Fraud Prevention Strategy Specialist

Fraud Prevention team · Berlin, Germany (office-first)

Team description

SumUp's Fraud Prevention team protects merchants and their customers by stopping fraud across multiple markets, products and payment types, with a strong focus on Europe. As a Fraud Prevention Strategy Specialist, you'll turn data into the rules, thresholds and authentication flows that decide which payments go through, helping us reduce losses without adding friction for genuine customers. It's a role for someone who enjoys complex problems, wants real influence over how fraud prevention evolves, and likes turning changing European regulation into practical controls.

What you'll do

• Shape fraud prevention strategy for SumUp's consumer and merchant products across global markets
• Analyse large datasets to spot fraud trends, performance shifts and opportunities to improve
• Design, configure and test decision engine rules, thresholds and authentication strategies, including Strong Customer Authentication (SCA) flows, and provide analytical input for data science models
• Monitor fraud, chargeback and false positive performance, then investigate root causes and recommend clear, evidence based actions
• Turn PSD2, European card scheme rules and regulatory change into practical fraud controls

What you'll bring

• Proven experience in fraud prevention, fraud strategy or risk management within payments, fintech or another data driven environment, including hands on work configuring decision engines, rule based systems or authentication strategies.
• Strong knowledge of PSD2 and SCA, including exemptions and 3D Secure flows, plus a solid understanding of European card networks (such as Visa, Mastercard and regional schemes) and their fraud and dispute rules.
• Advanced skills in SQL and Python, with experience working on data pipelines and large datasets.
• Good understanding of Card Present and Card Not Present fraud patterns, and of how fraud, authentication and customer behaviour differ across European and global markets.
• Ability to balance friction, fraud losses and false positives when making decisions, and to explain recommendations clearly to technical teams, business teams and senior stakeholders.

Why you should join SumUp

• 🌎 Opportunity to work with SumUppers globally on large-scale fintech products used by millions of businesses worldwide, from our Berlin office. This involves an office-first set up
• 🌈 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 for your individual development, which can be used to attend conferences and/or advance your career through further education
• 💶 A corporate pension scheme where we match up to 20% of your contributions
• 🏖 Generous time off: enjoy 28 days of paid leave plus public holidays and special leave days
• 🎁 Numerous other benefits such as Urban Sports Club subsidy, Kita placement assistance, subsidised office lunches
• 🌴 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 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.