Payment Operations

About the role

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.

Responsibilities

• 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.

Requirements

• 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

Qualifications

The cash compensation amount for this role is between $66,085 - $79,302/year in Denver and between $82,610 - $99,132/year for New York/San Francisco. Final offer amounts are determined by multiple factors including candidate location, experience and expertise and may vary from the amounts listed above.

Benefits

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. With teams in Denver, San Francisco, and New York, we support more than 500,000 small businesses nationwide and are building a workplace that reflects the people we serve.

Schedule

Gusto has physical office spaces in Denver, San Francisco, and New York City. Employees who are based in those locations will be expected to work from the office on designated days approximately 2-3 days per week (or more depending on role). The same office expectations apply to all Symmetry roles, Gusto's subsidiary, whose physical office is in Scottsdale.

Pay

When approved to work from a location other than a Gusto office, a secure, reliable, and consistent internet connection is required. This includes non-office days for hybrid employees.