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
Risk Operations: fraud ops, account takeover detection, payment-risk decisioning, and collections across both employer and employee money movement. This team makes real-time, high-stakes decisions on whether payroll goes out when something looks wrong, BSA/AML compliance, whether a fund recovery effort can be executed in time, and whether a fraud signal warrants action. The financial impact of individual calls is material. Focusing on risk mitigation and exceptional service is no easy task
Dispute Operations: Reg E dispute processing across Gusto's banking and money-movement products, from intake through resolution and provisional credit decisioning. This team owns Gusto's most regulated customer-facing process and operates at the intersection of customer trust and regulatory obligation.
Money Services and Banking: the operational home for Gusto Wallet, Cash Advance, and Gusto's expanding consumer financial products. This team is responsible for building the operational infrastructure that supports Gusto's growth in consumer banking — while protecting the customers who depend on it.
Own Risk & Money Services end to end. Be the single accountable leader for: fraud and payment risk decisioning, BSA/AML compliance, Reg E dispute operations, collections, and the operational backbone of Gusto's money products. Own the customer experience, the regulatory posture, and the financial outcomes across this entire function.
Lead a multi-disciplinary regulated financial services organization through: leaders who lead. Direct an organization spanning risk operations, dispute and fraud operations, and consumer money — through leaders who own their function end to end, whom you'll continue to develop, hire, and scale. Be the keeper of quality, speed, and regulatory integrity across all three practices.
Stand up Risk & Money Services as a defined operational function. Define the: governance, the metrics framework, the SLAs, and the reporting infrastructure for a function that is being formalized for the first time. Build the operating muscle — controls documentation, audit readiness, workforce management, and escalation frameworks — that makes this domain run with the reliability a regulated function requires.
What they're looking for
- Own the highest-stakes real-time financial decisions in Gusto's customer: operations. Be accountable for the decisions your team makes every day on whether payroll goes out when something looks wrong, whether a dispute warrants provisional credit, whether a fraud signal warrants action, and whether a fund recovery effort can be executed in time. These decisions carry material financial impact for customers and for Gusto — and they happen in real time.
- Own Gusto's Reg E compliance posture at the operational level. Lead the: operational program that governs Gusto's Reg E dispute obligations — intake, investigation, provisional credit, resolution, and customer communication — in partnership with Compliance and Legal. Ensure the team's practices are auditable, scalable, and consistently defensible.
- Lead BSA/AML operational response. Own the customer-facing operational work: triggered by BSA/AML alert activity — transaction monitoring response, customer outreach, account action — in partnership with Gusto's Compliance program. Ensure operational response meets the timeliness and documentation standards required by Gusto's sponsor bank relationships and regulatory obligations.
- Build Consumer Money for growth. Own the operational infrastructure for Gusto: Wallet, Cash Advance, and Gusto's expanding consumer financial product suite. Build the SOPs, workforce model, controls, and SLAs that support consumer product growth while protecting the customers who depend on these products.
