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Risk and Anti-Fraud Analyst

Sofia, Bulgaria · Risk & Fraud

At SumUp, we are driven to empower small businesses across the globe by de-hassling their lives and helping them to succeed. Our vision as a global FinTech company is to build the first-ever global card acceptance brand, and we are well on our way as small businesses in over 33 countries around the world rely on SumUp to get paid. To get there, we are putting together an awesome team that is committed to one another and to our merchants. You could be our missing link! Help us bring card acceptance to the masses!

If you are interested in a career in Fraud Prevention in the ever-changing world of payments this might be the role for you. You will become part of a team utilizing a number of tools and methods to identify fraud patterns, reduce risk and protect SumUp & our clients - small & medium-sized merchants from criminal activity. 

What you'll do

  • Monitor numerous real-time queues and investigate individual transactions using internal policies and review methodologies to determine if the transactions are fraudulent or not.

  • Being responsible for all dispute cases and dispute resolutions, including providing advice and offering second level support to Bank Support experts on transaction disputes and fraud topics.

  • Handling of Chargeback reconciliation reports routines and return of funds

  • Execute detection routines to mitigate loss through fraud detection methods and identify, investigate and report risky situations and vulnerabilities.

  • Execute various processes for existing and new products such as: negative balance recovery, direct debit refund requests, recall of funds for bank transfers, consumer debit card, ADC notifications.

  • Engage in internal training initiatives, crafting materials and holding sessions to leverage general expertise in relation to Risk and Fraud routines, standards, cases and market trends.

  • Perform additional duties when required, for example closing and/or reissuing cards or accounts

  • Keep up to date on chargeback rules and conditions, processes and products/services in relation to dispute resolution and fraud trends.


  • You have had an initial experience working with fraud-detection and prevention and are looking to further grow in this area

  • You have excellent language skills (verbally and written) in English

  • You are able to multi-task and complete projects on time and have strong writing, analytical and communication skills

  • You have strong organizational skills with the ability to work in a flexible and fast paced environment 

  • You have great problem solving skills

  • You have the ability to spot patterns and document ideas into a well-defined process

  • Existing knowledge of Anti Money Laundering Regulations is considered a plus

Why you should join SumUp

  • We’re a truly global team of 3000+ people from 60+ countries, spread across 3 continents

  • You'll have the opportunity to make an impact as we work in flat hierarchies

  • You'll have the space to drive your career here and take ownership of projects

  • You'll be able to attend team events and offsites

  • Office relaxation activities such as yoga and massages and regular brunches, football events and office parties

  • 25 days paid vacation + 1 accumulative day for each year of employment at SumUp

  • Additional health insurance and Multisport card

Hiring Process

  1. 30 minute Pre-screening with a Talent Acquisition Partner

  2. 60 Minute interview with two members of the Risk & Anti-Fraud team

  3. Final decision

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 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.

SumUp will not accept unsolicited resumes from any source other than directly from a candidate.

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.