Hybrid opportunity at
GustoFraud Investigations Analyst
Gusto operates a platform offering payroll, health insurance, 401(k), and HR services to over 500,000 small businesses nationwide, supported by teams in San Francisco, Denver, and…
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About This Role
Gusto operates a platform offering payroll, health insurance, 401(k), and HR services to over 500,000 small businesses nationwide, supported by teams in San Francisco, Denver, and New York. The organization is seeking a Senior Fraud Investigations Analyst to join its Fraud Investigations division on a hybrid schedule. This position requires handling complex, end-to-end inquiries regarding identity theft, payment fraud, business email compromise, and account takeover. This opportunity suits an investigator…
Job Description
Gusto operates a platform offering payroll, health insurance, 401(k), and HR services to over 500,000 small businesses nationwide, supported by teams in San Francisco, Denver, and New York. The organization is seeking a Senior Fraud Investigations Analyst to join its Fraud Investigations division on a hybrid schedule. This position requires handling complex, end-to-end inquiries regarding identity theft, payment fraud, business email compromise, and account takeover.
This opportunity suits an investigator who thrives in ambiguous environments, enjoys deep analytical work, and integrates artificial intelligence tools into daily workflows to enhance efficiency and consistency. The selected professional will evaluate risk, determine root causes, and document findings while protecting the platform and its financial partners.
Day-to-day duties involve reviewing transactional behavior, authentication data, and account activity to detect suspicious patterns. Analysts draft comprehensive case narratives, produce Unusual Activity Referrals, recommend risk-based remediation, and coordinate fund recovery with external banking partners. Collaboration with engineering, risk, product, and compliance teams is essential for closing control gaps, while mentoring junior team members forms another key aspect of the position.
Responsibilities
- Analyze transactional behavior, account activity, and communications to uncover fraud indicators
- Prepare Unusual Activity Referrals and draft case narratives for compliance partners
- Escalate high-risk situations while providing risk-based remediation recommendations
- Coordinate with external banking partners on fund recovery efforts and Letters of Indemnity
- Utilize artificial intelligence tools for research, alert triage, and evidence gathering
- Partner with cross-functional departments to address emerging threats and improve workflows
- Mentor junior analysts through structured feedback and case reviews
Requirements
- Minimum of five years of experience in fraud detection, fraud investigations, or complex investigative roles
- Background working within a regulated environment, financial institution, fintech, or payment processor
- Demonstrated skill in investigative writing and risk assessment across ambiguous scenarios
- Familiarity with various fraud typologies including identity theft and account takeover
- Practical usage of artificial intelligence tools in daily investigative tasks
Qualifications
- Certified Fraud Examiner credential
- CAMS certification
- Other relevant financial crime certifications
Core Skills
Benefits
- Competitive base salary
- Equity in the form of Restricted Stock Units
- Performance bonuses
Frequently Asked Questions
Answers are based only on the employer’s listing; where it doesn’t say, neither do we.
Is this role remote or hybrid?
This is a hybrid position. Employees based near Gusto's physical offices in Denver, San Francisco, or New York City are expected to work from the office approximately two to three days per week.
What is the salary range for this position?
Cash compensation ranges from $89,165 to $112,942 per year in Denver, and from $110,640 to $136,456 per year in New York and San Francisco, supplemented by equity and performance bonuses.
What level of experience is required?
Candidates must have at least five years of experience in fraud investigations, fraud detection, or similarly complex investigative work within a regulated environment, financial institution, fintech, or payment processor.
Sample Interview Questions
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