Software Engineering Manager Payments

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.

Money Movement (MM) is a core Payments Engineering team responsible for actually moving money at Gusto — reliably, on time, and at scale. The team owns Gusto’s payment rails and the integrations behind them: ACH, wires, real-time payments, checks, and international and stablecoin rails through partners. MM owns the connections to partner banks and payment providers, the APIs that initiate credits and debits, the ingestion of incoming bank data, and the routing logic that selects the most efficient rail for each payment based on speed, cost, geography, currency, and regulatory requirements. The team also builds the operational tooling that Payment Operations depends on to stop, reverse, verify, and investigate payments.

MM sits within the Payments org alongside the Financial Data and Payment Profile team. Where that team owns the source of truth for payment data and the customer-facing payment method experience, MM owns execution — the systems that hand money to a bank or partner and track it to settlement. The team operates tier-1 systems with clear reliability ownership, on-call responsibility, and defined SLOs measured across every rail, and is in the middle of extracting money movement out of the monolith into a standalone Payments Service with a rails-factory architecture and stable API contracts for upstream product teams.

As an Engineering Manager on the Money Movement team, you’ll directly empower a team of engineers, supporting them in their continued growth and success. You’ll collaborate with a talented cross-functional team of Product, Design, and Data partners, along with Payment Operations, Accounting, and Treasury, focusing on payments infrastructure that customers can trust with their payroll.

• Develop the engineering team across the Money Movement domain to help build the long term vision of the payments team at Gusto. The leader will expand Gusto’s payment rails across the US and internationally while ensuring that our 500K+ businesses and millions of their employees are getting paid on time, every time.
• Lead, empower and coach a team across engineering for payments to i) drive technical guidance and consistent execution of the next generation of payment rails and money movement capabilities that enable Gusto to expand its product offerings; ii) recruit, hire, and onboard new engineering team members; iii) identify and address any roadblocks or challenges faced by the team; and iv) deliver scaled engineering solutions on time.
• Own reliable, efficient, compliant and cost effective end-to-end money movement across every rail — including on-call ownership, SLOs, and error budgets for tier-1 payment systems — and work cross-functionally with Payment Operations, Accounting and Treasury to de-risk any payments related issues with bank and provider partners.

• highly available, horizontally scalable systems, and continuing to reduce blast radius and improve the resilience of the databases we already operate.

Our cash compensation amount for this role is targeted at $183,000-$200,000 /yr in Denver & most remote locations, and $222,000-$245,000 /yr for San Francisco, Seattle & New York. Final offer amounts are determined by multiple factors, including candidate experience and expertise, and may vary from the amounts listed above.

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.