About The Company
About Cleo
At Cleo, we're not just building another fintech app. We're embarking on a mission to fundamentally change humanity's relationship with money. Imagine a world where everyone, regardless of background or income, has access to a hyper-intelligent financial advisor in their pocket. That's the future we're creating.
Cleo is a rare success story: a profitable, fast-growing unicorn with over $200 million in ARR and growing over 2x year-over-year. This isn't just a job; it's a chance to join a team of brilliant, driven individuals who are passionate about making a real difference. We have an exceptionally high bar for talent, seeking individuals who are not only at the top of their field but also embody our culture of collaboration and positive impact.
If you’re driven by complex challenges that push your expertise, the chance to shape something truly transformative, and the potential to share in Cleo’s success as we scale, while growing alongside a company that’s scaling fast, this might be your perfect fit.
Follow us on LinkedIn to keep up to date with new product features and insights from the team.
About Cleo
At Cleo, we're not just building another fintech app. We're embarking on a mission to fundamentally change humanity's relationship with money. Imagine a world where everyone, regardless of background or income, has access to a hyper-intelligent financial advisor in their pocket. That's the future we're creating.
Cleo is a rare success story: a profitable, fast-growing unicorn with over $200 million in ARR and growing over 2x year-over-year. This isn't just a job; it's a chance to join a team of brilliant, driven individuals who are passionate about making a real difference. We have an exceptionally high bar for talent, seeking individuals who are not only at the top of their field but also embody our culture of collaboration and positive impact.
If you’re driven by complex challenges that push your expertise, the chance to shape something truly transformative, and the potential to share in Cleo’s success as we scale, while growing alongside a company that’s scaling fast, this might be your perfect fit.
Follow us on LinkedIn to keep up to date with new product features and insights from the team.
What You'll Be Doing
We're looking for a Fraud Strategy & Analytics Specialist to drive clarity, insight, and direction across Cleo’s fraud landscape. This role sits at the intersection of data, risk, and operations, and is critical to ensuring we protect users and the business while continuing to scale access to financial support.
You’ll lead the team that analyses Cleo’s fraud performance, surfaces attack trends, and drives mitigation strategy across the business. You’ll be working alongside a fully stacked product team full of passionate people. This isn’t just about reporting: you’ll set the overall fraud strategy, work with the PM to help shape the roadmap, set policy, and identify systemic risk. You'll work closely with Business Ops, Product, Engineering, and Compliance to bring structure, insight, and forward motion to some of Cleo’s highest-leverage problems.
This is an ideal role for someone who combines sharp analytical thinking with domain fluency, and who wants to build systems, processes, and strategy.
Roles & Responsibilities
Pillar leadership
Own fraud insights and analytics
- You’ll be the face of fraud prevention, detection, and response at Cleo, owning key company metrics
- Lead a team of analysts to deliver reporting, investigation, and trend analysis across disbursements, repayments, identity abuse, and platform misuse
- Define and iterate on key fraud metrics (e.g. fraud rate, false positive rate, loss per user) and track performance across initiatives and vendors
- Deep-dive attack vectors and failure modes to inform system and policy improvements
Shape Cleo’s fraud strategy
- Identify where our current detection, eligibility, or operational controls are falling short and recommend where to invest
- Collaborate with Product and Engineering at Cleo as well as our third party fraud vendors to design smarter prevention mechanisms and higher-fidelity risk signals
- Balance user experience, growth, and protection in how we scale access to financial products
Partner and influence across the org
- Translate fraud insights into clear priorities for Product, Ops, Compliance, and Vendor teams
- Support roadmap planning and vendor evaluation by contributing data, risk trade-offs, and policy context
- Help Cleo respond to new fraud threats and regulatory shifts with structure and foresight
Scale our operating model
- Build tooling, processes, and frameworks to make Cleo more responsive, data-driven, and proactive in tackling fraud
- Own team rituals and planning for the fraud analytics function
- Help hire, onboard, and level up new analysts and operational partners as the function grows
About You
- Proven experience in fraud or risk mitigation roles in fintech, payments, or financial services
- Excellent analytical skills with fluency in turning raw data into actionable insight (strong SQL skills required; python a nice to have)
- Experience managing or mentoring analysts; you know how to structure and prioritise team output
- Strong understanding of fraud typologies (e.g. ATO, synthetic identity, repayment abuse), detection methods, and mitigation trade-offs
- Confidence influencing stakeholders across product, engineering, and compliance
- Commercial awareness: you understand how fraud interacts with key business economics (losses, margins, user experience)
- A bias to action and continuous improvement: you’re comfortable iterating, challenging assumptions, and learning fast
Nice To Have
- Experience with third-party fraud tools or vendor management
- Familiarity with short term and revolving credit products
- Exposure to both UK and US regulatory frameworks
What do you get for all your hard work?
- A competitive compensation package (base + equity) with bi-annual reviews, aligned to our quarterly OKR planning cycles. You can view our public progression framework and salary bandings here: https://cleo-ai.progressionapp.com/
- Work at one of the fastest-growing tech startups, backed by top VC firms, 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. We work with everyone to make sure they have the balance they need to do their best work
- Work where you work best. We’re a globally distributed team. If you live in London we have a hybrid approach, we’d love you to spend one day a week or more in our beautiful office. If you’re outside of London, we’ll encourage you to spend a couple of days with us a few times per year. And we’ll cover your travel costs, naturally.
- Other benefits;
- Company-wide performance reviews every 6 months
- Generous pay increases for high-performing team members
- Equity top-ups for team members getting promoted
- 25 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo, up to 30 days)
- 6% employer-matched pension in the UK
- Private Medical Insurance via Vitality, dental cover, and life assurance
- Enhanced parental leave
- 1 month paid sabbatical after 4 years at Cleo
- Regular socials and activities, online and in-person
- We'll pay for your OpenAI subscription
- Online mental health support via Spill
- Workplace Nursery Scheme
- And many more!
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.
UK App access: The Cleo app is no longer downloadable in the UK (but only until next year). If you’re an existing user, you’ll still have access to the app. But some features won’t be available (just for a little while). Why? 99% of our users are based in the US – where financial health is often overlooked. We’ve decided to shift our focus to where we can provide the most value and make the greatest impact for users who need it most. Then we’ll be able to apply what we learn to better support our UK users in the future.
By submitting this application, I confirm that all the information given by me in this application for employment and any additional documents attached hereto are true to the best of my knowledge and that I have not wilfully suppressed any material fact. I confirm I have disclosed if applicable any previous employment with CLEO. I accept that if any of the information given by me in this application is in any way false or incorrect, my application may be rejected, any offer of employment may be withdrawn or my employment with CLEO may be terminated summarily or I may be dismissed. By submitting this application, I agree that my personal data will be processed in accordance with CLEO's Candidate Privacy Notice
