Payment Operations Analyst, Gusto
$78-121k
Salary dependent on location. + RSUs
2-3 days a week in office
Automated payroll, benefits & HR platform
Be an early applicant
Automated payroll, benefits & HR platform
1001+ employees
Be an early applicant
$78-121k
Salary dependent on location. + RSUs
2-3 days a week in office
1001+ employees
Company mission
To grow the small business economy.
Role
Who you are
- 3+ years of experience in payment operations, banking operations, treasury operations, or a related role at a fintech or financial institution
- Working knowledge of domestic payment rails (ACH/Nacha, wires, RTP) and/or international money movement (cross-border transfers, FX, global disbursement networks); experience across both is a strong plus
- Strong analytical instincts — you look for the pattern behind the problem and can query or structure data to find it (SQL a plus but not required)
- Experience working with bank portals, payment processors, or reconciliation tools
- Ability to communicate clearly with both operational and technical counterparts; you can write a crisp Slack to an engineer and a professional escalation to a bank partner
- Comfortable working in ambiguity and taking ownership without waiting for perfect information
- Eager to build AI into how you work — whether you're already using it daily or just getting started, you see it as a genuine productivity lever and are committed to developing that fluency
- Knowledge of relevant compliance frameworks (Nacha operating rules, unclaimed property, money transmission) is a strong plus
What the job involves
- Payments at Gusto aren't just infrastructure — they're the reason people get paid on time, every time
- Payment Operations sits within Gusto's Money team, a cross-functional group spanning Engineering, Product, and Operations that powers money movement across Gusto's growing product surface: core payroll, contractor payments, international money movement, and new business offerings like PEO
- As a Payment Operations Analyst, you'll own specific end-to-end payment workflows, resolve exceptions that require real judgment, and help make our systems more reliable and efficient over time
- Gusto's payment surface area is expanding — and this team is at the center of that growth
- This is a role for someone who can shift from investigating a single misfired transaction to coordinating a response on a payment outage affecting thousands — and bring the same rigor to both
- You think in systems
- You hold partners accountable
- You lead with curiosity and embrace AI as a core part of how you work
- You'll collaborate closely with Engineering, Product, Accounting, Risk, and CX — and you'll develop strong day-to-day relationships with Gusto's bank and payment partners
- When something breaks or slows down, you're the one who drives it to resolution
- Support the payment lifecycle end-to-end
- Own the operational layer of specific payment workflows — ACH processing, exception handling, refunds, collection re-debits, reconciliation. When something is off, you investigate, escalate where needed, and see it through to resolution. And when you see a pattern, you push to fix the root cause
- Build alongside Product and Engineering
- Payment Operations doesn't just react — we shape how the systems work. You'll contribute to product specs, surface operational pain points, help define requirements, and participate in launches. You're a partner in building, not just a consumer of what gets shipped
- Close the loop on customer pain
- Customer and CX feedback is signal. You actively mine it to identify friction in payment flows, prioritize what matters, and bring those insights into the operational and product conversations where decisions get made
- Think in systems
- Connect the dots across rails, partners, reconciliation, compliance, and customer experience. When an issue surfaces, you understand how it ripples — and you bring that perspective to cross-functional conversations
- Hold partners to a high standard
- Work directly with Gusto's bank and payment partners — domestic and international — to triage issues, resolve escalations, and maintain strong working relationships. You know how to be firm and collaborative at the same time, and you don't let things sit
- Lead with AI
- You use AI as a genuine work partner — to move faster on analysis, draft communications, synthesize data, and automate the repetitive. You're always looking for the smarter way to get to the answer
Our take
For many small businesses, vital administrative tasks such as payroll, taxes, and benefits are manual tasks that take time and energy - which many SMB owners don’t have. The co-founders of Gusto all come from small business backgrounds, which is why they created a platform that would handle employee payments, benefits administration, and compliance support specifically for small businesses.
The company may have started slowly, as the founders focused on nailing each individual aspect of Gusto’s operations, but has now skyrocketed to unicorn status with more than 400,000 customers and a multi-billion dollar valuation. And in 2021, Gusto began acquiring other companies to strengthen its offering and position in a competitive market, including the likes of Ardius, Symmetry and Guideline.
Through its continued acquisitions and fundraising efforts, the company has carved out a strong position for itself in the space. It continues to expand its platform, for example by partnering with Parafin to launch a payroll line of credit for small businesses, and more recently launching Cofounder, an AI teammate tailored to the needs of small businesses.
Steph
Company Specialist at Welcome to the Jungle
Insights
45% employee growth in 12 months
Company
Funding (last 2 of 9 rounds)
May 2022
$55m
SERIES E
Aug 2021
$175m
SERIES E
Total funding: $706.3m
Company benefits
- Medical, dental, and vision insurance for employees and dependents
- Family care and support, including family planning and fertility benefits
- Gender-affirming care and support
- A variety of mental health resources
- Paid vacation, sick time, bereavement, and holidays, paid leaves, sabbatical, and more
- Free meals and refreshments at the office (conversation and community is an added bonus!)
Company HQ
Central Waterfront, San Francisco, CA
Leadership
Joshua Reeves
(CEO & Co-Founder)Studied Electrical Engineering at Stanford and went onto co-found Gusto in 2011.
Tomer London
(CPO & Co-Founder)Has a PhD in Electrical Engineering from Stanford. Was a Researcher at Intel, and then interned at Bump Technologies. Co-founded Vizmo before co-founding Gusto in 2011.
Edward Kim
(Head of Technology & Co-Founder)Studied Electrical Engineering at Stanford. Was Senior Project Engineer at Volkswagen of America Electronics Research Lab and then co-founded Picwing before co-founding Gusto in 2011.
Salary benchmarks
We don't have enough data yet to provide salary benchmarks for this role.
Submit your salary to help other candidates with crowdsourced salary estimates.
Share this job
View 66 more jobs at Gusto