Compliance Officer

About SumUp

We believe in the everyday hero, those who have the courage to follow their passion and the determination to turn it into something real. Small business owners are at the heart of everything we do. That’s why we’re building simple, powerful financial tools to help them get paid, manage their money, and grow their business - all in one place. 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 entrepreneurs can succeed doing what they love.

Team Description

You’ll join our UK Compliance team. Together, we make sure SumUp operates safely, ethically, and in line with regulatory expectations across Europe. In this role, you’ll take the lead on compliance reviews and thematic testing across UK and EU regulatory areas such as PSD2/PSD3, Consumer Duty, and AML/CFT obligations. You’ll dive deep into emerging regulation, perform gap analyses, and turn findings into practical, actionable improvements that strengthen our compliance culture.

You’ll work closely with stakeholders across Product, Operations, and Risk, building strong partnerships to embed regulatory insight early in our decision-making. From shaping policy updates to contributing to quarterly compliance reporting your work will directly influence how SumUp maintains trust and meets its obligations as we grow across Europe. As part of a collaborative, experienced team, you’ll play a key role in evolving our compliance framework, ensuring it remains proportionate, scalable, and future-ready all while helping create a fintech environment where doing the right thing is everyone’s business.

What You’ll Do

• Lead and execute thematic compliance reviews across UK and EU regulatory requirements.
• Perform compliance testing and sampling, from planning and scoping to execution, documentation, and reporting.
• Analyse findings, prepare practical remediation plans, and work cross-functionally to track delivery.
• Prepare and contribute to quarterly compliance reports with insights, trends, and root-cause analysis to management and the Board.
• Maintain and enhance the regulatory horizon scanning register, ensuring new regulations are captured and assessed.
• Conduct gap analyses against guidance issued by the FCA, CBI, and other European authorities.
• Support policy and procedure updates, ensuring documentation remains current and proportionate.
• Provide QA and oversight on regulatory reporting submissions.
• Partner with Product and Operations teams to enable new feature launches and market expansions in the UK and EU.
• Be a trusted compliance advisor, providing clear, pragmatic, and solutions-oriented advice.
• Provide support to the Head of Compliance in liaising with the regulators and auditors.

You’ll Be Great for This Role If

• You have a strong background in compliance, risk, or regulatory roles.
• You’ve delivered compliance monitoring or thematic reviews and can operate independently.
• You understand UK and/or EU financial services regulation.
• You’re an analytical thinker with strong judgment and attention to detail.
• You’re confident in communicating complex topics clearly.
• You build strong relationships and can challenge the business constructively.
• You’re proactive, pragmatic, and commercially aware.

Why You Should Join SumUp (London)

• 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 VSOP program: 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.
• Health matters: Vitality health cover, 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 2x 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.

At SumUp, we’re on a mission to empower small businesses around the world with simple, affordable tools to help them start, run, and grow. More than 4 million merchants across 36 markets trust us as their financial partner - and we’re just getting started. We’re a global team of 3,000+ people from over 90 nationalities, united by curiosity, collaboration, and care. Our core values and culture shape everything we do, fostering inclusion, learning, and belonging. SumUp is proud to be an Equal Employment Opportunity employer, committed to building a safe, respectful, and diverse workplace where everyone can thrive.

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.