Cleo. Where AI meets money.
Cleo launched in 2016 by people who have been burned by banks. Fed up with the broken system, we decided it was time to make a change.
Since then, the cost of living has skyrocketed, the rich have continued getting richer, and our vision has only become clearer.
Our mission? To change the world's relationship with money.
Cleo is a platform for the 99% – an AI assistant defining a new category, one that goes beyond saving and budgets to actually changing how we feel about our finances.
Using simplicity and humor, she’s helped millions of people improve their relationship with money, because we believe that everyone has the potential to achieve financial well-being in just one generation.
Through a personalized chat, she provides you with deep insight about your money and tailored financial tools that increase your ability to save, all while making you laugh.
We’re a product for the next generation. That means that we are committed to inclusive and unbiased financial growth for all. It also means dropping the BS.
In the past year or so we’ve grown the Cleo team from 100 to 250+, and closed a $80m Series C led by Sofina (that’s a $500M valuation).
Want to get involved?
You know that awful feeling when you wake up wondering if what you’re about to do for the next 8 hours actually matters? That doesn’t happen here much.
Everything we do is grounded in purpose. And because we’re all showing up for the same reason, collaboration comes easy.
We have a culture of stepping up. We want, and expect you to grow and develop. You’ll have our support in everything you do. But more importantly, you’ll have our trust.
We treat our people as humans first, employees second, which means giving everyone a voice. All perspectives are embraced here.
Cleo. Where AI meets money.
Cleo launched in 2016 by people who have been burned by banks. Fed up with the broken system, we decided it was time to make a change.
Since then, the cost of living has skyrocketed, the rich have continued getting richer, and our vision has only become clearer.
Our mission? To change the world's relationship with money.
Cleo is a platform for the 99% – an AI assistant defining a new category, one that goes beyond saving and budgets to actually changing how we feel about our finances.
Using simplicity and humor, she’s helped millions of people improve their relationship with money, because we believe that everyone has the potential to achieve financial well-being in just one generation.
Through a personalized chat, she provides you with deep insight about your money and tailored financial tools that increase your ability to save, all while making you laugh.
We’re a product for the next generation. That means that we are committed to inclusive and unbiased financial growth for all. It also means dropping the BS.
In the past year or so we’ve grown the Cleo team from 100 to 250+, and closed a $80m Series C led by Sofina (that’s a $500M valuation).
Want to get involved?
You know that awful feeling when you wake up wondering if what you’re about to do for the next 8 hours actually matters? That doesn’t happen here much.
Everything we do is grounded in purpose. And because we’re all showing up for the same reason, collaboration comes easy.
We have a culture of stepping up. We want, and expect you to grow and develop. You’ll have our support in everything you do. But more importantly, you’ll have our trust.
We treat our people as humans first, employees second, which means giving everyone a voice. All perspectives are embraced here.
About The CompanyAbout 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.
Teeming tracks opportunities at over 24,000 AI startups, then works with you to find (and land) the one you'll love.
Software Engineer
Full-timeManchester, GB
Full-time • Manchester, GB
Frontend Developer
Part-timeCambridge, GB
Part-time • Cambridge, GB
Technical Writer
Full-timeHamburg, DE
Full-time • Hamburg, DE
Machine Learning Engineer
Full-timeRotterdam, NL
Full-time • Rotterdam, NL
DevOps Engineer
Full-timeNovi Sad, RS
Full-time • Novi Sad, RS
Machine Learning Engineer
InternshipLondon, GB
Internship • London, GB
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.
About The Role
We’re hiring Cleo’s first dedicated Senior Product Analyst for Legal, Compliance & Policy. This is a high-impact role focused on surfacing and scaling the insights that support Cleo’s regulatory strategy, compliance operations, and policy development.
You’ll bring together product, user, payments, and behavioural data to help Cleo understand how our experiences interact with regulatory expectations. Your work will support audits, licensing requirements, policy initiatives, and compliance-driven product improvements. Embedded within Legal, Compliance & Policy, you’ll partner closely with Product, Engineering, and the wider Data chapter to translate complex questions into clear, actionable insight.
As the first analyst dedicated to this area, you’ll be standing up Cleo’s compliance insights function. If you’re energised by ambiguous analytical questions, evolving regulatory contexts, cross-functional problem solving, and using data to strengthen how Cleo builds transparent, responsible products, this role is for you.
What you'll be doing
Cross-Functional Partnership & Compliance Insight
Work closely with Product, Engineering, and other cross-functional teams to support legal- and compliance-driven product initiatives — contributing analytical insight from early discovery through to implementation.
Compliance & Policy Intelligence Infrastructure
Build dashboards and reporting layers that bring consistency and transparency to how Cleo tracks key compliance and policy indicators. In addition, build alerting & monitoring for product-health KPIs (freshness, anomalies, incident spikes, definition drift) with runbooks and ownership, ensuring issues are surfaced early and managed effectively.
Product Journey Analysis
Analyse user journeys and product interactions to understand their implications for regulatory and policy requirements. Lead root-cause investigations on compliance issues; ship fixes (definitions/tests/controls) not just analyses.
Regulatory Response & Discovery
Triage, scope, and deliver time-sensitive regulator requests with audit-ready outputs and documented assumptions.
Regulatory Licensing Insights
Use product and user data to support EWA state licensing, compliance reviews, and other regulatory processes where accurate, well-structured insight is required.
Data Governance & Definitions
Own definitions & governance for metrics that underpin Cleo’s regulatory and compliance reporting — ensuring a single source of truth across the business.
What we're looking for
Must-Have
5+ years in product analytics, data analytics, analytics engineering, risk analytics, or similar roles in a digital or regulated environment.
Expert-level SQL, with the ability to interrogate complex datasets and build reliable analytical foundations.
Hands-on experience with BI tools (Looker, Mode, Tableau) and comfort working with large, interconnected datasets.
Experience conducting A/B tests end-to-end, including experiment design, configuration, and decision-making
Strong analytical intuition — Demonstrated structured problem solving in ambiguous, evolving compliance contexts.
Ability to translate evolving regulatory questions into structured, data-driven insights.
Demonstrated experience influencing product or business decisions through clear, narrative-driven analysis and confident communication with both technical and non-technical partners.
A bias for action, ownership, and accuracy — especially under time-sensitive conditions.
Nice-to-Have
Experience working in fintech, financial services, EWA, payments, or other regulated product lines.
Understanding of payment systems and how payment flows interact with product behaviour.
Prior exposure to compliance, risk, audit, policy, or regulatory projects.
Familiarity with dbt, Airflow, or other data-workflow tools.
What you'll get for your hard work
This is a level 3 position. Cleo has 5 internal levels of competency within Product Analytics. See our skills framework for how we differentiate on seniority.
A competitive compensation package (base + equity) with bi-annual reviews, aligned to our quarterly OKR planning cycles.
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 AI. 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 AI 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 AI's Candidate Privacy Notice
