Looking to do work that matters?

We get it – it’s why most people come to Cleo. Together we’re fighting for the world’s financial health, building an AI that helps our users make the best money decisions from day one. We’ve helped over 4 million people so far with personalised insights and a voice you don’t expect in FinTech. But it’s time to do more.

As we enter the next phase, we’re looking for more improvisers, data geeks and grown ups who want to own their work and create meaningful change.

What you’ll be doing

• Proactively investigating and identifying potentially fraudulent risk factors and trends.
• Using SQL to size the potential impact of specific fraud trends and to understand the user impact of mitigation strategies.
• Working with data science, analytics, engineering, and our customer champions to develop and implement fraud detection business rules and detection strategies that balance fraud loss and user experience.
• Leading reactive investigations and root cause analysis into events to identify product and business rule gaps and suggest risk mitigation actions.
• Using analytical tools to understand the precision and recall of existing rules, and optimising strategies to minimise user friction while maintaining low fraud rates.
• Developing and maintaining fraud investigation handbooks to consistently define what constitutes fraud on the platform and to identify the appropriate product response to fraud.
• Ensuring  that the fraud prevention strategy is being uniformly and consistently applied across products by monitoring false positive rates.

About You

• Have at least two years’ experience in financial fraud within the payments or e-commerce space and familiarity with security risk areas like card testing, account takeovers, phishing, etc.
• Have an understanding of common card-not-present and US ACH fraud schemes and mitigation strategies
• Are proficient in SQL (at least a basic level) and some dashboarding / data visualisation tools
• Enjoy problem solving and have a knack for pattern recognition
• Employ a customer-centric focus and creative thinking skills to suggest pragmatic mitigation strategies  
• Are able to see the big picture while enjoying digging in the weeds of specific fraud trends
• Have a familiarity with fraud detection machine learning models, understanding how they are used and how they can be evaluated

What do you get for all your hard work?

• We are paying between AX2-AX4 bandings.. We're prepared to pay for the very best. You can view our progression framework and salary bandings here: https://cleo-ai.progressionapp.com/
• Work at one of the fastest growing tech startups, backed by top VC firms, Balderton & EQT Ventures
• Cleo is a culture of stepping up. We want, and expect you to grow and develop. That means trying new things, leading others, challenging the status quo and owning your impact. You’ll have our support in everything you do. But more importantly, you’ll have our trust.
• We treat you as humans first, employees second. Because we can’t fight for the world’s financial health, if we’re not healthy ourselves. This means the usual perks but it also means flexibility.
• Other benefits include; 
• 25 days Annual leave a year + public holidays
• 4.30pm finish every Friday 
• Regular lunch-and-learns as part of a general learning culture
• Online courses and internal training to level up your skills like from coding, to SQL, to management training 
• Choose your own gear, ask for the tools you need, and we’ll seek them out for you 
• Cleo socials and activities 
• Online mental health support via Spill
• Access to Pushfar - online platform for external mentorship
• A clear career progression path through Progression https://cleo-ai.progressionapp.com/ 
• And many more!

We are committed to making Cleo a more diverse and inclusive workplace. We are making continuous changes in order to make sure that all voices, especially those of minorities are heard, supported and celebrated. Our work doesn't stop at hiring, and we are providing every employee with training, support and development throughout their Cleo career, alongside training specific to inclusivity.