Senior Risk & Fraud Prevention Analyst

SumUp; Berlin; On-site; EUR 85,000 - 120,000; Full time

Benefits offered by this job

Virtual Stock Options

L&D budget €2000

28 days leave

Pension matching up to 20%

Urban Sports Club

Job summary

SumUp is seeking a role within Global Fraud Prevention based in Berlin to strengthen observability and decisioning for fraud across banking products. You will work with fraud operations, data science, product, and engineering to stay ahead of evolving patterns and maintain compliance in 38 active SumUp markets.

The role focuses on building dashboards, refining decision rules, investigating anomalies, and collaborating on improving risk logic in a fast-changing fintech environment.

Qualifications

• Strong SQL skills and ability to query large datasets.
• Experience configuring fraud decision engines or rules.
• Solid grounding in applied statistics and modelling (A/B testing, classification, regression).
• Knowledge of EU banking fraud schemes, card network rules, PSD2.
• Fluent in English, both written and spoken.

Responsibilities

• Build and maintain fraud observability dashboards for card issuing and banking products.
• Configure and refine decision engine rules to balance fraud catch with user friction.
• Investigate fraud anomalies and translate findings into actionable recommendations.
• Collaborate with data science and engineering to improve risk logic and data sources.
• Translate PSD2/PSD3 and card scheme requirements into practical controls.
• Share regular fraud performance updates with stakeholders across risk and leadership.

Skills

Advanced SQL

Fraud rules

Statistics & modelling

PSD2 knowledge

English fluency

Tools

SQL tooling

Data analysis

Job description

Team Description

Global Fraud Prevention protects SumUp's banking products, from issued cards to cash in and cash out flows, keeping millions of merchants and consumers safe from financial crime. This role plays a key part in building stronger fraud observability and smarter decisioning for fast growing card issuing and banking volumes across the globe. Complex fraud data gets turned into practical controls here, working closely with fraud operations, data science, product, and engineering teams, as well as card payment networks, to stay ahead of evolving fraud patterns and comply with regulatory requirements in 38 active Sumup markets.

Berlin, Germany

• Office-first
• Permanent, full-time

Team Description

Global Fraud Prevention protects SumUp's banking products, from issued cards to cash in and cash out flows, keeping millions of merchants and consumers safe from financial crime. This role plays a key part in building stronger fraud observability and smarter decisioning for fast growing card issuing and banking volumes across the globe. Complex fraud data gets turned into practical controls here, working closely with fraud operations, data science, product, and engineering teams, as well as card payment networks, to stay ahead of evolving fraud patterns and comply with regulatory requirements in 38 active Sumup markets.

What You'll Do

• Build and maintain fraud observability dashboards covering issued card, cash in, and cash out flows across merchant and consumer banking products
• Configure and refine decision engine rules to catch fraud early without adding unnecessary friction for genuine customers
• Investigate fraud anomalies and turn findings into clear, actionable recommendations for fraud operations and engineering teams
• Partner with data science and engineering teams to improve risk logic and explore new data sources and automation opportunities
• Translate PSD2, the upcoming PSD3, card scheme and other regulatory requirements into practical, workable controls
• Share regular fraud performance updates with stakeholders across risk, compliance, and leadership

You'll be great for this role if

• Advanced SQL skills for querying and manipulating large datasets
• Experience configuring fraud decision engines or systems based on rules
• Strong grounding in applied statistics and modelling, including A/B testing, classification, and regression
• Proactive in shaping structure and processes within a fast changing, ambiguous environment
• Knowledge of EU banking fraud schemes, card network rules, and PSD2
• Fluency in English, spoken and written

Why you should join SumUp

• Opportunity to work with SumUppers globally on large-scale fintech products used by millions of businesses worldwide, from our Berlin 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 for your individual development, which can be used to attend conferences and/or advance your career through further education
• A corporate pension scheme where we match up to 20% of your contributions
• Generous time off: enjoy 28 days of paid leave plus public holidays and special leave days
• Numerous other benefits such as Urban Sports Club subsidy, Kita placement assistance, subsidised office lunches
• 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 of over 4,000 SumUppers from over 90 nationalities, united by global collaboration and an innovative mindset. Our core values 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, and follow our journey on LinkedIn, Instagram, and TikTok.

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.