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 a Financial Crime Oversight Analyst to join our Financial Crime Oversight & Advisory organization. This role is critical to our mission of protecting the small businesses we serve by ensuring Gusto’s financial crime controls remain robust, compliant, and efficient as we scale.
In this role, you will go beyond simple reporting; you will use data to tell the story of our risk posture to leadership and regulators. You will serve as a bridge between the oversight function and our Product and Engineering teams, ensuring that financial crime risks are identified and mitigated throughout the product development lifecycle.
We are looking for a senior individual contributor who combines strong analytical capabilities with the ability to communicate complex insights to non-technical stakeholders. While you will support the operational foundations of oversight, such as exams and audits, you will also drive process improvements, automate workflows utilizing AI, and provide strategic visibility into the health of our compliance program.
About the Team:
The Financial Crime Oversight & Advisory team is responsible for second-line oversight of Gusto’s financial crime compliance program which spans across Gusto’s multiple products, jurisdictions, and regulatory obligations. We partner with internal stakeholders to meet regulatory expectations and ensure our platform remains safe for our customers.
Effective oversight depends on strong data analysis, clear communication, and proactive collaboration. This role plays a key part in elevating our oversight capabilities through data-driven insights and cross-functional partnership.
Here’s what you’ll do day-to-day:
- Product Advisory & Regulatory Support: Partner with Product and Engineering to embed financial crime controls early in development; conduct regulatory research and manage policy lifecycle updates.
- Audit & Regulatory Coordination: Lead audit and exam coordination, preparing and presenting evidence to regulators, partners, and external stakeholders.
- Vendor Oversight: Support compliance vendor lifecycle including RFPs, tooling evaluations, and ongoing performance and regulatory oversight.
- Issue Management & Testing: Oversee issue remediation lifecycle, conduct root cause analysis, and execute testing and evidence packaging to maintain inspection readiness.
- Data Storytelling & Reporting: Develop recurring oversight metrics and governance reporting; drive AI-enabled solutions to reduce manual processes, translate data trends into executive-ready insights on control effectiveness and product health.
- Oversight Operations & Team Enablement: Coordinate recurring oversight workstreams, training initiatives, and planning efforts to ensure alignment and operational readiness.
Here’s what we're looking for:
- 5+ years of experience in financial crime compliance, risk oversight, audit, or regulatory environments within a regulated FinTech, payments, or financial services organization.
- Strong analytical skills with experience producing recurring metrics, dashboards, or governance reporting and translating data into clear, executive-ready insights.
- Experience supporting or coordinating audits, regulatory exams, or partner due diligence activities, with comfort presenting evidence and documentation to external stakeholders.
- Demonstrated ability to partner cross-functionally with Product, Engineering, Operations, and Legal teams to embed risk controls into evolving processes and systems.
- Experience managing issue tracking and remediation workflows, including root cause analysis and follow-through across multiple stakeholders.
- Strong written and verbal communication skills, with the ability to explain complex financial crime risks and control effectiveness to non-technical audiences.
- A proactive, ownership-oriented mindset with the ability to manage multiple priorities in a fast-paced, regulated environment.
- A genuine appreciation of and excitement for the work of financial crime compliance, the adoption of AI enabled technologies, and partnering cross-functionally to drive positive compliance and business outcomes.
Nice to have:
- Experience with compliance or governance tooling, vendor management, or RFP processes.
- Familiarity with AML, fraud, sanctions, or broader financial crime frameworks.
- Experience using data tools (e.g., SQL, Excel, BI tools) to analyze trends and automate reporting.
- Experience developing AI solutions and agents to automate manual processes.
- CAMS Certification
Our starting annual cash compensation amount for this role is between 89,000-109,000/year in Denver and 110,000-133,000/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.
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.
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Gusto Denver, Colorado, USA Office
Gusto's Denver office is located right off of the 16th Street Mall, a pedestrian-friendly area packed with shopping, restaurants, and attractions. Many Gusties take RTD transit, while others bike and drive in to the office.
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