Description
Head of AML and CTF (PCF 52)
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.
Similar jobs
Est. 120,000 EUR
SumUp Limited is our Central Bank of Ireland regulated electronic money institution, and it's entering a defining period of its growth. As Chief Operating Officer, you'll take overall accountability for the firm's intern…
Est. 85,000 EUR
The Verification squad sits at the heart of SumUp's ability to operate across 37 markets. We own the systems that determine whether a merchant's identity is verified, whether that verification meets the regulatory bar in…
Est. 80,000 EUR
Technical Accounting Manager — Finance About the team This is a senior technical accounting role with real strategic influence — not a policy maintenance job. You'll help shape how SumUp's financial statements are struct…
Est. 80,000 EUR
Help build ML systems that make financial crime harder to hide Financial crime is constantly changing. New patterns and behaviours emerge all the time, and the data we work with is complex. Our work helps make financial…
Est. 80,000 EUR
About the team: The Mobile Platform Squad is the backbone of SumUp's iOS engineering — we build and maintain the foundation that every iOS feature team relies on to ship fast, confidently, and at scale. We're a small, hi…
Est. 80,000 EUR
About the team: The Mobile Platform Squad is the backbone of SumUp's iOS engineering — we build and maintain the foundation that every iOS feature team relies on to ship fast, confidently, and at scale. We're a small, hi…
About the team: Our KYC Operations team sits at the heart of SumUp's merchant onboarding experience, making sure new businesses can get up and running quickly and compliantly. We review and verify merchant applications f…
Team description: EU Payment Operations keeps the money moving for millions of small businesses, handling the daily transactions, reconciliations and bank recalls that sit right at the heart of SumUp's e‑money business.…
Technical Accounting Manager — Finance 📍 Sofia, Bulgaria About the team This is a senior technical accounting role with real strategic influence — not a policy maintenance job. You'll help shape how SumUp's financial st…
Est. 65,000 EUR
Senior IT Internal Auditor About the team Internal Audit at SumUp gives independent assurance that our controls, processes and infrastructure hold up as the business grows across 38 markets. As our IT Internal Auditor, y…
Corporate Tax Lead Take a look inside our Sofia office 🎬 About the team SumUp's European Tax team is responsible for corporate income tax and transfer pricing compliance across 35+ entities — a function that sits at the…
Est. 85,000 EUR
About the role SumUp is looking for a Systems Engineer Lead to join our Corporate IT team. In this role, you will report to the Head of Global IT. You will establish and lead our Systems Engineering function within Corpo…
Est. 65,000 GBP
Senior Strategic Business Partner SumUp is building a full-featured personal account for consumers across Europe- making it easy to spend globally, manage money, and get rewarded for everyday spending. As our Senior Peop…
Est. 80,000 GBP
Technical Accounting Manager — Finance About the team This is a senior technical accounting role with real strategic influence — not a policy maintenance job. You'll help shape how SumUp's financial statements are struct…
Est. 90,000 EUR
About the team: The Commercial Systems and Intelligence squad is a newly formed team within SumUp's Acquisition Mission under the Run & Grow tribe. We sit at the intersection of data, backend engineering, and sales o…
SumUp builds simple, affordable financial tools that help small businesses get paid, manage their money, and grow. Beyond payments, we offer a number of financial products - including business banking, card products, len…
Est. 90,000 EUR
About the team: The Commercial Systems and Intelligence squad is a newly formed team within SumUp's Acquisition Mission under the Run & Grow tribe. We sit at the intersection of data, backend engineering, and sales o…
SumUp gives small businesses the tools they need to get paid, manage their money, and grow - today, over 4 million merchants across 37 markets worldwide rely on SumUp to do exactly that. The Bank Web squad sits within Su…
Est. 80,000 GBP
About the Role At SumUp, we're on a mission to bring merchants and consumers closer together and help local communities thrive. With SumUp Consumer, we're building a rewarding banking experience that connects people to t…
Est. 120,000 GBP
Regional Head of Key Account Sales (Northern & Central Europe) London | Full-time | Office-first Take a look at our London offi... About the team SumUp's Key Account Sales team is entering an exciting new phase of gr…
Est. 120,000 EUR
The Engagement tribe sits at the heart of SumUp's merchant experience, responsible for the product surfaces that 4+ million business owners interact with every day. This is a rare Staff-level IC role responsible for the…
Est. 65,000 EUR
Team description The Central Product Analytics team sits at the heart of how SumUp understands and improves the experience of millions of merchants using our products every day. This role owns the Engagement domain — cov…
Senior Tax Specalist Finance | Record to Report | Sofia, Bulgaria 📽 Take a look inside our Sofia office About the team The Record to Report (R2R) team sits at the heart of SumUp's financial close cycle, turning complex,…
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 g…
Est. 55,000 EUR
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 g…
Est. 120,000 GBP
Head of Consumer Growth SumUp is building a consumer financial product with a distribution advantage that almost no other fintech can replicate. More than four million merchants use SumUp, and more than a billion consume…
Est. 120,000 EUR
Head of Tax Strategy About the team SumUp’s tax team is evolving, and this role will play a critical part in shaping its next chapter. Reporting to the Global Head of Tax, you’ll lead the execution of tax strategy across…
Est. 120,000 EUR
Head of Tax Strategy About the team SumUp’s tax team is evolving, and this role will play a critical part in shaping its next chapter. Reporting to the Global Head of Tax, you’ll lead the execution of tax strategy across…
Est. 90,000 EUR
Location: Berlin, Germany (office first) Team description Our Platform Tribe builds Fleet, the infrastructure foundation that every engineering team at SumUp relies on to ship safely and quickly. Fleet gives teams a stab…
Tax Accountant 📽 Take a look inside our Sofia office About the team The Record to Report (R2R) team sits at the heart of SumUp's financial close cycle, turning complex, multi-entity accounting data into accurate, audit-…