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Salary: USD 89,165 - 136,456 / annual
Gusto is seeking a Senior Fraud Investigations Analyst to join its Fraud Investigations team. You will independently conduct complex end-to-end fraud investigations involving account takeover, business email compromise, identity theft, payment fraud, and emerging fraud typologies. Using investigative expertise, open-source intelligence, internal data, and AI-enabled tools, you will identify root causes, assess risk, and document investigative findings.
Gusto's platform supports over 500,000 small businesses across diverse industries, creating a dynamic fraud landscape that requires strong analytical thinking, sound judgment, and adaptability. You will encounter complex fact patterns, sophisticated social engineering schemes, and evolving attack vectors that require balancing customer impact, operational considerations, and risk mitigation.
Day-to-day responsibilities include:
- Independently analyzing account activity, transactional behavior, authentication data, customer communications, and external intelligence sources to surface fraud indicators and build investigative narratives
- Synthesizing findings into clear case narratives and preparing Unusual Activity Referrals (UARs) for Financial Crime Compliance partners; escalating high-risk events with risk-based remediation recommendations
- Supporting customers impacted by fraud and coordinating with external banking partners on fund recovery efforts, including Letters of Indemnity
- Leveraging AI-enabled tools to accelerate alert triage, issue spotting, research, evidence gathering, and documentation while critically validating AI-generated outputs for accuracy and compliance
- Collaborating with Risk, Compliance, Product, Engineering, and Data Science teams to surface emerging threats, close control gaps, and improve investigative tooling and AI-assisted workflows
- Mentoring junior analysts on fraud typology identification, evidence gathering, and case narrative quality through case reviews and structured feedback
The Fraud Investigations team is responsible for investigating fraud impacting Gusto, its customers, and financial partners. The team conducts complex investigations, supports customer remediation and fund recovery efforts, and partners across the organization to identify emerging threats and strengthen fraud prevention controls.
Gusto offers competitive base pay, benefits, and equity (RSUs) for all full-time employees. The company has physical office spaces in Denver, San Francisco, and New York City. Hybrid employees are expected to work from the office approximately 2-3 days per week. AI is a fundamental part of how work gets done at Gusto, and all team members are expected to actively engage with AI tools relevant to their role.
REQUIREMENTS:
- 5+ years of fraud investigations, fraud detection, or similarly complex investigative work within a financial institution, FinTech, payment processor, or regulated environment
- Strong investigative writing and analytical skills with the ability to document complex fact patterns, develop defensible narratives, and assess risk across ambiguous scenarios
- Experience across fraud typologies including account takeover, business email compromise, identity theft, payment fraud, and social engineering
- Sound investigative judgment with the ability to manage multiple investigations simultaneously, make risk-based recommendations under pressure, and communicate findings with empathy and clarity to customers, external institutions, and cross-functional stakeholders
- Experience using AI-enabled tools in day-to-day investigative workflows and the ability to critically evaluate AI-generated outputs for accuracy, completeness, and alignment with investigative standards
- Experience mentoring or providing structured feedback to junior investigators
- Certified Fraud Examiner (CFE), CAMS, or other relevant financial crime certifications are a plus
