Motivated by potential phenomenological applications, we develop the necessary tools for building GUT models in F-theory. This approach is quite flexible because the local geometrical properties of singularities in F-theory compactifications encode the physical content of the theory. In particular, we show how geometry determines the gauge group, matter content and Yukawa couplings of a given model. It turns out that these features are beautifully captured by a four-dimensional topologically twisted Script N = 4 theory which has been coupled to a surface defect theory on which chiral matter can propagate. From the vantagepoint of the four-dimensional topological theory, these defects are surface operators. Specific intersection points of these defects lead to Yukawa couplings. We also find that the unfolding of the singularity in the F-theory geometry precisely matches to properties of the topological theory with a defect.