[Remote] US Legal Counsel

Note: The job is a remote job and is open to candidates in USA. Cleo is a fast-growing fintech company on a mission to change humanity's relationship with money. They are seeking a Legal Counsel to join their Legal, Compliance & Policy team in the US, where the successful candidate will advise on consumer credit products, manage litigation matters, and review commercial agreements while building the legal framework for the company.

Responsibilities

• Advise on consumer credit products and regulatory issues
• Manage litigation and arbitration matters
• Review and negotiate commercial agreements
• Partner cross-functionally across the business
• Help build the legal function

Skills

• 5–7 years of legal experience practicing law, with a strong background in financial services, consumer financial regulation, or fintech
• Juris Doctor (JD) and active admission to at least one US state bar, with the ability to practice law in the role
• Experience advising on consumer credit products and related legal and regulatory frameworks
• Strong experience providing legal guidance to business teams on new products, regulatory change, and evolving legal requirements
• Familiarity with legal and regulatory issues relevant to products such as credit card products, installment loans, or similar consumer finance offerings
• Experience reviewing, drafting, and advising on vendor agreements, NDAs, and other commercial contracts
• Experience managing outside counsel and supporting litigation, arbitration, investigations, or other dispute-related matters
• Strong written and verbal communication skills, with the ability to distill complex legal analysis into clear, practical guidance for cross-functional stakeholders
• Ability to work independently, manage a varied workload, and exercise strong judgment in a fast-moving environment
• A pragmatic, business-oriented approach to legal counseling with a strong sense of ownership and accountability
• Experience in a startup or high-growth fintech environment
• Experience advising on legal issues related to AI, emerging technology, or automated decisioning
• Familiarity with public policy, legislative analysis, or supporting advocacy and policy strategy in regulated industries
• Prior law firm experience in consumer financial services or a combination of law firm and in-house experience
• Broad-based legal experience across regulatory, product, litigation, and commercial work, rather than a narrow specialization in just one area

Benefits

• A competitive compensation package (base + equity) with bi-annual reviews, aligned to our quarterly OKR planning cycles.
• 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.
• 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 + 5 additional floating flexible days per year + public holidays (+ an additional day for every year you spend at Cleo)
• 1 extra day a year to be used for learning and 1 extra day for volunteering
• 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

Company Overview