Fraud Analyst

About the Role:

The ideal candidate thrives in a cross-functional, fast-paced environment and is passionate about financial crime compliance.  You’ll need a minimum of 3+ years investigating fraud at a financial institution or start-up.  Fraud Investigations analysts support Gusto's customers who have been targeted by fraud, conduct root cause analyses for individual fraud and account takeover events, and draft comprehensive Unusual Activity Referrals (UARs) for subsequent reporting by Gusto’s other financial crime compliance teams. 

Gusto is building the best FIU in the country, committed to attracting high-performing individuals with a strong sense of justice and the expertise to match.  If you can independently conduct and lead complex investigations, this role offers a significant opportunity to impact our customers and company as we expand and scale our People Platform.

About the Team:

The Fraud Investigations team is dedicated to safeguarding Gustomers and Gusto from fraudulent activity. Our analysts conduct deep dives on account activity and collaborate with internal and external partners to identify, mitigate, and report fraud risks. Beyond investigation, the team provides essential support to impacted customers by offering guidance on account protection and recovery efforts. Additionally, they actively engage with external parties to recover stolen funds and document all investigative findings for comprehensive case management.

Here’s what you’ll do day-to-day:

• Investigate and document comprehensive reports of potential fraud related activity surfaced by  internal teams, external partners, and customers. 
• Educate customers impacted by fraud on how to protect their accounts and how Gusto can assist.
• Reach out to external parties and help issue Letters of Indemnity to help secure fraudulent funds that have been stolen from Gustomers and Gusto.
• Collaborate with the risk, engineering, data science, and insight teams to enhance the tools and processes used for identifying, investigating, and reporting fraud.

Here’s what we're looking for:

• 3+ years of experience in fraud prevention, detection and/or investigation with experience in investigative writing and filing. Bonus if in the banking or payments industry and have an understanding of account takeover and device fingerprinting.
• At least 1+ years of experience in customer-facing roles, including managing challenging interactions with distressed or upset individuals.
• Proven ability to lead and guide stakeholders through complex events, ensuring alignment and clear communication during periods of high pressure.
• An adaptable innovator who proactively leverages new tools, including AI, to build efficient processes, conduct in-depth investigations, and drive results.
• An insatiable appetite for problem solving, knack for structured thinking, ability to spot unusual patterns, and sharp attention to detail.
• Strong organizational and communication skills. Maintains clear documentation and utilizes strong written communication techniques.

Bonus

• Experience leveraging tools like SQL, AI, and business intelligence dashboards for proactive data retrieval, manipulation, and analysis.
• Previous experience collaborating with data science, engineering, and design teams to implement fraud policies and new features.
• CFE and/or CAMS certified

Our cash compensation amount for this role is between $75,000 - $85,000/year in Denver and $93,000 - $105,000/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.