AI AML Engineer

About

The AI AML Engineering Squad operates at the intersection of machine learning and financial crime prevention. They build data products and ML systems to ensure SumUp's transaction monitoring is effective and compliant across 37 markets. This role offers genuine ownership over models, pipelines, and risk scoring that determine how suspicious activity is handled to satisfy regulators. The role is ideal for individuals motivated by technical depth, real-world impact, and the challenge of making ML work reliably in a high-stakes environment.

SumUp is on a mission to empower small businesses globally by providing simple and affordable tools. Over 4 million businesses in 37 markets rely on SumUp. Their diverse team of over 3,000 SumUppers from over 90 nationalities is united by global collaboration and an innovative mindset. SumUp fosters inclusivity and a continuous learning culture, providing a safe space for personal and professional growth.

Responsibilities

• Build, maintain, and improve ML models and batch training pipelines for AML transaction monitoring, focusing on detection quality, operational efficiency, and regulatory compliance.
• Engineer Feature Store features mapped to AML typologies and suspicious behaviours, collaborating closely with AML investigators to translate domain knowledge into alerting logic and threshold calibration.
• Conduct sensitivity tests on synthetic datasets, produce ML governance artefacts (e.g., model cards), and deliver audit-ready documentation to meet regulatory expectations.
• Own and evolve the AML Risk Score by analysing driver contributions, monitoring drift, running back-testing, and recommending improvements to features, logic, and thresholds.
• Partner with AML Operations, Product, and Engineering to translate stakeholder needs into actionable, scalable data science solutions.
• Track and improve detection performance metrics, adapt solutions to regional compliance requirements, and contribute to system design documentation.

Requirements

• Strong Python skills with hands-on data engineering experience and a proven track record of building reliable, production-grade ML workflows.
• Experience in feature engineering and unsupervised machine learning, with the ability to translate domain knowledge into model behaviours and alerting logic.
• Proven ability to productionalise ML applications and operate end-to-end pipelines, including monitoring, versioning, and rollback in regulated environments.
• Comfort working across complex, multi-source data ecosystems where data quality, lineage, and root-cause analysis require careful attention.
• Clear communication skills with the ability to align cross-functional stakeholders, set expectations, and turn ambiguous compliance needs into a concrete technical plan.

Why you should join SumUp

• Opportunity to work with SumUppers globally on large-scale fintech products.
• Commitment to Diversity and Inclusion.
• Enrolment onto our Virtual Stock Option programme.
• A dedicated annual L&D budget of €2,000 for individual development.
• A corporate pension scheme with company matching.
• Generous time off: 28 days of paid leave plus public holidays and special leave days.
• Numerous other benefits such as Urban Sports Club subsidy, Kita placement assistance, and subsidised office lunches.
• Break4me: 1-month sabbatical after 3 years of service.
• Referral Bonus program.