Risk Operations, Gusto

• Experience. 2-3 years of experience in the financial field, risk management, payment card industry, disputes/chargebacks, detection and/or investigation. Strong understanding of card and ACH payments. Bonus points for SQL or data knowledge
• Thought Process. An insatiable appetite for operational excellence, knack for structured thinking, ability to spot unusual patterns, and sharp attention to detail
• Values. Driven by a strong moral compass, is objective yet compassionate, and does the right thing every time
• Discipline. Excellent time management skills and ability to handle multiple projects/tasks simultaneously. Is extremely process and policy oriented
• Attitude. Goal-oriented, positive, and proactive. Comfortable in a fast-paced and results-oriented work environment. Communicates well with others and embodies creative problem solving
• When approved to work from a location other than a Gusto office, a secure, reliable, and consistent internet connection is required

• We are seeking folks who are passionate about processing small business payrolls and searching for creative ways to de-risk payrolls and investigate potential fraud while delivering a world-class customer experience
• As a Financial Products Risk Operations member, you will be a part of the Risk Organization, protecting Gusto from financial loss while delivering a world class customer experience. You will work with innovative financial products that help make Gusto the safest and most secure payroll solution
• The Risk Operations organization is at the core of our business and our team is a key stakeholder in company decisions and operations - The Financial Products team is a key component in making this possible.
• We currently process +$50bn of payroll annually, but with your help, we will process more in a safe and sustainable way. We are a small, close, fun group that works hard and laughs a lot. No egos here — we collaborate and help each other out in a positive environment
• Drive the team. Own the operational processes and work streams while having a continuous feedback loop with the team. Identify new risks and what opportunities we have to mitigate those risks
• Innovate. Be a subject matter expert in Gusto Money & Wallet, and develop creative solutions and features to offer financial wellness to our users in a responsible manner
• Operate cutting-edge tools. Utilize and contribute to our suite of resources that support our Fintech offering
• Work closely with key stakeholders. Work cross-functionally with internal teams, our customers, and external partners
• Monitor exposures on a daily basis. Use and develop tools, dashboards, alerts, and operations to identify trends and failure vectors
• Resolving disputed Gusto Wallet transactions
• Communication streams with our internal partners and external partners
• Creating referrals for Gusto’s Financial Crimes Compliance team
• Flagging dispute trends and contributing to the creation of data tables and controls
• Conducting Fraud and ATO investigations and working with cross-functional partners to resolve
• Be an expert in all gMoney products such as lending, bill pay, and work with vendors and partners to resolve issues, bugs, and ensure our customers are set up for success

• Comprehensive medical, dental, and vision benefits, plus a variety of mental health resources
• Flexible vacation - Gusties are encouraged to take the time off they need to continue doing great work
• Fertility treatments, parental leave, pregnancy termination, caregiving, gender-affirming surgery, hormone treatments, transgender-inclusive services, and more
• If you work at one of our homebases, enjoy food, drinks, and good conversation — on us
• Celebrate 5 or 10 years at Gusto and take a month off to recharge
• Take advantage of internet, phone, commuter, and wellness stipends each month, along with a WFH stipend and cash for anniversaries

Total funding: $706.1m

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 three co-founders of Gusto – all coming from small business backgrounds – collaborated on a Fintech company that would handle employee payments, benefits administration, and compliance support specifically for small businesses.