Gusto is a business software platform that brings payroll, employee benefits, and core human resources operations together in one place. Its tools help small and midsize businesses automate payroll calculations, tax filings, direct deposits, deductions, and compliance workflows while connecting with other business systems. The platform also supports employee benefits, time and attendance, hiring and onboarding, talent management, and performance reviews. Gusto serves companies managing distributed or global teams, with dedicated solutions for accountants and APIs that let developers embed payroll capabilities into their own products.
Senior Fraud Investigations Analyst
Investigate complex fraud across Gusto’s payroll, benefits, and HR platform, using investigative expertise and AI tools to protect small businesses and financial partners.
United States
California
Colorado
New York$89,165 – $112,942 / year
HybridFull-timeMiddleSeniorEnglish RequiredAnalystDescription
- Lead end-to-end investigations into account takeover, business email compromise, identity theft, payment fraud, and emerging fraud patterns.
- Examine account activity, transaction patterns, authentication data, customer communications, and external intelligence.
- Identify fraud signals and develop evidence-based investigative accounts.
- Document findings in case narratives and prepare Unusual Activity Referrals for Financial Crime Compliance partners when warranted.
- Escalate high-risk cases with risk-based recommendations for remediation.
- Assist customers affected by fraud and coordinate fund recovery with banking partners, including through Letters of Indemnity.
- Apply AI tools to alert triage, research, evidence gathering, issue identification, and documentation, checking outputs for accuracy and compliance.
- Partner with Risk, Compliance, Product, Engineering, and Data Science to detect emerging threats, address control gaps, and improve investigative tools and AI-supported workflows.
- Coach junior analysts through case reviews and structured feedback.
Requirements
- At least five years in fraud investigations, fraud detection, or similarly complex investigative work at a financial institution, FinTech company, payment processor, or regulated organization.
- Strong analytical ability and investigative writing skills.
- Can document complex fact patterns, build defensible narratives, and assess risk in ambiguous situations.
- Experience investigating account takeover, business email compromise, identity theft, payment fraud, and social engineering.
- Sound investigative judgment and the ability to manage multiple cases at once.
- Can make risk-based recommendations under pressure.
- Communicates findings empathetically and clearly with customers, external institutions, and cross-functional partners.
- Experience using AI-enabled tools in daily investigative work.
- Can critically assess AI-generated output for accuracy, completeness, and alignment with investigative standards.
- Experience mentoring junior investigators or giving them structured feedback.
- Certified Fraud Examiner (CFE), CAMS, or another relevant financial crime certification is a plus.
Benefits
- Competitive base pay.
- Health insurance.
- 401(k) plans.
- Equity in the form of RSUs.
- Performance bonuses.
- Benefits.
- Flexible work options, including hybrid and fully remote arrangements when approved.
- A secure, reliable, and consistent internet connection is required when working outside a Gusto office.