Staff Software Engineer, Payments Risk

About Gusto

At Gusto were 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 500000 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.

About the Role:

Were looking for seasoned full-stack software engineers to join the teams behind Gustos payments and risk platforms to serve small business owners every day.

As a Staff Software Engineer youll operate across the full lifecycle of either the payments or risk system: shaping architecture early in the design process building self-service internal features and APIs and owning their performance long after launch. That means engineering the core business engine enabling product teams with reliable backend services and setting the engineering standard for those around you.

If youre drawn to enabling world-class money movement or financial risk system with impact helping power the livelihoods of millions using Gusto products join us!

About the Teams:

Payments The Payments team owns all money movement operations across Gustos suite of products enabling funds to move safely between partners employers employees and government authorities. As a Payments Engineer youll build new payments capabilities across US and international markets and help rearchitect our payments platform to scale for the future.

Risk The Risk team builds best-in-class experiences that protect Gusto and our customers from financial and reputational harm. As a Risk Engineer youll develop infrastructure for two core areas: bad actor prevention stopping fraudsters from abusing Gustos platform while reducing false positives and credit underwriting and collections enabling faster broader access to credit while minimizing financial loss.

Heres what youll do day-to-day:

• Design build and test Gusto core money movement or risk platform services payment rails ledgering wallets fraud decisioning engine KYC AML and compliance capabilities among others
• Mentor other engineers to help solve some of the hardest technical problems out there in very complex domains and at a large scale
• Help scale one of the largest Ruby/Rails and Javascript/React applications in the world
• Collaborate with our Product Engineering Product Management Data Design and financial operations teams to understand customer pain points come up with solutions and then prototype iterate and launch
• Build platforms that engineering teams rely on and trust to deliver products that ourcustomers genuinely love

Heres what were looking for:

• Successful applicants typically have 8 years of software development experience
• Passion for creatingscalable efficient money movement platformsfor users
• Experience leveraging AI tools or systems to accelerate development improve testing and deliver new platform capabilities
• Curiosity and experimentation with emerging AI frameworks applying and sharing best practices to evaluate and scale AI use safely across teams
• Experience owning multi-quarter projects that solve complex engineering problems and make measurable user impact at scale
• Experience with large scale refactors performance and reliability issues and a strong sense of ownership over all aspects of your platform area
• Ability to mentor engineers to maximize their performance and impact

Others:

• Experience in or interest working in Ruby on Rails
• Appreciation for a collaborative test-driven environment
• Ability to build well-structured maintainable well-documented code
• Ability to effectively communicate across engineering teams and with business stakeholders

Do you prefer a non-payments or risk-specific platform role instead Check out our Staff Software Engineer Core Platforms job listing.

Please note that a two day travel to a Gusto office for onboarding is required for this position.If you have any questions regarding this requirement please share with your recruiter.

Our cash compensation amount for this role is targeted at $163000$204000 in Denver & most remote locations and $197000$247000 for San Francisco & New York. Stock equity is additional. 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 Gustos 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 its 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 toGustos Applicant Privacy Notice.