Lead Product Manager - Fraud Infrastructure
London Area, United Kingdom Full-time Posted 6 days ago
About The Company
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 $300 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
Cleo is building regulated financial products across multiple geographies, and fraud controls need to scale with that ambition. We’re looking for a Product Manager to own the infrastructure that makes fraud decisioning consistent, reliable, auditable, and fast to iterate across Cleo’s products and markets.
This role sits at the intersection of Fraud Strategy, Risk, Credit, Compliance, Engineering, Operations, and product teams. You will turn fraud strategy into scalable platform capabilities that protect Cleo and our customers, while supporting growth, approval rates, customer experience, and regulatory expectations.
What you'll own
You will own Cleo’s fraud decisioning platform, including rules, orchestration, event pipelines, vendor routing, and decision flows across onboarding, transactions, account activity, and new product launches.
You will be responsible for ensuring fraud controls are built through reusable platform capabilities, not fragmented or bespoke logic across individual products.
Key Responsibilities
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.
Download the Test Flight
App access for people in the UK & Europe: If you are an iOS user, please use this link to sign up to our TestFlight version of the app, so you can have a play around with the functionality and features: https://testflight.apple.com/join/fDG9hWng
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
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 $300 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
Cleo is building regulated financial products across multiple geographies, and fraud controls need to scale with that ambition. We’re looking for a Product Manager to own the infrastructure that makes fraud decisioning consistent, reliable, auditable, and fast to iterate across Cleo’s products and markets.
This role sits at the intersection of Fraud Strategy, Risk, Credit, Compliance, Engineering, Operations, and product teams. You will turn fraud strategy into scalable platform capabilities that protect Cleo and our customers, while supporting growth, approval rates, customer experience, and regulatory expectations.
What you'll own
You will own Cleo’s fraud decisioning platform, including rules, orchestration, event pipelines, vendor routing, and decision flows across onboarding, transactions, account activity, and new product launches.
You will be responsible for ensuring fraud controls are built through reusable platform capabilities, not fragmented or bespoke logic across individual products.
Key Responsibilities
- Own the roadmap for Cleo’s fraud decisioning platform across products and geographies.
- Build and improve rules engines, orchestration layers, event pipelines, decision APIs, and fraud-control workflows.
- Own SEON, Socure, and other fraud vendor implementations, including routing, orchestration, performance, reliability, and cost efficiency.
- Translate fraud strategy into live, scalable product and platform implementations.
- Partner with Fraud Strategy, Risk, Credit, Compliance, and Engineering to ship controls that balance fraud prevention, customer experience, approval rates, and regulatory requirements.
- Embed fraud controls into new regulated product launches from the start, ensuring controls are reusable, observable, and auditable.
- Develop scalable tooling for fraud operations, reducing manual work and improving speed, consistency, and investigation quality.
- Own system health for fraud infrastructure, including reliability, latency, scalability, monitoring, auditability, and fallback paths.
- Ensure fraud decisions are measurable, explainable, and traceable through decision logs, reason codes, dashboards, and feedback loops.
- Drive consistency in fraud controls across markets, products, and customer journeys.
- Fraud controls are consistent across Cleo’s products and markets.
- New product launches have fraud controls embedded by default.
- Fraud strategy can be implemented quickly without bespoke engineering work each time.
- Vendor integrations are reliable, measurable, cost-effective, and easy to iterate.
- Fraud ops teams spend less time on manual work and more time on high-value investigations.
- Fraud decisioning is observable, auditable, and production-grade.
- Cleo can scale regulated products into multiple geographies with confidence in its fraud-control infrastructure.
- Experience building platform, risk, fraud, fintech, payments, identity, or regulated-product infrastructure.
- Strong product judgment in complex systems with multiple stakeholders.
- Ability to translate strategy and risk requirements into scalable product and engineering roadmaps.
- Comfort working with rules engines, decisioning systems, vendor integrations, event-driven systems, APIs, dashboards, and operational tooling.
- Strong cross-functional leadership across Engineering, Risk, Compliance, Credit, Operations, and Product.
- Ability to balance fraud prevention, growth, customer experience, regulatory expectations, and operational efficiency.
- A bias for scalable systems over manual process or one-off solutions.
- 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/
- 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.
- 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.
Download the Test Flight
App access for people in the UK & Europe: If you are an iOS user, please use this link to sign up to our TestFlight version of the app, so you can have a play around with the functionality and features: https://testflight.apple.com/join/fDG9hWng
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
