The opportunity
At Gusto, we're on a mission to grow the small business economy. We handle the hard stuff — payroll, health insurance, 401(k)s, and HR — so owners can focus on their craft and their customers.
What you'll do
Independently analyze account activity, transactional behavior,: authentication data, customer communications, and external intelligence sources to surface fraud indicators and build well-supported investigative narratives
Synthesize investigative findings into clear case narratives and prepare: Unusual Activity Referrals (UARs) for Financial Crime Compliance partners when appropriate; escalate high-risk events with sound, risk-based remediation recommendations
Support customers impacted by fraud and coordinate with external banking: partners on fund recovery efforts, including Letters of Indemnity
Leverage AI-enabled tools to accelerate alert triage, issue spotting,: research, evidence gathering and documentation, while critically validating AI-generated outputs for accuracy and compliance with Gusto's AI policies
Collaborate with Risk, Compliance, Product, Engineering, and Data Science to: surface emerging threats, close control gaps, and improve investigative tooling and AI-assisted workflows
Mentor junior analysts on fraud typology identification, evidence gathering,: and case narrative quality through case reviews and structured feedback
What they're looking for
- + years of fraud investigations, fraud detection, or similarly complex: investigative work within a financial institution, FinTech, payment processor, or regulated environment
- Strong investigative writing and analytical skills with the ability to: document complex fact patterns, develop defensible narratives, and assess risk across ambiguous scenarios
- Experience across fraud typologies including account takeover, business email: compromise, identity theft, payment fraud, and social engineering
- Sound investigative judgment with the ability to manage multiple: investigations simultaneously, make risk-based recommendations under pressure, and communicate findings with empathy and clarity to customers, external institutions, and cross-functional stakeholders
