Credit Compliance Lead Office: United Kingdom Remote

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.

We’re hiring a Director of UK Compliance to join Cleo’s Legal, Compliance & Policy team in a pivotal role focused on building and leading our new credit and other regulated products compliance program in the UK. This is an opportunity to take ownership for Cleo’s UK regulated products, helping shape the framework, processes, and governance that will support our next phase of growth.

You’ll serve as the UK Compliance leader, acting as a key partner to the business and a trusted subject matter expert on FCA and CONC requirements, regulatory obligations, and compliance risk. From maintaining existing authorisation and reporting obligations to supporting new licences and approvals tied to future products, you’ll play a central role in helping Cleo scale responsibly and confidently in the UK market.

This role is ideal for someone who enjoys building from the ground up, thrives in fast-moving fintech environments, and is excited by the chance to create a strong, modern compliance program within an international legal, compliance, and policy function. You’ll have significant ownership, visibility, and the opportunity to help shape both the regulatory strategy and the team around it.

Proven ability to serve as SMF 16 (Compliance) and SMF 17 (AML)

Take ownership over these key responsibilities for UK compliance program, ensuring it is fit for a growing fintech business and aligned to regulatory expectations, business strategy, and product expansion.

Own compliance for UK credit and other regulated products

Act as the compliance lead for Cleo’s UK regulated offerings, advising on applicable FCA rules and broader regulatory requirements across the product lifecycle, from design and launch through ongoing oversight and change management.

Provide AML and financial crime leadership

Support and oversee UK AML compliance requirements, including advising on relevant regulations, financial crime controls, and governance.

Manage FCA engagement and regulatory relationships

Serve as a primary point of contact for UK regulatory matters, including interfacing with the FCA, supporting regulatory queries, examinations, and investigations, and ensuring the business is prepared, responsive, and well-documented.

Maintain regulatory authorisations and reporting obligations

Oversee ongoing compliance obligations tied to existing UK authorisations, including regulatory reporting, governance requirements, and internal controls needed to maintain a strong compliance posture.

Support new licences and regulatory approvals

Partner with Legal, Product, and business stakeholders to support applications for new licences, permissions, and authorisations associated with new products, including credit-related permissions and other regulated activity as needed.

Partner cross-functionally to embed compliance

Work closely with Legal, Product, Engineering, Operations, and other teams to translate regulatory requirements into practical, scalable processes and controls that enable the business to move quickly while managing risk appropriately.

Drive compliance risk management and issue resolution

Identify, assess, and elevate compliance…