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.

We’re looking for a Compliance Manager (Testing & Audit) 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 testing, issue management, monitoring and audit functions of our Compliance program as we scale rapidly over the next 3-5 years.

Some of the things you'll get involved with:

• Lead external audit and partner testing initiatives; manage documentation, communication and updates to bank partners in this area; 
• Manage company state licensing applications through NMLS and lead license related and other regulatory examinations
• Drive compliance oversight of action plans to ensure timely closure, in partnership with relevant internal stakeholders
• Partner with internal stakeholders on cross functional issue management initiatives, working to identify, log and close out issues
• 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 consumer banking, payments or lending Testing/Audit  
• You’re comfortable carving your path in a fast-paced environment
• Strong familiarity with NMLS
• 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

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. Our US team works fully remotely, but we host virtual socials and an annual company offsite in Europe with all expenses paid.
• 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
• 15 days annual leave a year + public holidays (+ an additional day for every year you spend at Cleo)
• 401k matching
• Medical Insurance, Dental and Vision care
• Generous 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
• 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.