Head of Risk and Money Services

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.

All full-time employees receive competitive base pay, benefits, and equity (RSUs) — because everyone who helps build Gusto should share in its success. Offer amounts are determined by role, level, and location. Learn more about our Total Rewards philosophy.

AI is a fundamental part of how work gets done at Gusto. We expect all team members to actively engage with AI tools relevant to their role and grow their fluency as the technology evolves. AI experience requirements vary by role and will be assessed during the interview process.

Head of Risk & Money Services

At Gusto, we help more than 500,000 small businesses create great places to work for their people. We do this through modern payroll, employee benefits, expert HR, and financial services.

We are searching for a seasoned financial services operator and regulated-domain leader to own one of Gusto's most consequential customer-facing functions: Risk & Money Services. This role sits within CX and Gusto's Financial Services organization and reports directly to the Head of Financial Services.

Every dollar that moves through Gusto's platform — payroll being delivered on time, wages being deposited into Gusto Wallet, cash advances being issued, disputes being resolved — carries real financial and regulatory weight. Risk & Money Services is the team that protects this trust at the most critical edges of money movement: fraud and payment risk decisioning, Reg E dispute operations, collections, and the consumer money products that sit at the intersection of and its small business mission.

You will lead this organization through a senior leadership team, who carry full ownership for their function's outcomes, not just execution within it.Partner deeply with Compliance, Legal, Engineering, and Product across Gusto's products, and serve as the operational owner of the functions that sit at the regulated edge of Gusto's financial platform

This is a builder's role. Risk & Money Services is being stood up as a defined function within a new domain — you will set the SLAs, design the controls, build the metrics framework, establish the governance, and create the playbook that lets Gusto move money with confidence and scale.

Our mission is to create a world where work empowers a better life, and it starts right here at Gusto. That's why we're committed to building a collaborative and inclusive workplace, both physically and virtually.

Here's what you'll do

Here's what we're looking for

Our cash compensation range for this role is $170,000 to 215,000 per year in Denver. Final offer amounts are determined by multiple factors, including candidate experience and expertise, and may vary from the amounts listed above.

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 makes our company stronger. If you share our values and our enthusiasm for small businesses, you will find a home at Gusto.

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.

Note: The San Francisco office expectations encompass both the San Francisco and San Jose metro areas.

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.

Our customers come from all walks of life and so do we. We hire great people from a wide variety of backgrounds, not just because it's the right thing to do, but because it makes our company stronger. If you share our values and our enthusiasm for small businesses, you will find a home at Gusto.

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.

Gusto takes security and protection of your personal information very seriously. Please review our Fraudulent Activity Disclaimer.

Personal information collected and processed as part of your Gusto application will be subject to Gusto's Applicant Privacy Notice.

• Risk Operations — fraud ops, account takeover detection, payment-risk decisioning, and collections across both employer and employee money movement. This team makes real-time, high-stakes decisions on whether payroll goes out when something looks wrong, BSA/AML compliance, whether a fund recovery effort can be executed in time, and whether a fraud signal warrants action. The financial impact of individual calls is material. Focusing on risk mitigation and exceptional service is no easy task
• Dispute Operations — Reg E dispute processing across Gusto's banking and money-movement products, from intake through resolution and provisional credit decisioning. This team owns Gusto's most regulated customer-facing process and operates at the intersection of customer trust and regulatory obligation.
• Money Services and Banking — the operational home for Gusto Wallet, Cash Advance, and Gusto's expanding consumer financial products. This team is responsible for building the operational infrastructure that supports Gusto's growth in consumer banking — while protecting the customers who depend on it.
• Own Risk & Money Services end to end. Be the single accountable leader for fraud and payment risk decisioning, BSA/AML compliance, Reg E dispute operations, collections, and the operational backbone of Gusto's money products. Own the customer experience, the regulatory posture, and the financial outcomes across this entire function.