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Meet the no B.S. money app that's helped 4 million people budget better, build credit, and escape their overdraft.

Cleo Icon

FinTech

Cleo is the no B.S. With Cleo, you can budget better, build credit, and escape your overdraft. Whether you're a student or a professional, Cleo has something to offer you. With Cleo, budgeting becomes hassle-free. Their AI assistant makes it easy to create budgets that actually work, without feeling restricted. Cleo also provides tools and gifs to help you save money fast, turning saving into a side hustle. And if you need a little extra cash, Cleo offers cash advances of up to $250 with no interest or credit checks. In addition to their budgeting and saving features, Cleo also helps you build credit. They offer the Credit Builder Card, which can unf*ck your credit without the need for credit checks. Rest assured, Cleo takes your security seriously. They use the same encryption as your bank, and they never store your bank login details. Try Cleo now for free and experience a stress-free approach to managing your money.

Cleo AI

Cleo Logo

Cleo is an AI personal finance assistant that is changing the world's relationship with money. The company was one of the first to make great use of chatbots within Facebook's messenger app, building a strong brand presence with bold, fun, Gen Z-focused messaging. With millions of registered users and $137.7m in total funding across 6 rounds, Cleo operates in the fintech, B2C, artificial intelligence, banking, personal finance, and financial services/SaaS sectors. The company has 501-1000 employees and is focused on delivering innovative financial products that meet the needs of younger consumers who expect more from their everyday banking experiences.

## Who you are

- Significant production Analytics Engineering experience, including technical leadership for a critical data domain
- Expert SQL and dbt, with strong judgement on source, staging, intermediate, mart and semantic-layer design
- Experience making architectural decisions about grain, history, slowly changing dimensions, incremental strategies, legacy boundaries and model contracts
- Experience leading a source-system migration or cutover while preserving history and reconciling outputs
- Strong data security and governance experience, including named access, least privilege, restricted schemas, masking or column controls, and auditable use of sensitive data
- Experience using warehouse access and query logs to create useful monitoring, investigation evidence or alerts
- Strong Git, PR review, testing, documentation and production-support habits
- The ability to explain technical choices and trade-offs clearly to Analytics, Security and non-technical business owners
- Evidence of leaving a complex data domain maintainable after handover
- Sound judgement and discretion when working with confidential employee, compensation and performance information

### Desirable

- Hands-on experience with HiBob or Ashby. Experience with another HRIS or ATS is also useful
- Experience working with engagement or survey data
- People or HR data experience, including effective-dated employment and organisation history
- Redshift, Airflow, Fivetran, Lake Formation or similar access-control and orchestration tooling
- Experience designing privacy-preserving analytical products for compensation or other highly restricted data
- Experience leading a data domain independently while partnering effectively with platform and engineering teams

## What the job involves

- **Contract:** Up to six months, with a formal review at the end of month four
- **Team:** People Analytics, partnering across Data and People
- Cleo's People data spans core employee, recruitment, performance and engagement systems. We need a reliable foundation that connects these sources, preserves change over time and enables sensitive workforce information to be used safely
- We are looking for a Lead Analytics Engineer to own the architecture and modelling for this work. You will partner with the teams responsible for our People systems, data platform, security and privacy, turning source data into trusted datasets that People Analytics and leadership can use
- This is a time-bound assignment for someone who can make difficult technical decisions independently, work across Analytics, Security, Privacy and the People team, and leave the domain supportable after handover. The work is ordered by priority. New requests will replace an agreed deliverable rather than stack on top
- Designing and building trusted models for hiring and applicant-tracking data from Ashby, and talent and performance data from HiBob, including source mappings, keys, history and reconciliation
- Strengthening the core employee model so it reliably represents employees, jobs, teams, managers and change over time
- Bringing engagement and survey data into the People data foundation in a consistent and reusable way
- Setting clear model boundaries, grain, naming, tests, documentation and data contracts across the People domain
- Identifying and resolving duplicate, legacy or conflicting People models without silently breaking downstream use
- Designing a secure architecture for compensation, workforce cost and other highly restricted fields. Normal analytical use should rely on masked, aggregated or purpose-specific outputs rather than broad access to raw employee-level data
- Designing and building a People data access-audit layer that makes restricted queries attributable to a named identity, retains useful evidence, and alerts the right owner to agreed unauthorised or high-risk access patterns
- Working with Security, Privacy, Finance, Reward and business owners to agree access rules, disclosure controls and acceptance before restricted data is used
- Creating a small set of clear, governed workforce measures and datasets for leadership reporting, while using the native reporting in People systems where it already meets the need
- Adding tests, monitoring, failure routes, runbooks and handover evidence so permanent owners can operate and change the work after the contract ends
- Enabling People Analytics to focus on workforce and hiring questions by providing reliable, secure and reusable data foundations
- The role will partner with the teams responsible for source systems and ingestion, while owning the design and quality of the People data models and foundations delivered through the assignment

**Work Arrangement:** Remote from UK

**Required Skills:** SQL, dbt, Git, Airflow, Redshift

**Level:** Senior and Expert

Cleo

Product Director @ Cleo | Femtech Founder | Angel Investor

Fernanda Dobal

Product Director, AI & Chat

Cleo AI Lead Analytics Engineer | Welcome to the Jungle (formerly Otta)

Lead AI Engineer

Analytics

Technical Leadership

dbt helps data teams work like software engineers—to ship trusted data, faster.

Cleo is seeking an Interim Lead Analytics Engineer for a six-month contract to manage architecture and modeling for People Analytics. The role involves designing secure data models, ensuring data governance, and collaborating with various teams to enhance data foundations. The position is remote from the UK.

Interim Lead Analytics Engineer

Data

## Company mission

To change the world's relationship with money.

## About Cleo

Cleo is an AI personal finance assistant serving 501-1000 employees. The company operates in the fintech, B2C, artificial intelligence, banking, personal finance, financial services, and SaaS sectors.

People are increasingly not satisfied with the products being offered by traditional banks, which have proven slow to react to the needs of younger consumers who expect more from their everyday experiences. Cleo was one of the first companies to make great use of chatbots that sit within Facebook's messenger app. This chatbot-first approach and Gen Z user base have given it strong virality. It now has millions of registered users, 99% of which are based in the US, leading to a decision to take a year break from the UK market to focus on its US Gen Z customers. And after a successful year in the US its now eyeing up a return to the UK.

## Company benefits

- Meaningful equity with early exercise, plus top-ups on promotion
- Primary caregiver: 18 weeks at full pay / Secondary caregiver: 6 weeks full pay, 6 weeks half pay (dependant on tenure)
- Paid 1-month sabbatical every 4 years
- Comprehensive health, dental & vision insurance
- Learning & development training platform
- Mental health support via Spill
- Company-wide performance reviews every 4 months
- We'll cover your OpenAI or Claude subscription
- Pension match up to 6%
- Life assurance
- 25 days annual leave + an extra day for every year you're at Cleo (up to five accrued days)

## Who you are

- 5+ years managing enterprise vendor partnerships in tech or fintech
- Strong negotiator with a track record of exceeding industry benchmarks
- Excellent requirements‑gathering and analytical skills
- Deep critical thinking ability; comfortable diving into complex problems
- Strong data literacy and experience with Excel or analytics tools
- Effective communicator who can simplify complex issues
- Experienced in collaborating cross‑functionally
- Experience in the US and/or UK open banking ecosystem, including data aggregation platforms, regulatory environments, and standards

**Desirable**

- Experience managing stakeholders across multiple countries and timezones
- Background in B2C embedded finance, consumer lending, payments, or cards
- Experience in high‑growth, VC‑backed startups
- Proven success driving business impact through vendor or partner relationships
- Experience improving operational processes
- Project management experience

## What the job involves

- As we scale, we're bringing new features and products into the ecosystem at an increasingly fast pace - across spending cards, credit score coaching, "debt crushing" services and beyond. To make this work at global scale, we're looking for a Partnership Lead who will own and elevate Cleo's most critical strategic partnerships, drive cross-functional alignment, and shape the partner ecosystem that powers our product
- Manage and grow Cleo's most important enterprise partnerships across payments, fraud, data and embedded finance
- Lead negotiations independently, consistently achieving above‑benchmark outcomes
- Build trusted relationships quickly with internal and external stakeholders

**Cross‑Functional Leadership**

- Align Product, Engineering, Data, Compliance, Risk, and Operations around shared partnership goals
- Act as the connector between internal teams and external partners, ensuring clarity of requirements and smooth delivery
- Build scalable processes for partner onboarding, contracting, and operational collaboration

**Product & Requirements Expertise**

- Gather and translate partner and user requirements into clear, actionable product specifications
- Maintain strong knowledge of Cleo's product ecosystem, especially partner‑enabled features
- Identify new product opportunities unlocked through partner capabilities
- Define partner KPIs and design data strategies to track performance
- Own commercial and operational reporting for enterprise partners, ensuring accuracy and internal adoption
- Communicate insights and opportunities proactively to stakeholders

**Operations & Efficiency**

- Manage day‑to‑day partnership operations across payments, fraud, data, new opportunities and compliance
- Drive efficiency improvements across the partner ecosystem, including reducing COGs and improving product delivery
- Oversee issue escalation and ensure strong execution across all partner workstreams

**Market & Strategy**

- Maintain deep understanding of fintech trends, competitor products, and regulatory changes
- Coach internal teams and leadership on relevant market developments
- Apply industry knowledge to shape Cleo's product and partnership strategy

**Compensation & Work Arrangement**

- Fixed Term Contract
- Salary not provided + Equity
- Senior and Expert level
- London
- Remote from UK

Product Director (AI & Chat)

Cleo AI Partnerships Lead | Welcome to the Jungle (formerly Otta)

Negotiation

The role involves managing and growing Cleo's strategic partnerships, driving cross-functional alignment, and shaping the partner ecosystem. It requires experience in fintech, strong negotiation skills, and the ability to manage enterprise vendor partnerships.

Interim Partnerships Lead

Sales

## Company mission

To change the world's relationship with money.

## About Cleo

Cleo is an AI personal finance assistant operating in the fintech space. The company was one of the first to make great use of chatbots within Facebook's messenger app, with a chatbot-first approach that has driven strong virality. It now has millions of registered users and is expanding its presence in the UK market after focusing on US Gen Z customers.

## Company benefits

- Meaningful equity with early exercise, plus top-ups on promotion
- Primary caregiver: 18 weeks at full pay / Secondary caregiver: 6 weeks full pay, 6 weeks half pay (dependant on tenure)
- Paid 1-month sabbatical every 4 years
- Comprehensive health, dental & vision insurance
- Learning & development training platform
- Mental health support via Spill
- Company-wide performance reviews every 4 months
- We'll cover your OpenAI or Claude subscription
- Pension match up to 6%
- Life assurance
- 25 days annual leave + an extra day for every year you're at Cleo (up to five accrued days)

## Company size & funding

501-1000 employees. Total funding: $137.7m across 6 rounds, with Series C ($80m in Jun 2022) and Series B ($44m in Dec 2020) being the most recent rounds.

## Who you are

- Significant compliance experience within UK financial services, ideally in a fintech or other fast-paced regulated environment
- Strong working knowledge of the FCA regulatory framework and experience supporting or leading compliance for UK regulated products
- Hands-on experience maintaining regulatory authorisations, managing FCA reporting obligations, and supporting ongoing regulatory compliance requirements
- Experience working directly with the FCA during regulatory reviews, examinations, investigations, or other supervisory interactions
- Experience supporting or leading applications for new licences, permissions, or authorisations, ideally including consumer credit or related regulated activities
- Ability to balance regulatory rigour with commercial pragmatism, providing clear advice that mitigates risk while enabling business objectives
- Strong judgment, ownership, and communication skills, with the ability to operate independently and influence senior cross-functional stakeholders
- Experience building or maturing compliance programs, frameworks, policies, and controls in a scaling business

### Desirable

- Experience in a startup or high-growth fintech environment
- Experience building a compliance program or function with a high degree of autonomy
- Strong knowledge of AML and financial crime compliance requirements, with experience serving as an MLRO or operating in a comparable senior AML-focused compliance role
- Prior people management experience, or readiness to lead and develop at least one team member
- Familiarity with product development processes and advising on compliance considerations for new products and features
- Relevant compliance certifications or professional qualifications in compliance, AML, or financial crime

## What the job involves

- We're hiring a UK Compliance Lead to join Cleo's Legal, Compliance & Policy team in a pivotal role focused on building and leading our UK compliance program
- This is an opportunity to take ownership of compliance for Cleo's UK regulated products, helping shape the framework, processes, and governance that will support our next phase of growth
- You'll serve as the compliance lead for the UK, acting as a key partner to the business and a trusted subject matter expert on FCA requirements, regulatory obligations, and compliance risk
- From maintaining existing authorisation and reporting obligations to supporting new licences and approvals tied to future products, you'll play a central role in helping Cleo scale responsibly and confidently in the UK market
- This role is ideal for someone who enjoys building from the ground up, thrives in fast-moving fintech environments, and is excited by the chance to create a strong, modern compliance program within an international legal, compliance, and policy function
- You'll have significant ownership, visibility, and the opportunity to help shape both the regulatory strategy and the team around it

### Key responsibilities

- Take ownership of developing and strengthening Cleo's UK compliance framework, ensuring it is fit for a growing fintech business and aligned to regulatory expectations, business strategy, and product expansion
- Act as the compliance lead for Cleo's UK regulated offerings, advising on applicable FCA rules and broader regulatory requirements across the product lifecycle, from design and launch through ongoing oversight and change management
- Serve as a primary point of contact for UK regulatory matters, including interfacing with the FCA, supporting regulatory queries, examinations, and investigations, and ensuring the business is prepared, responsive, and well-documented
- Oversee ongoing compliance obligations tied to existing UK authorisations, including regulatory reporting, governance requirements, and internal controls needed to maintain a strong compliance posture
- Partner with Legal, Product, and business stakeholders to support applications for new licences, permissions, and authorisations associated with new products, including credit-related permissions and other regulated activity as needed
- Support and help oversee AML compliance requirements, including advising on relevant regulations, financial crime controls, and governance
- Work closely with Legal, Product, Engineering, Operations, and other teams to translate regulatory requirements into practical, scalable processes and controls that enable the business to move quickly while managing risk appropriately
- Identify, assess, and escalate compliance risks; support investigations and remediation efforts; and help ensure that complaints, regulatory issues, and business changes are managed in a way that protects both customers and the company
- Contribute to the growth of Cleo's broader international compliance capabilities, with the opportunity to build processes, improve governance, and manage at least one direct report as the UK program expands

### Compensation & Work Arrangement

- £116-145k + Equity
- Fixed-Term Contract
- Senior and Expert level
- London
- Remote from UK

Cleo AI UK Compliance Lead | Welcome to the Jungle (formerly Otta)

Regulatory Compliance

The UK Compliance Lead at Cleo AI will build and lead the UK compliance program, focusing on FCA regulatory requirements and compliance risk management. The role involves developing compliance frameworks, managing FCA interactions, and supporting new licenses and authorizations.

Cleo AI

Jobs

Interim Lead Analytics Engineer

Interim Partnerships Lead

Interim UK Compliance Lead

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