London
About the teamSumUp's Governance, Risk and Compliance team sits at the heart of how we operate responsibly across our global markets. In the UK, we're at a pivotal moment, our financial crime function is growing, and we need the right person to lead it. As our UK MLRO, you'll hold statutory responsibility for SumUp's AML/CTF programme, serving as the primary point of contact with the FCA and UK law enforcement on all financial crime matters. This is a role where your expertise genuinely matters; the decisions you make, the frameworks you build, and the relationships you hold with regulators will directly shape how SumUp grows and operates in the UK.
🎥 Take a look at our London office.
What you'll do- Own and lead SumUp's UK AML/CTF programme, ensuring it meets FCA expectations and and hold overall responsibility for the effective detection, prevention, and reporting of financial crime across our UK operations
- Act as the primary point of contact with the FCA and UK law enforcement agencies on all financial-crime related matters and hold overall responsibility for the effective detection, prevention, and reporting of financial crime across our UK operations
- Review and make decisions on Suspicious Activity Reports (SARs), including complex escalations requiring careful judgement
- Oversee transaction monitoring, CDD/EDD processes, and second-line assurance of outsourced or technology-enabled controls
- Support preparation for FCA supervisory engagements, audits, and thematic reviews
You'll be great for this role if…
- Prior experience as an MLRO or Deputy MLRO within the UK financial services sector, ideally in fintech, payments, or e-money
- Deep knowledge of UK AML/CTF regulations, JMLSG guidance, and law enforcement reporting frameworks
- Strong judgement when reviewing high-risk cases, transaction monitoring alerts, and complex CDD/EDD decisions and the ability to translate complex financial crime risks into practical measures that support business growth while ensuring compliance with AML/CTF regulations
- Ability to balance commercial priorities with regulatory obligations, and communicate confidently with the FCA and senior leadership
- Eligible for, or already approved for, FCA SMF17 designation
- 🌎 Opportunity to work with a truly global, multicultural team from our central Covent Garden location, wrapped in historic charm and modern flair. 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
- 🏖 Generous time off: enjoy 28 days of paid leave, plus bank holidays and special leaves
- 📚 A dedicated annual L&D budget for attending conferences and/or advancing your career through further education
- 🏥 Health matters: private health insurance, including optical and dental
- 🚗 Life made easier: salary-sacrifice commuter benefits via Gogeta
- 💼 Financial security: retirement scheme (SumUp matches 7% when you contribute 5%)
- 🛡 Peace of mind: life insurance from MetLife for 2× your salary
- 🌴 Break4me: 1-month sabbatical after 3 years of service
- 🔗 Referral Bonus: earn additional rewards by referring talented individuals to join the SumUp team
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.
Skills Required
- Prior experience as an MLRO or Deputy MLRO in UK financial services
- Deep knowledge of UK AML/CTF regulations and frameworks
- Strong judgement in high-risk cases and transaction monitoring
- Ability to balance commercial priorities with regulatory obligations
- Eligible or approved for FCA SMF17 designation
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.
-
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.
-
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.
-
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!
Gallery
