Fraud Investigations Manager

Denver, CO;San Francisco, CA;New York, NY

About Gusto

At Gusto, we're on a mission to grow the small business economy. We handle the hard stuff—like payroll, health insurance, 401(k)s, and HR—so owners can focus on their craft and customers. With teams in Denver, San Francisco, and New York, we’re proud to support more than 400,000 small businesses across the country, and we’re building a workplace that represents and celebrates the customers we serve. Learn more about our Total Rewards philosophy.

About the Role

Gusto is looking for an experienced financial crime compliance leader to join as the Fraud Investigations Manager. This is a key leadership position reporting to the Head of Financial Crime Investigations, requiring strong cross‑functional collaboration and visibility across the company.

In this role, you will be responsible for protecting Gusto and our 400,000+ customers from evolving and sophisticated fraud risks. You’ll build and lead a best‑in‑class investigations function, designing proactive, scalable fraud defenses that align with Gusto’s mission to empower small businesses.

This position operates at the intersection of strategic leadership and technical execution, balancing fraud prevention controls with Gusto’s commitment to business growth. The Fraud Investigations Manager will lead a proactive, AI‑forward and data‑driven team, turning complex fraud data into precise, actionable strategies. You’ll partner closely with FinCrime Compliance (AML / EDD) and Risk teams (Engineering, Data Science) to safeguard platform integrity and maintain customer trust.

About the Team

The Fraud Investigations Team is dedicated to protecting both Gustomers and Gusto from fraudulent activity. The team conducts in‑depth investigations into suspicious account behavior, reviews accounts for potential abuse, and works collaboratively with internal and external partners to mitigate risks.

Beyond investigations, the team provides empathetic support to impacted customers, helping guide them through account protection and recovery. They also engage with external institutions to recover stolen funds and ensure every case is thoroughly documented and tracked for comprehensive management. Together, the team plays a vital role in upholding Gusto’s financial integrity and reinforcing customer trust.

Here’s what you’ll do day‑to‑day

• Lead and empower the Fraud Investigations team, ensuring the highest standards of investigative writing, case documentation, and resolution. Mentor and develop team members to ensure all investigations, records, and quality controls meet rigorous internal and external compliance standards.
• Serve as the subject matter expert on fraud investigations, providing authoritative guidance on complex cases. Own and continuously improve processes related to fund recovery, including legal and regulatory procedures such as letters of indemnity and ensure timely, compliant resolution of unauthorized transactions.
• Champion scalable, AI‑forward solutions that strengthen the team’s operations and enhance the efficiency and accuracy of investigations.
• Track, analyze, and own team Key Performance Indicators (KPIs) to ensure optimal operational performance. Leverage data analytics to identify trends, drive measurable cost savings, and uncover opportunities for process improvement.
• Partner cross‑functionally with Engineering, Data Science, and Product teams to translate evolving fraud patterns into actionable technical requirements. Drive the design and optimization of risk platforms to proactively mitigate systemic risks, including Account Takeover (ATO) and emerging fraud trends.
• Deliver executive‑level communications that distill complex fraud trends and root causes into clear, compelling narratives. Translate technical analyses into strategic recommendations and business cases that secure resources, align priorities, and inform the development of new controls across leadership and partner teams.

Here’s what we're looking for

Our cash compensation amount for this role is between $129,000 - $155,000 / year in Denver and $160,000 - $189,000 / 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. Compensation for this position also includes an equity package and performance bonuses.

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.

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.

Voluntary Self‑Identification

Our customers come from all walks of life and so do we. We hire people from a wide variety of backgrounds, not just because it’s the right thing to do, but because it helps us to build better products, better serve our customers, and makes our company stronger.

In addition to the information required to consider your application, below is a set of demographic questions that help us identify areas for improvement in our process and further support the development and execution of our diversity efforts and programs as well as to create a more inclusive environment for all employees.

Your responses to these questions will be recorded and maintained in a confidential file. Your responses, or your wish not to answer, will not be associated with your specific application, will not be shared with hiring managers, and will not in any way be used in making any employment decisions, including hiring decisions.

Please use this as a reference while completing the disability self‑identification :

You are considered to have a disability if you have a physical or mental impairment or medical condition that substantially limits a major life activity, or if you have a history or record of such an impairment or medical condition. Disabilities include, but are not limited to :

Gusto is proud to be an equal opportunity employer. We do not discriminate in hiring or any employment decision based on race, color, religion, national origin, age, sex (including pregnancy, childbirth, or related medical conditions), marital status, ancestry, physical or mental disability, genetic information, veteran status, gender identity or expression, sexual orientation, or other applicable legally protected characteristic. Gusto considers qualified applicants with criminal histories, consistent with applicable federal, state and local law. Gusto is also committed to providing reasonable accommodations for qualified individuals with disabilities and disabled veterans in our job application procedures. We want to see our candidates perform to the best of their ability. If you require a medical or religious accommodation at any time throughout your candidate journey, please fill out this form and a member of our team will get in touch with you.

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