Senior AML Investigator

SumUp; Sofia (NM); On-site; USD 39,000 - 58,000; Full time

Benefits offered by this job

Meal support: tax-free food vouchers

on-site yoga

Multisport card

Health insurance

L&D budget €2000

25 days paid leave

Annual sabbatical

Referral bonuses

Job summary

SumUp is seeking a Senior AML Investigator to join our AML Operations Team in Sofia, Bulgaria (office-first). You will scrutinize flagged transactions and customer patterns to identify money laundering and other financial crimes, document findings, and contribute to final decisions across the business.

The role requires strong analytical skills, proficiency in English, and a detail-oriented mindset. You will collaborate with colleagues globally, stay up-to-date with AML regulations, and help

Qualifications

• At least 1–2 years of experience in AML investigation and financial crimes reporting or a similar field.
• A strong understanding of AML regulations, financial products, and services.
• Proven ability to conduct data analysis and complex investigations.
• Proficiency with technical tools like Microsoft Excel and other data analysis software.
• Exceptional attention to detail and a commitment to quality.
• Strong communication skills, with excellent command of spoken and written English.
• A proactive and adaptable team player who can thrive in a fast-paced, changing environment.
• A quick learner with the ability to quickly grasp and apply new policies and procedures.

Responsibilities

• Investigate transactions and accounts flagged by the transaction monitoring system to assess potential risk
• Analyse transaction patterns and customer behaviour to identify signs of money laundering or other financial crime
• Document investigation findings clearly and work with colleagues across the business to reach a final decision on suspicious activity
• Keep up to date with AML regulations and industry best practice, applying them in day to day investigations

Skills

AML investigations

Regulations knowledge

Data analysis

English proficiency

Attention to detail

Teamwork

Quick learner

Tools

Microsoft Excel

Job description

Senior AML Investigator

Sofia, Bulgaria(Office-first)

Team description

As part of the AML Operations Team, you'll be one of the silent protectors keeping SumUp and its millions of merchants safe from financial crime, investigating flagged activity before it can turn into real harm. You'll dig into transaction patterns and customer behaviour to catch potential money laundering, terrorist financing, and other illicit activity, working closely with colleagues across the business to land on the right call. If you want a role where sharp attention to detail genuinely protects people and the business, this is where you'll find it.

Take a look inside our Sofia office

What you'll do

• Investigate transactions and accounts flagged by the transaction monitoring system to assess potential risk
• Analyse transaction patterns and customer behaviour to identify signs of money laundering or other financial crime
• Document investigation findings clearly and work with colleagues across the business to reach a final decision on suspicious activity
• Keep up to date with AML regulations and industry best practice, applying them in day to day investigations

You'll be great for this role if

• At least 1–2 years of experience in AML investigation and financial crimes reporting or a similar field.
• A strong understanding of AML regulations, financial products, and services.
• Proven ability to conduct data analysis and complex investigations.
• Proficiency with technical tools like Microsoft Excel and other data analysis software.
• Exceptional attention to detail and a commitment to quality.
• Strong communication skills, with excellent command of spoken and written English.
• A proactive and adaptable team player who can thrive in a fast-paced, changing environment.
• A quick learner with the ability to quickly grasp and apply new policies and procedures.

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: one 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.