Job Application for Compliance Manager at Cleo

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.

We’re looking for a Compliance Manager to work closely with our Compliance Team in the U.S. This is a brand new role reporting to our Head of Legal and Compliance.

We’re building a world-class, data-driven and tech-focused Compliance team as we grow, driving us toward our next fundraise and beyond. You’ll take the lead in managing the day-to-day operations of our Compliance program as we scale rapidly over the next 3-5 years.

Some of the things you'll get involved with:

Support our bank partnerships by attending and eventually leading weekly meetings with our bank partners
Assist with regulatory examinations, audits and state licensing
Provide compliance advice and guidance to internal business partners
Lead compliance oversight of complaints response and overall program; able to identify, analyze and communicate trends and suggest mitigation pathways
Able to lead the vendor management function, proactively conducting vendor due diligence and identifying scenarios where additional oversight may be required
Review marketing and consumer-facing assets for UDAAP and other regulatory red flags
Coordinate and manage vendor-provided compliance training
As we scale, you’ll help us identify new opportunities to enhance compliance and protect the businesses from unreasonable risk

What are we looking for?

You have at least five years of work experience in a bank or fintech compliance role, focusing on financial services consumer banking, payments, or lending compliance
You’re comfortable carving your path in a fast-paced environment
You’re able and excited to conceive of and execute projects independently
You have the ability to quickly pick up new concepts, and dive into a problem with a solutions-oriented, outcome-focused mindset – even with no prior background in the subject matter
Demonstrated problem-solving and analytical capabilities, and the ability to develop creative solutions for challenging, open-ended problems

Nice to have:

You are located in the EST timezone
Experience working for a global company across different time-zones
Experience working with NMLS

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/. This is a LC3 role (the LC framework is not yet live on the website) and we can pay between $100,000 - $125,024 p.a., depending on experience.
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.

Compliance Manager

Apply for this job