Greenhouse ·
full-timeAPEX Risk Operations Analyst
Gusto · Denver, CO - Hybrid
About Gusto At Gusto, we're 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 500,000 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: As an APEX (Agent & Partner Experiences) Risk Operations Analyst, you will serve as a fraud-fighting detective for Gusto's partner ecosystem, playing a key role in keeping Gusto Embedded Payroll (GEP) and our API-driven partnerships the safest and most secure way to run payroll. In this role, you will identify patterns, recognize uncharacteristic behavior across partner-originated activity, and apply critical thinking to protect our partners and their end customers. Beyond investigation, you will continuously look for opportunities to iterate and optimize our processes — driving greater efficiency and reducing partner and customer pain along the way. This role also sits at the front line of Gusto's increasingly AI-native Risk Operations work. You'll serve as the human in the loop for AI-powered workflows — reviewing flagged cases, validating AI outputs, making nuanced decisions where human discretion matters (including complex, white-glove partner cases the AI can't yet confidently resolve), and helping improve the systems we use every day. About the Team: The APEX Risk Operations team sits within the broader Risk Operations organization and is a key stakeholder in company decisions and operations. While our Risk Fraud Operations counterparts protect Gusto's direct customers, APEX safeguards Gusto's partner ecosystem — the businesses and developers who use Gusto behind the scenes through APIs and embedded payroll to power payroll for their own end customers. Gusto Embedded Payroll (GEP) empowers developers to embed payroll solutions directly into their applications, combining robust APIs, embeddable UI flows, and developer toolkits to deliver a next-generation payroll product. Operating like a startup within Gusto, GEP moves fast and experiments often, and our team is pioneering how AI-native risk operations can secure payroll at scale for partners — giving you the chance to define industry best practices in real time. As Gusto continues moving toward an AI-first operating model, APEX is evolving how we work so more case volume is supported by AI before it reaches human review, with analysts focused on judgment, edge cases, and continuous improvement. We are a small, close group that works hard. No egos here — we collaborate, share knowledge freely, and help each other out in a positive environment. Here’s what you’ll do day-to-day: Human + AI Partnership & Feedback: Supervise and validate AI outputs for fraud and ACH risk cases originating from partner and API activity, making nuanced decisions where human discretion is needed, while documenting anomalies and opportunities for model improvement to continuously fine-tune AI system performance. AI-first mindset: Use AI tools in everyday work (Claude, Gemini, etc.). Explore how prompts, automations, or workflow tweaks can make your day-to-day work faster or smarter — and how AI can eliminate blockers not just for you, but for the whole team. Run operations: Own and optimize our operational task queues — keep things flowing, unblock partners and internal teams, and put the pieces together to make sense of partner-originated activity. Protect the partner ecosystem: Safeguard GEP and Gusto's API/embedded partnerships by investigating flagged activity, validating high-impact findings, and taking decisive action to mitigate risk while minimizing friction for legitimate partners and their end customers. Investigate complex, partner-specific cases: Deep-dive into high-value, white-glove, and edge cases tied to partner and API activity that are too sensitive or complex for AI decisioning — including anomalies the AI can't confidently resolve — and turn your findings into reusable AI training examples. Proactive critical thinking: Fraud is a complicated puzzle to solve. Come up with innovative methods to identify trends and patterns in partner and API traffic, and ideally catch unusual activity before impact. Builder mindset in action: Identify small manual pain points in partner-facing workflows and experiment with ways to automate or simplify them usi
| Role | APEX Risk Operations Analyst |
|---|---|
| Company | Gusto |
| Location | Denver, CO - Hybrid |
| Compensation | Not disclosed |
| Posted | 2026-09-29 |
| Deadline | Rolling |
Typical process for this type of role
A general guide — the exact steps for this specific listing may vary; check the original posting for details.
- 1ApplicationSubmit your resume through the apply link.
- 2ScreeningRecruiter reviews your background against the role.
- 3AssessmentA technical test, assignment, or coding round, depending on the role.
- 4Interview(s)One or more rounds with the hiring team.
- 5OfferOffer letter with compensation and start date.
Before you apply
0/4APEX Risk Operations Analyst at Gusto: frequently asked questions
- What is the salary for this role?
- Gusto has not stated compensation in the listing. Check the original posting or ask during the application process.
- Is the APEX Risk Operations Analyst position remote, hybrid or onsite?
- The listing gives Denver, CO - Hybrid as the location and does not state a work mode.
- What is the application deadline?
- Gusto has not listed a fixed deadline, so apply early in case the opening is filled.
- How do I apply for the APEX Risk Operations Analyst role?
- Use the Apply button on this page. It opens the original listing on job-boards.greenhouse.io, where you submit your application with the company.
More at Gusto
Other jobs at Gusto
- Recruiting Operations And Transformation Lead · Denver, CO - Hybrid; New York, NY - Hybrid; San Francisco, CA - Hybrid
- Talent Development Leader, Foundational Talent Products · Denver, CO - Hybrid; San Francisco, CA - Hybrid
- Sr. Sales Operations Analyst · Atlanta, GA - Hybrid; Denver, CO - Hybrid; New York, NY - Hybrid; San Francisco, CA - Hybrid; Scottsdale, AZ - Hybrid; Toronto, Ontario - Remote
- Product Manager, Business Money – SMB Banking · San Francisco, CA - Hybrid
- Senior Manager, Escalation Services · Denver, CO - Hybrid; Scottsdale, AZ - Hybrid
Explore Related Placements
// similar opportunities
You might also like
Legal Operations Analyst
Datadog
Datadog is seeking a Legal Operations Analyst to join our Legal Operations subgroup. In this role you’ll work closely with individuals across the organization i...
Payment Operations Analyst
Gusto
About Gusto At Gusto, we're on a mission to grow the small business economy. We handle the hard stuff — payroll, health insurance, 401(k)s, and HR — so owners c...
Senior Revenue Operations Analyst
Spotify
We are looking for a Senior Revenue Operations Analyst to support Spotify’s global Order-to-Cash operations and revenue close process. You’ll work at the inters...
Sr. Analyst, Product And Pricing Operations
Salesforce
To get the best candidate experience, please consider applying for a maximum of 3 roles within 12 months to ensure you are not duplicating efforts. Job Category...
Sr. Sales Operations Analyst
Gusto
About Gusto At Gusto, we're on a mission to grow the small business economy. We handle the hard stuff — payroll, health insurance, 401(k)s, and HR — so owners c...
Operations Manager
Flexport
About Flexport: At Flexport, we believe global trade can move the human race forward. That’s why it’s our mission to make global commerce so easy there will be ...