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Cleo

Cleo

www.meetcleo.com

6 Jobs

394 Employees

About the Company

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.

Listed Jobs

Company background Company brand
Company Name
Cleo
Job Title
Product Analyst, Fraud
Job Description
Job Title: Product Analyst, Fraud Role Summary: Leverage data-driven insights to reduce fraud, safeguard revenue, and enhance user experience across a rapidly scaling fintech platform. Work cross‑functionally with fraud investigators, engineering, product, and data science teams to define, model, and monitor fraud metrics, optimize rules, pilot third‑party data sources, and run A/B tests for continuous improvement. Expectations: - Deliver actionable analytics that inform fraud strategy and support sustainable growth. - Develop and maintain dashboards, KPIs, and recurring reports that track fraud risk and effectiveness of controls. - Identify, model, and test fraud patterns, recommending rule changes and new detection mechanisms. - Collaborate with internal partners and external vendors to integrate risk data and enhance decision‑making. - Communicate findings and strategic recommendations to stakeholders across product and business units. Key Responsibilities: - Define fraud metrics, track KPIs, and assess risk impact on the company and users. - Analyze user behaviour and payment data to uncover indicators of fraud. - Work with fraud investigators to identify trends, optimize existing rules, and create new rules. - Partner with engineering, product, and data science teams to build and improve fraud prevention, detection, and response frameworks. - Evaluate third‑party partners for supplemental customer data and risk precision. - Design and run A/B experiments to refine fraud strategies and improve user experience. - Support strategic planning, roadmap development, and prioritization of fraud initiatives. Required Skills: - Quantitative analysis experience in a digital product environment. - Strong SQL expertise for extracting insights from complex data sets. - Ability to define metrics from scratch and build dashboards. - Experience with large‑scale A/B testing and experimentation. - Proven root‑cause analysis and process optimization skills. - Familiarity with both user‑facing product analytics and back‑end process improvements. - Data‑driven mindset with a track record of influencing product decisions. Required Education & Certifications: - Bachelor’s degree in Data Science, Statistics, Computer Science, Economics, or related field (equivalent experience may substitute). - No specific certifications required, but familiarity with data analytics tools (e.g., Python, R, Tableau, Looker) and fraud detection methodologies is advantageous.
London, United kingdom
On site
11-01-2026
Company background Company brand
Company Name
Cleo
Job Title
Data Analyst, Fraud
Job Description
**Job Title:** Data Analyst, Fraud **Role Summary** Frontline role in fraud prevention, analyzing data to identify and mitigate fraud risks. Focus on data-driven strategies to protect users and the business from emerging threats while collaborating with cross-functional teams. **Expectations** - Minimum 2+ years in Fraud Data Analyst or similar roles in payments, fintech, or e-commerce. - 2+ years of hands-on SQL experience for data analysis and trend identification. - Expertise in fraud typologies (identity theft, CNP fraud, account takeovers). **Key Responsibilities** - Investigate fraud incidents and disputes to identify patterns and trends. - Develop and refine fraud detection rules and mitigation strategies. - Analyze transactional data via SQL to produce actionable insights and reports. - Build and maintain dashboards tracking fraud KPIs and risk metrics. - Execute root-cause analysis and optimize detection strategies. - Present findings to stakeholders and collaborate with engineering, product, and compliance teams. - Partner with external fraud vendors and payment partners to resolve issues. **Required Skills** - Advanced SQL for data extraction and analysis. - Fraud typology understanding (payment fraud, identity theft, account takeovers). - Analytical rigor to identify anomalies and convert findings into prevention strategies. - Strong communication for clear stakeholder reporting. - Ability to manage urgent fraud cases while planning long-term prevention. **Required Education & Certifications** - Bachelor’s Degree in Computer Science, Data Analysis, or relevant field. - No certifications specified.
United kingdom
Remote
Junior
12-02-2026
Company background Company brand
Company Name
Cleo
Job Title
Lead Machine Learning Engineer, Chat
Job Description
**Job Title:** Lead Machine Learning Engineer, Chat **Role Summary:** Lead the design, deployment, and continuous improvement of machine learning solutions for Cleo’s chat evaluation features. Drive technical strategy, mentor a small team, and collaborate closely with product to enhance chatbot observability and AI development cycles. **Expectations:** - 5+ years in data science, ML engineering, or related roles. - Proven track record of deploying multiple production‑grade ML models. - Experience integrating and evaluating large language models (LLMs). - Strong ability to translate analytical insights into actionable product stories and communicate them to non‑technical stakeholders. - Ability to create short‑term roadmaps, manage project plans, and report progress to leadership. - Comfortable breaking tasks into incremental, testable components. **Key Responsibilities:** - Design and implement ML models that improve chatbot quality, user engagement, and payment success rates. - Fine‑tune LLMs using user interaction data and develop ranking systems for conversational context. - Build and maintain end‑to‑end pipelines for data ingestion, feature engineering, model training, and deployment. - Collaborate with product, engineering, and data teams to translate business needs into measurable ML objectives. - Mentor junior engineers, review code, and establish best practices for model quality and scalability. - Monitor deployed models’ performance, detect drift, and iterate on models and features. - Investigate and prototype new techniques such as LLM‑as‑a‑judge or advanced annotation pipelines. - Provide clear documentation, demos, and performance reports to stakeholders. **Required Skills:** - Python, SQL, and strong knowledge of statistical fundamentals. - Production‑ready ML experience: model training, deployment pipelines, monitoring, and scaling. - Familiarity with Docker and container orchestration for model hosting. - Experience with large language models, including fine‑tuning and evaluation. - Ability to communicate complex findings to non‑technical audiences. - Project leadership: roadmap development, incremental planning, and cross‑functional coordination. **Nice to Have:** - Experience in LLM‑as‑a‑judge setups or annotation pipelines. - Familiarity with distributed training tools and cloud ML platforms. **Required Education & Certifications:** - Bachelor’s degree in Computer Science, Statistics, Engineering, or a related field (Master’s or higher preferred). - Relevant certifications (e.g., TensorFlow, PyTorch, or cloud ML services) are advantageous but not mandatory.
United kingdom
Remote
Senior
13-02-2026
Company background Company brand
Company Name
Cleo
Job Title
Principal Machine Learning Engineer - Chat
Job Description
**Job title:** Principal Machine Learning Engineer – Chat **Role Summary:** Lead end‑to‑end development of NLP and ML solutions that power conversational agents and transaction‑analysis features, driving product innovation and large‑scale deployment for a global user base. **Expectations:** - Guide technical strategy and architectural decisions for machine learning initiatives. - Mentor engineering teams on model selection, evaluation, and best practices. - Communicate research outcomes and adoption plans to cross‑functional stakeholders. **Key Responsibilities:** - Design, train, fine‑tune, and deploy state‑of‑the‑art NLP models and LLMs across production pipelines (Python, ML‑ops platforms). - Collaborate with backend, data analytics, UX, product, and annotation teams to ship features enhancing financial insights and chatbot interactions. - Lead exploratory projects on unseen problems, proposing scalable technical solutions. - Champion model evaluation, bias mitigation, and continuous improvement metrics. - Present findings at internal forums and external venues (conferences, blogs, open‑source). **Required Skills:** - Deep expertise in NLP, LLMs, and transformer architectures. - Proficiency in Python for data science and production (scikit‑learn, PyTorch/TensorFlow). - Experience with ML‑ops (model serving, CI/CD, monitoring). - Strong communication and stakeholder‑management abilities. - Leadership in technical teams, with proven influence on research‑to‑production workflow. - Knowledge of probability, statistics, and evaluation methodologies. **Required Education & Certifications:** - Ph.D. or Master’s degree in Computer Science, Machine Learning, Statistics, or related quantitative field. - Optional: Certifications in cloud ML services (e.g., GCP ML Engineer, AWS SageMaker).
London, United kingdom
Hybrid
Senior
25-02-2026