Head of AML and CTF (PCF 52)

SumUp; Dublin; On-site; EUR 130,000 - 170,000; Full time

Benefits offered by this job

VSOP programme

€2000 L&D budget annually

25 days paid leave

Health insurance

Retirement match up to 5%

Bike-to-Work scheme

Job summary

SumUp is seeking a leader for AML/CTF governance in Ireland. You will own the Irish AML/CTF framework, act as the primary contact with the Central Bank of Ireland and law enforcement, and oversee reporting and risk assessments across SumUp's Irish operations.

You will develop and validate the AML/CTF and sanctions controls, engage regulators directly, and drive risk-aware culture across the business in a fast-growing fintech environment.

Qualifications

• Experience as Head of AML or MLRO in Irish financial services, fintech, payments, or e-money.
• Deep knowledge of Irish AML/CTF regulations, CBI guidance, and law enforcement reporting frameworks.
• Demonstrated ability to develop, implement and validate AML/CTF and sanctions compliance frameworks.
• Ability to engage regulators directly and maintain regulatory relationships.
• Strong analytical judgment to translate financial crime risks into practical controls.
• Comfort working in fast-moving, scale-up environments with cross-functional collaboration.

Responsibilities

• Own and maintain SumUp Limited's AML/CTF framework, ensuring full compliance with Irish requirements and regulatory communications.
• Act as primary contact for FIUs and law enforcement on financial crime matters, including SAR decisions.
• Deliver data-driven reporting to the PIL Board and senior management on risks and regulatory developments.
• Lead AML/CTF risk assessments, transaction monitoring, screening, and reporting programmes.
• Contribute to the global KYC framework with the Head of KYC Strategy and MLRO community.
• Build relationships with senior leadership to embed a risk-aware compliance culture.

Skills

Head of AML / MLRO experience

Irish financial services experience

Regulatory reporting

Regulator engagement

Risk-based thinking

Stakeholder engagement

Education

Bachelor’s degree in law, finance, or compliance

Eligibility for PCF-52

Job description

About The Team

SumUp's global AML Governance team sits at the heart of how we protect our business, our customers, and the small businesses we serve every day. As SumUp grows into new markets and builds out a truly global compliance structure, this team is expanding its reach, moving from a European focus to a worldwide one, covering regulated entities across the UK, Ireland, Lithuania, Brazil, Chile, Italy, and Australia.

About The Team

SumUp's global AML Governance team sits at the heart of how we protect our business, our customers, and the small businesses we serve every day. As SumUp grows into new markets and builds out a truly global compliance structure, this team is expanding its reach, moving from a European focus to a worldwide one, covering regulated entities across the UK, Ireland, Lithuania, Brazil, Chile, Italy, and Australia.

This is a critical, regulated role (PCF-52) for SumUp Limited, our Irish entity. You'll be the primary point of contact with the Central Bank of Ireland and Irish law enforcement on all financial crime matters, and you'll hold overall responsibility for maintaining the framework for detection, prevention, and reporting of financial crime across our Irish operations. This is a real opportunity to shape how AML / CTF governance works at scale across SumUp's regulated entities.

Take a look at our Dublin office

What You'll Do

• Own and maintain SumUp Limited's AML / CTF framework, ensuring full compliance with Irish regulatory requirements and managing all communications with the Central Bank of Ireland
• Act as the primary contact for Financial Intelligence Units and law enforcement agencies on financial crime matters, including overseeing SAR decisions and escalations
• Deliver clear, data-driven reporting to the PIL Board and senior management on financial crime risks, regulatory developments, and the effectiveness of the compliance framework.
• Strengthen financial crime awareness across the business through targeted training and stakeholder engagement, while leading annual AML/CTF risk assessments and overseeing transaction monitoring, screening, and reporting programmes.
• Contribute to the development of the global KYC framework alongside the Head of KYC Strategy and the wider MLRO community
• Build strong relationships with senior leadership and cross-functional teams to embed a practical, risk-aware compliance culture across the business

You’ll be great for this role if…

• Prior experience as a Head of AML or MLRO within the Irish financial services sector, ideally in fintech, payments, or e-money, and eligibility for PCF-52 approval.
• Deep knowledge of Irish AML/CTF regulations, CBI guidance, and law enforcement reporting frameworks, with the confidence to engage regulators directly.
• Demonstrated experience in developing, implementing, and validating comprehensive AML/CTF and sanctions compliance frameworks, supported by strong capabilities in financial crime risk assurance and regulatory reporting.
• Skilled at maintaining robust regulatory standards while supporting business growth, applying proportionate controls that manage risk without creating unnecessary operational barriers.
• Strong analytical judgement to identify emerging financial crime typologies and ability to translate complex financial crime risks into clear, practical measures that support business growth without compromising compliance.
• Comfort working in a fast-moving, scale-up environment where navigating ambiguity and building cross-functional relationships are part of the day-to-day.

Why you should join SumUp

Opportunity to work with a truly global, multicultural team from our homely, Dublin hub just steps from Harcourt Street Luas and charming Iveagh Gardens.

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 VSOP 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

Generous time off: 25 days paid leave, plus bank holidays and special leaves

Well-being support: health insurance for you and your family, and subsidised gym membership when you stay active

Easy commute perks: participate in the Bike-to-Work or TaxSaver Commuter Ticket scheme

Financial growth: retirement savings match — SumUp tops your contributions up to 5%

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 37 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 3,000 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.