Company:** SumUp
- **Location:** Sofia, Bulgaria
- **Posted:** 2026-11-05
- **Last confirmed live:** 2026-11-10
- **Apply:** https://sumup.com/careers/positions/8799831002?gh_jid=8799831002

## Job description

Team description:

Every new product, market and payment method we launch needs fraud monitoring, transaction controls, chargeback processes and trained teams in place before it goes live, and you'll be the person who makes sure that happens. You'll report to the Head of Risk and Fraud and act as the main link between Risk and Fraud Operations and Product, Engineering, Compliance, Legal, Customer Support, data analytics and external partners such as acquirers and payment schemes. It's a role with real ownership, from managing the full project portfolio to shaping how the team scales through automation, while working on launches like new payment methods in Italy and our expansion into New Zealand.

Take a look inside our office: [Sofia](https://youtu.be/gqtjm5NUXs0?si=t7YARvQWQHHidD_z)

What you'll do:

- Project delivery across risk and operations teams: You have led cross-functional projects involving Fraud Operations, Risk, Product, Engineering, Compliance, and external partners such as card schemes, processors, and vendors. You plan milestones, track dependencies, and escalate blockers early.
- Acquiring and fraud domain knowledge: You understand merchant onboarding and monitoring, transaction fraud, chargebacks and disputes, and the card scheme and PSP rules that shape them. Experience in acquiring, payments, or fintech is strongly preferred.
- Requirements to implementation: You translate fraud strategy and regulatory needs into clear implementation plans, such as new monitoring rules, scoring model changes, or case-management workflows. You verify that operations, support, and engineering are ready before a launch, including training, runbooks, and rollback plans.
- Tooling: You work fluently in Jira or Azure DevOps, Confluence or a similar case tool, and Microsoft 365 or Google Workspace. Experience with fraud or risk platforms and BI dashboards is a plus.
- Communication and ownership: You write and speak clearly in English, can explain risk trade-offs to non-specialists, and handle pressure well. You take ownership, stay humble and curious, and work in line with SumUp's values.

What you'll bring:

- Experience managing projects that involve several teams, including Operations, Product, Engineering, Compliance and external partners, with strong planning, dependency tracking and escalation skills.

- Good understanding of fraud prevention, transaction monitoring, chargebacks, payment operations or merchant risk, ideally gained in financial services, payments or fintech.

- Ability to turn operational needs and risk requirements into clear implementation plans, and to confirm that teams are ready before a launch.

- Comfort working with tools such as Jira, Notion or Confluence, Salesforce, and Microsoft Office or Google Workspace.

- Strong written and spoken English, together with a pragmatic, humble and self motivated approach that fits SumUp's values.

Why you should join SumUp:

- 🌍 Opportunity to work with SumUppers globally on large-scale fintech products used by millions of businesses worldwide, from our modern Sofia office. This involves an office-first setup

- 🌈 Commitment to Diversity and Inclusion: be part of a workplace that values and promotes diversity, fostering an inclusive environment where everyone's perspectives are respected and embraced

- 🚀 Enrolment onto our Virtual Stock Option programme: you will own a stake in SumUp's future success

- 📚 A dedicated annual L&D budget of €2000 and 10 paid days of educational leave which can be used to attend conferences and/or advance your career through further education

- 🏖 Generous time off: 25 days of paid leave, plus one extra day per year of service (up to 35), along with public holidays and special leave options

- 🏥 Peace of mind: additional health insurance and life insurance

- 💪 Stay active: on-site yoga and a co-sponsored Multisport card offering access to hundreds of sports facilities

- 🍽 Meal support: benefit from a tax-free food voucher program plus flexibility via our Re:Benefits platform

- 🚌 Easy commute: free shuttle buses connecting directly to Joliot-Curie metro station

- 🌴 Break4me: 1-month sabbatical after 3 years of service

- 🔗 Referral Bonus: earn additional rewards by referring talented individuals to join the SumUp team

About SumUp:

Be empowered to do more that matters.

At SumUp, we're on a mission to empower small businesses across the globe by providing simple and affordable tools that allow them to thrive. Today, over 4 million businesses in 39 markets rely on SumUp as their financial partner to manage payments, finance and customer relationships.

Our commitment to small businesses is reflected in [our diverse team](https://youtu.be/9DG64C3moeQ?si=YpcWuBNBTOQPzeLI) of over 4,000 SumUppers from over 90 nationalities, united by global collaboration and an innovative mindset. [Our core values](https://www.sumup.com/careers/culture/) lay the foundation for who we are and what we stand for, shaping our work culture and driving our success. We foster inclusivity and a continuous learning culture, providing a safe space for personal and professional growth. Our differences make us unique and strong as we strive to create an environment where everyone belongs and feels supported, no matter how they identify.

SumUp is proud to be an Equal Employment Opportunity employer, actively seeking and embracing diversity in our workforce. We don't make hiring or employment decisions based on 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. Our commitment extends beyond recruitment to creating a safe and respectful workplace where harassment of any form is strictly prohibited. Discover more about our culture and opportunities on our [careers website](https://www.sumup.com/careers/), and follow our journey on [LinkedIn](https://www.linkedin.com/company/sumup/), [Instagram](https://www.instagram.com/insidesumup/), and [TikTok](https://www.tiktok.com/@insidesumup). Job Application Tip

We recognise that candidates feel they need to meet 100% of the job criteria in order to apply for a job. Please note that this is only a guide. If you don’t tick every box, it’s ok too because it means you have room to learn and develop your career at SumUp.

## About SumUp

## Company Overview
- **One-liner**: SumUp is a global fintech company that provides simple, affordable payment and financial management tools to help small businesses start, run, and grow.
- **Entity Type**: Private (Funding stage not publicly available)
- **Headquarters**: London, United Kingdom
- **Founded**: 2012
- **Founders**: Not specified in provided sources

## Core Business
- **Primary industry**: Financial Services / Fintech (Payments)
- **Target customers**: Small and medium-sized businesses (SMBs), B2B
- **Mission or purpose statement**: "Empower small businesses all over the world." — with the vision of "a world where everyone can build a thriving business."

## Products & Services
- **Payment Processing (Card Readers & POS)**: Hardware and software solutions for in-person and online payments, enabling merchants to accept card and contactless payments.
- **SumUp Business Account**: A digital business account for managing finances and transactions.
- **Invoicing & Customer Relationship Tools**: Tools to create invoices, manage customers, and streamline operations.

## Market Standing
- **Valuation/Market Cap**: Not disclosed (private company)
- **Key Metric**: Over 4 million merchants served across 37 markets; 3,000+ employees from more than 90 nationalities
- **Notable Investors/Partners**: Not listed in provided sources
- **Growth Signals**: Headcount growth to 3,000+; recognition as a Top Global Employer for inclusion (Stonewall Workplace Equality Index 2022/2023) and Fintech Diversity Initiative of the Year (2025); expansion across 4 continents with 20+ offices.

## Competitive Advantages
- **Global reach**: Operating in 37 markets with localized products and support.
- **Merchant focus**: Deep commitment to small business owners, with products designed specifically for their needs.
- **Inclusive culture**: Strong diversity and inclusion programs, gender parity in workforce, and employee-led communities (e.g., Pride Club).
- **Autonomous teams**: Small, empowered teams with servant leadership, fostering innovation and speed.

## Strategic Focus
- Expanding product and service portfolio to become a complete financial partner for small businesses.
- Continuing to invest in a learning culture (SumUp University) and employee development.
- Maintaining an office-first culture while enabling occasional remote work to balance collaboration and flexibility.
- Growing market presence by entering new geographies and deepening existing ones.

## Why Work Here
- **Culture**: Office-first company that values human connection, autonomy, and continuous learning. Core values include Team First, We Care, and Founder’s Mentality.
- **Remote/Hybrid policy**: Office-first with the ability to work remotely occasionally, as agreed with teams.
- **Benefits**: Relocation support for overseas hires, dedicated budget for conferences and external training, and location-specific perks.
- **Engineering culture**: Autonomous teams, servant leadership, and a focus on pragmatic, self-driven problem-solving.
- **Inclusion**: Recognized as a Top Global Employer for inclusion; active LGBTQ+ community and gender parity initiatives.
- **Hiring process**: Transparent, with recruiter screening, hiring manager interview, technical assessment, team interview, bar raiser, and final offer.

## Sources
1. [sumup.com](https://www.sumup.com/careers/)
2. [linkedin.com](https://www.linkedin.com/company/sumup)
3. [sumup.com](https://www.sumup.com/careers/culture/)
4. [sumup.com](https://www.sumup.com/careers/positions/)
5. [sumup.com](https://www.sumup.com/careers/how-we-hire/)

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