--- title: 'Product Counsel AI and Financial Services at Cloaked' canonical: 'https://feeny.ai/job/product-counsel-ai-and-financial-services-cloaked-new-york-nhdvmxz8pt4w' type: 'job' last_seen: '2026-09-12' --- # Product Counsel AI and Financial Services at Cloaked - **Company:** Cloaked - **Location:** New York, NY - **Compensation:** $265k–$300k - **Employment:** full-time - **Work type:** onsite - **Posted:** 2026-09-11 - **Last confirmed live:** 2026-09-12 - **Apply:** https://jobs.ashbyhq.com/cloaked/ff3c48af-5707-4db5-8e97-51ec26032c0a ## Job description ## About Cloaked [Cloaked](https://www.cloaked.com/) is a consumer privacy and identity platform on a mission to give people back control of their personal data. We let anyone generate unlimited identities - masked emails, phone numbers, and payment cards - scrub their information off data-broker sites, and shield themselves from spam, scams, and breaches, all from one app. Backed by a $375M Series B, we've protected 10M+ identities and removed 1B+ records from the data brokers who profit off personal information. Now we're building the AI-native future of privacy: autonomous agents that monitor, manage, and defend your digital footprint for you. ## About the role Cloaked is hiring a Product Counsel to serve as a core legal partner to Product, Engineering, Compliance, and business teams as we build the next generation of AI-native privacy, identity, and financial-services products. This role will have particular ownership of Cloaked Pay and other regulated product surfaces, but the mandate is broader: embed with product teams, help shape products from concept through launch, and translate legal and regulatory requirements into practical product decisions. The core mandate is to operate as a product lawyer, not just a reviewer at the end of the process. You will understand how Cloaked products and AI-enabled features actually work, identify where the law is black, white, or gray, pressure-test compliance decisions, and give Product a practical path forward without sending every novel question to outside counsel. You will help translate financial-services, privacy, consumer-protection, and emerging AI requirements into product architecture, user experiences, disclosures, controls, and operating workflows. You will also support the commercial agreements that enable our products — including enterprise, partnership, vendor, AI/data, and payments agreements — and help structure relationships with banks, processors, model and infrastructure providers, and other strategic partners. Because this is a lean legal team, you will also have opportunities to take on adjacent corporate and general legal matters. Deep financial-services expertise remains important, but the strongest candidates will pair it with product counseling instincts and comfort navigating AI, privacy, and data issues. ## What you'll do Product & AI Counseling - Serve as embedded Product Counsel for Cloaked Pay and other AI-enabled privacy, identity, and financial-services products, partnering directly with Product, Engineering, Design, and Compliance from ideation through launch and ongoing operation. - Advise on new products and features where the legal or regulatory answer is not obvious, including AI-driven workflows, agentic experiences, automated decisioning, personalization, data use, and consumer-facing product claims; distinguish hard requirements from judgment calls and help the business make calibrated risk decisions. - Counsel on adjacent privacy, cybersecurity, AI governance, marketing, consumer-protection, and general business-law matters as needed in a small, fast-moving legal team. Financial Services & Payments - Advise on consumer payments and credit-card regulatory requirements, including Regulation E, Regulation Z where applicable, GLBA, UDAAP/UDAP, FCRA, BSA/AML concepts, prepaid access and money-transmission considerations, Nacha requirements, and card-network rules. - Review and challenge financial-services compliance analyses and controls; help ensure regulatory requirements are accurately translated into product flows, disclosures, policies, procedures, and operational workflows. - Lead legal work across the Cloaked Pay ecosystem, including issuing-bank/BIN-sponsor relationships, program managers, processors, tokenization and network partners, cardholder terms and disclosures, funding and settlement structures, disputes, and related vendor arrangements. Commercial & Strategic Partnerships - Own and negotiate product-enabling agreements, including enterprise and end-customer agreements, AI/model and data-provider agreements, MSAs, SOWs, order forms, DPAs, NDAs, procurement agreements, partnerships, technology integrations, and vendor contracts. - Partner with Product, Sales, Partnerships, and Engineering to move product launches and agreements forward efficiently while protecting the issues that materially matter to Cloaked. Corporate & General Legal - Support corporate legal work as needed, including entity formations, corporate records and maintenance, filings, governance support, and coordination with outside corporate counsel. ## Who you are - You’re a product person who happens to be a lawyer — you want to understand how things actually work, not advise from the sidelines - You’re energized by AI and emerging technology and excited to help shape what responsible innovation looks like - You’re comfortable in the gray — you use judgment to find a responsible path forward when the law doesn’t provide a perfect answer - You give answers, not just analysis — you explain the risk, make a recommendation, and help the business move - You have strong judgment and low ego — you know when to push, when to compromise, and when to bring in deeper expertise What skills and experience will help you - Approximately 7–10 years of legal practice, with meaningful product-counseling experience and strong exposure to financial-services, payments, banking, credit-card, fintech, privacy, or AI-enabled technology products. - J.D. from an accredited law school and active bar admission in good standing. - Deep, hands-on consumer financial-services regulatory experience. You have applied the rules to live products and can translate them into practical product and compliance decisions. - Strong payments or card experience — ideally involving card issuing, consumer credit, virtual cards, payment processing, sponsor-bank/program-manager relationships, or comparable payments infrastructure. - Strong commercial contracting ability across enterprise, procurement, vendor, partnership, and technology agreements. You are comfortable owning negotiations rather than simply advising from the sidelines. - Product-lawyer judgment: you can sit with product managers and engineers, understand a proposed feature or technical flow, identify legal issues early, and give a clear recommendation about how to build and launch responsibly. - Comfort operating in a startup environment where Product and Engineering move quickly, the legal team is lean, and the right answer is often practical rather than academic. ## Nice to have - In-house product-counsel experience at a fintech, bank, card issuer, payments company, AI company, consumer technology company, or platform business with meaningful regulated product exposure. - Experience supporting consumer credit cards, BNPL/installment lending, consumer payments, issuing, acquiring, or similar financial products. - Prior law-firm, regulatory, or government experience focused on consumer financial services, paired with a clear desire to operate hands-on inside a fast-moving company. - Experience counseling on privacy, cybersecurity, AI governance, data use, automated systems, or consumer-protection issues, particularly where they intersect with financial products and consumer data. - Corporate experience such as entity formation, corporate maintenance, governance, or related filings. ## What we offer Cloaked is a well-funded Series B startup based out of NYC. Although we are a distributed team, the NYC team operates with a hybrid model. The office building is home to several amenities, including a gourmet cafe, cocktail bar, and a rooftop work area. We have a fully built out kitchen packed with drinks and snacks. The Cloaked team has diverse interests and so we frequently embark on team outings and go out for socials! ## Compensation and Benefits We offer above market rate pay and equity based off of the market’s best commercially available data. Your compensation will be a combination of salary, bonus and equity. Cloaked employees have 401K, as well as top of the line Health, Dental, and Vision benefits. We offer flexible work arrangements and the ability to work remotely as needed. Cloaked provides a home office stipend in addition to a new company laptop (and other tech depending on the role). ## Perks 🌴 Competitive PTO: We encourage employees to take a minimum # of vacation per quarter. We see PTO as a preventative burnout measure and are committed to changing the industry standard. 🤸 Monthly health stipend: Used for any kind of physical, mental or emotional care you’d like to take for yourself, be it a gym membership, a meditation app, or time with a personal trainer. 🥗 Late Night Meals: We understand that sometimes work can get in the way of meal prep. In response to that, we offer employees a monthly meal stipend to be used when they don’t have time to get a home cooked meal going! 🧠 Professional Growth: Opportunities for career development and personal growth are provided to all employees who seek to further their knowledge and capabilities through an unlimited professional development fund. Additionally team members are encouraged to regularly attend conferences and industry events. We are really excited about having you join our mission-driven team and help us build the future of online privacy! ## About Cloaked ## Company Overview - **One-liner**: Cloaked offers an all-in-one consumer privacy platform that lets users generate disposable identities (emails, phone numbers, passwords, payment cards), remove their data from broker sites, block spam calls, and monitor for breaches – all backed by $1M identity theft insurance. - **Entity Type**: Private (Series B) - **Headquarters**: New York, USA (with an additional office in Lowell, Massachusetts) - **Founded**: 2020 - **Founders**: Arjun Bhatnagar (CEO) and Abhijay Bhatnagar ## Core Business - **Primary Industry**: Consumer privacy, identity protection, cybersecurity - **Target Customers**: Initially B2C (individuals/families); expanding to B2B enterprise via a new employee privacy product - **Mission**: "Take back control of your personal data" and "bring humanity to the internet" – making privacy the default, not a setting. ## Products & Services - **Data Removal Engine**: Scans and removes personal information from 400+ people-search sites and data brokers; over 1 billion records cleaned for users. - **Call Guard**: AI-powered spam and scam call screening; has processed 50+ million unwanted calls. - **Cloaked Pay (Beta)**: Masked virtual payment cards that hide real financial details from merchants. - **Email & Phone Aliases**: Generate unlimited masked emails and phone numbers with dedicated inboxes to protect real contact info. - **VPN**: Encrypted private browsing. - **Password Management**: Generate and store unique passwords and TOTP codes. - **Dark Web & SSN Alerts**: 24/7 monitoring and alerts when personal data appears on the dark web. - **Identity Theft Insurance**: Up to $1M coverage with 24/7 restoration support. *All products are SaaS/consumer app delivered via mobile and web.* ## Market Standing - **Valuation**: Not publicly disclosed. The company raised a $375M Series B round in March 2026, with an additional growth financing component from General Catalyst’s Customer Value Fund. Prior to that, Cloaked had raised ~$29M in earlier rounds. - **Key Metrics**: - Total funding: ~$404M (including the latest round). - Paying customers: 350,000+ (10x revenue growth in 2025). - Protected identities: 10 million. - Data records removed: 1 billion+. - Employees: ~66–70 (up 61.4% YoY). - **Notable Investors/Partners**: General Catalyst (lead), Liberty City Ventures (co-lead), Lux Capital, Human Capital, Marquee Ventures, Fifth Growth Fund, NFL Players Association, LG Technology Ventures, Assurant Ventures, DuckDuckGo. - **Growth Signals**: - Expanded from consumer to enterprise market in March 2026. - Launched AI-powered call screening in 2025; processing 50M+ spam calls. - Plans to extend AI protection to text, email, and browsing, plus an autonomous AI agent for account security. ## Competitive Advantages - **All-in-One Bundle**: Unlike point solutions (1Password, Proton, DuckDuckGo, etc.), Cloaked consolidates aliases, data removal, VPN, passwords, call screening, and insurance – reducing the need for multiple tools. - **SOC 2 Compliant & End-to-End Encrypted**: Strong security posture and commitment to never storing sensitive personal information or selling data. - **Financial Backing & Insurance**: $1M identity theft insurance provides tangible peace of mind. - **AI‑First Approach**: Proactively screens calls, messages, and emails; developing an AI agent that can automatically respond to breaches. ## Strategic Focus - **Enterprise Expansion**: Launching a B2B product that gives employees the same privacy protection (aliases, scam alerts) and gives CISOs aggregated risk dashboards. - **AI‑powered Features**: Expanding AI detection to text, email, and browsing; testing an AI agent that can change passwords after a breach. - **International Growth**: Operating in 7 countries (US, Canada, Pakistan, Brazil, Ukraine, UK, Germany) and actively hiring for global expansion. - **Product Depth**: Continuing to evolve Cloaked Pay and adding more identity-management capabilities. ## Why Work Here - **Mission‑Driven Culture**: Company values are centered on user privacy, autonomy, and “privacy without limits.” Employees have a direct impact on protecting people’s digital lives. - **Hybrid Work Model**: Two primary office locations – New York, NY and Lowell, MA – with a hybrid schedule (typical time on-site varies by role). Some roles are listed as in-office or hybrid. - **Fast‑Growing Team**: Headcount grew 61% year‑over‑year (from ~40 to 66). Open roles span product, engineering (fullstack, iOS, SRE), design, customer success, and finance. - **Recent Roles (as of mid‑2026)**: Software Engineer, Staff iOS Engineer, Senior Product Designer, Product Manager (Payments & Cards, Engagement), Founding Account Executive, Customer Success Manager (Enterprise), Site Reliability Engineer, QA Automation Engineer, Senior Tech Recruiter, IT Generalist. - **Perks**: Not explicitly listed, but the company offers a chance to shape a category‑defining privacy platform at an early stage, with strong financial backing and rapid user adoption. ## Sources 1. [cloaked.com](https://www.cloaked.com/) 2. [builtin.com/company/cloaked](https://builtin.com/company/cloaked) 3. [linkedin.com/company/cloaked-inc](https://www.linkedin.com/company/cloaked-inc) 4. [techcrunch.com/2026/03/19/consumer-focused-privacy-company-cloaked-raises-375m-as-it-expands-to-enterprise/](https://techcrunch.com/2026/03/19/consumer-focused-privacy-company-cloaked-raises-375m-as-it-expands-to-enterprise/) 5. [tracxn.com/d/companies/cloaked/__LHDWtGsvh1SlfBdWccGnqBx6mFAutZQ3ScUIp1tsQ6w](https://tracxn.com/d/companies/cloaked/__LHDWtGsvh1SlfBdWccGnqBx6mFAutZQ3ScUIp1tsQ6w) ## Other roles at Cloaked - [Customer Support - Privacy Consultant](https://feeny.ai/job/customer-support-privacy-consultant-cloaked-united-states-2b6gz05q6gme) — United States - [Recruiting Coordinator](https://feeny.ai/job/recruiting-coordinator-cloaked-new-york-bdqtcj9jm6wt) — New York, NY - [Support Engineer](https://feeny.ai/job/support-engineer-cloaked-new-york-mcea9s86z2h4) — New York, NY - [Senior QA Engineer](https://feeny.ai/job/senior-qa-engineer-cloaked-new-york-nbdt3zww4c0v) — New York, NY - [Technical Recruiter](https://feeny.ai/job/technical-recruiter-cloaked-new-york-gmhxnbm98m7a) — New York, NY - [Executive Client Services & Founding Operations Lead](https://feeny.ai/job/executive-client-services-founding-operations-lead-cloaked-new-york-fxhvxtcvgmej) — New York, NY - [Staff Offensive Security Engineer](https://feeny.ai/job/staff-offensive-security-engineer-cloaked-new-york-8hns4a37d53n) — New York, NY - [Product Marketing Manager, Enterprise](https://feeny.ai/job/product-marketing-manager-enterprise-cloaked-new-york-ms0dnqy3p5c1) — New York, NY - [Product Marketing Manager, Growth](https://feeny.ai/job/product-marketing-manager-growth-cloaked-new-york-76w8e392jqg6) — New York, NY - [Staff iOS Engineer](https://feeny.ai/job/staff-ios-engineer-cloaked-new-york-nt3xzp98m82v) — New York, NY