About the team:
We are the Merchant Risk Intelligence team within SumUp’s Risk & Compliance tribe. We build systems that help protect SumUp and its merchants from fraud while supporting reliable, compliant business growth.
Our team combines software engineering, machine learning, data science, product management and risk expertise. You will join a multidisciplinary group currently working across backend services, data products and AI-powered solutions. The team is growing its software engineering capabilities to develop Sentinel, our entity-level investigation and actioning framework, and to support broader risk and compliance use cases.
You will bring dedicated Golang expertise to the team while also contributing to Python-based services and AI-agent initiatives. We value pragmatic engineering, thoughtful collaboration and the ability to balance delivery speed with security, reliability and long-term maintainability.
What you’ll do:
- Develop new functionality and support existing services across the tribe’s codebase, primarily using Go
- Contribute to the continued development of our in-house merchant risk decision framework, taking it beyond its MVP and enabling new fraud prevention, risk and compliance use cases.
- Design, build and maintain reliable distributed systems and backend services.
- Work closely with product managers, data scientists, machine learning engineers, fraud strategy teams and operational stakeholders to turn complex problems into practical solutions.
- Help shape technical direction, service boundaries and system design decisions across the team.
- Contribute to Python projects, including AI-agent initiatives, as you build a broader understanding of the team’s systems.
- Participate in code reviews, testing, monitoring and continuous improvement of production services.
- Use AI-assisted development tools thoughtfully to deliver meaningful features faster without compromising code quality, security or maintainability.
- Be open to participating in an on-call rotation as the team’s production responsibilities and support model evolve.
You’ll be great for this role if you have:
- Professional experience developing software with Go/Golang
- Experience building and operating distributed systems and backend services
- Strong system design skills and an understanding of reliable, maintainable software architecture.
- Experience working with Kubernetes and Kafka
- Working knowledge of Python and an interest in contributing to Python-based products or AI/agentic development
- Experience using AI-assisted tools as part of your software development workflow
- Experience working in agile, cross-functional teams and collaborating with stakeholders beyond engineering
- A pragmatic, outcome-focused approach: you know how to define a valuable MVP, make sensible trade-offs and improve solutions iteratively
- A collaborative mindset and the confidence to challenge ideas constructively while remaining open to feedback
- Motivation to learn about fintech, fraud prevention, risk and compliance domains
Why you should join SumUp:
🌍 Opportunity to work with SumUppers globally on large-scale fintech products used by millions of businesses worldwide, from our Sofia office. This involves an office-first setup
🧑🔬 We take learning and experimentation seriously with Hack Days every second Friday, and entire global Hack Weeks.
🌈 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
📚 A dedicated annual L&D budget of €2,000 for attending conferences and/or advancing your career through further education
🚀 Enrolment onto our VSOP program: You will own a stake in SumUp’s future success
🏖️ 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
🔄 30 Days Sabbatical: Enjoy the unique opportunity to take a well-deserved break with our 30 days sabbatical benefit after completing 3 years of employment with SumUp
🍽️ 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
🏥 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
🔗 Referral Bonus: Earn additional rewards by referring talented individuals to join the SumUp team
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.
About us:
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 36 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.
Explore career opportunities with us and join a team driven by collaboration, innovation, and a shared vision of creating a world where everyone can build a thriving business. Discover more about our vibrant and inclusive work culture and how we work on our careers website, and follow our journey on LinkedIn and Instagram.
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.
Skills Required
- Professional experience developing software with Go/Golang
- Experience building and operating distributed systems and backend services
- Strong system design skills and understanding of reliable, maintainable software architecture
- Experience working with Kubernetes
- Experience working with Kafka
- Working knowledge of Python and interest in contributing to Python-based products or AI/agentic development
- Experience using AI-assisted tools as part of your software development workflow
- Experience working in agile, cross-functional teams and collaborating with stakeholders beyond engineering
- Willingness to participate in an on-call rotation
- Motivation to learn about fintech, fraud prevention, risk and compliance domains
SumUp Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about SumUp and has not been reviewed or approved by SumUp.
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Leave & Time Off Breadth — Paid time off is positioned as a standout, including 22 vacation days that increase with tenure, public holidays, a quarterly Wellness Day, special leave, and a fully paid one‑month sabbatical after three years. This combination makes time-off benefits feel notably robust in the overall rewards package.
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Healthcare Strength — Health coverage is described as comprehensive, with medical plan options (including carriers such as Cigna and Kaiser) plus dental and vision. Company-paid life insurance and disability coverage are also part of the protection package in the U.S. materials.
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Retirement Support — Retirement benefits include a published 401(k) match formula that provides an employer match up to a stated cap. The clarity of the match structure supports straightforward evaluation during offer comparisons.
SumUp Insights
What We Do
SumUp believes that every business should have access to affordable, easy-to-use financial solutions, no matter their size. That’s why more than 3 million businesses worldwide rely on SumUp to run their business. What started out as one card reader has now turned into a range of payment hardware, banking solutions, marketing, and loyalty tools, invoicing, and so much more. From sales and marketing to product and engineering, our cross-functional US team works together to ensure that small business owners can be successful doing what they love.
Why Work With Us
SumUp USA is part of the global SumUp organization that stretches across multiple continents from Berlin to Sao Paulo. Our teams are multicultural, have a collaborative mindset and bold goals. Join our mission if you want to become part of the success story and help empower over 3 million merchants using SumUp already!
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