Gusto, Inc. - Payment Operations Analyst

• 3+ years of experience in payment operations, banking operations, treasury operations, or a related role at a fintech or financial institution • Working knowledge of domestic payment rails (ACH/Nacha, wires, RTP) and/or international money movement (cross-border transfers, FX, global disbursement networks); experience across both is a strong plus • Strong analytical instincts — you look for the pattern behind the problem and can query or structure data to find it (SQL a plus but not required) • Experience working with bank portals, payment processors, or reconciliation tools • Ability to communicate clearly with both operational and technical counterparts; you can write a crisp Slack to an engineer and a professional escalation to a bank partner • Comfortable working in ambiguity and taking ownership without waiting for perfect information • Eager to build AI into how you work — whether you're already using it daily or just getting started, you see it as a genuine productivity lever and are committed to developing that fluency • Knowledge of relevant compliance frameworks (Nacha operating rules, unclaimed property, money transmission) is a strong plus • Our cash compensation amount for this role is targeted at $78,000-$97,000 /yr in Denver & most remote locations, and $97,000-$121,000 /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. • 2-3 days • 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.