This is a ‘Level 4’ position. Cleo has 5 internal levels of competency within Product.  See our skills framework for how we differentiate on seniority.

We strongly encourage applications from people of colour, the LGBTQ+ community, people with disabilities, neurodivergent people, parents, carers, and people from lower socio-economic backgrounds.

If there’s anything we can do to accommodate your specific situation, please let us know.

About Cleo

Most people come to Cleo to do work that matters. Every day, we empower people to build a life beyond their next paycheck, building a beloved AI that enables you to forge your own path toward financial well-being.

Backed by some of the most well-known investors in tech, we’ve reached over 7 million users and plan to double that number each year... which is where you come in.

Follow us on LinkedIn to keep up to date with new product features and insights from the team.

About You

• You’ve spent over 4 years in the trenches of fraud management within a bank or a buzzing fintech startup.
• You’re a natural at leading, mentoring, and boosting team morale, armed with exceptional people skills and a track record of guiding teams to success.
• Your analytical prowess is top-notch
• Tackling fraud’s complex challenges head-on excites you, and you’re not afraid to dive deep into the details when needed.
• You’re a strategic thinker, always considering the broader impact of tweaks to our fraud prevention measures.
• You’re no stranger to leveraging automation and machine learning to tackle fraud and AML issues on a grand scale.
• You’re well-versed in implementing and enhancing security measures like multi-factor authentication, keeping us at the forefront of industry standards.
• You’re ready to spearhead our fraud management strategy, ensuring it stays robust across all products, present and future.

Your Responsibilities

• Collaborate with our payments and fraud team as the visionary force, steering our fraud management roadmap with precision.
• Keep an eagle eye out for tell-tale signs of fraud, especially in uncharted territories, by analysing user behaviour for red flags.
• Partner with our analytics squad to craft detailed reports via SQL, pinpointing fraudulent patterns in our transactions.
• Refine and evolve our risk control measures to strike the perfect balance between efficiency and effectiveness.
• Take charge of keeping our fraud rates minimal, constantly seeking ways to tighten the net.
• Evaluate and enhance our toolkit, advocating for the adoption of new technologies or services that could sharpen our edge.
• Work hand-in-glove with our product and engineering teams to dream up features that not only elevate user experience but also bolster security and minimise hassles.
• Maintain a close partnership with our Compliance Officers, ensuring all AML and compliance obligations are met with flying colours.

What do you get for all your hard work?

• A competitive compensation package (base + equity). You can view our progression framework and salary bandings here: https://cleo-ai.progressionapp.com/data - this is a level 4 position and we can pay £102,535 - £127,707p.a depending on experience.
• Work at one of the fastest-growing tech startups, backed by top VC firms, Sofina, Balderton & EQT Ventures
• A clear progression plan. We want you to keep growing. That means trying new things, leading others, challenging the status quo and owning your impact. Always with our complete support.
• Flexibility: We can’t fight for the world’s financial health if we’re not healthy ourselves. This means all the usual perks but it also means flexibility. We take pride in being a flexible workplace that trusts our Cleople to deliver their best work, giving you the autonomy to structure your day around morning drop-offs to school or daily dog walks.
• Work where you work best. We’re a globally distributed team. If you live in London we have a hybrid approach, we encourage you to spend one day a week or more in our beautiful office but this is fully flexible. If you’re 2+ hours outside of London, we’ll encourage you to spend a couple of days with us in-person a few times per year - and we’ll cover your travel costs, naturally.
• Other benefits;
  • • 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo)
    • Check out our new benefits package here:https://web.meetcleo.com/blog/big-benefits-energy-the-latest-cleo-employee-benefits
    • 401k matching in the US and 6% employer-matched pension in the UK
    • 1 month paid sabbatical after 4 years at Cleo!
    • Regular socials and activities, online and in-person
    • Online mental health support via Spill
    • We’ll pay for your OpenAI subscription 
    • And many more!