Greenhouse ·
full-timeFraud Investigations Analyst
Gusto · Denver, CO - Hybrid; New York, NY - Hybrid; San Francisco, CA - Hybrid
Gusto provides payroll, benefits, and HR software that helps small businesses manage their workforce and finances. The Fraud Investigations Analyst role focuses on uncovering and resolving fraudulent activity that affects Gusto’s platform, its customers, and its financial partners. Day‑to‑day work includes reviewing account activity, transaction patterns, authentication logs, and customer communications to spot signs of account takeover, business email compromise, identity theft, payment fraud, and other emerging schemes. Analysts build detailed investigative narratives, prepare Unusual Activity Referrals for the Financial Crime Compliance team, and advise on remediation steps such as fund recovery letters of indemnity. They use AI‑enabled tools to speed alert triage and evidence gathering while validating outputs for accuracy and compliance. Collaboration with Risk, Product, Engineering, and Data Science teams is required to surface new threats and improve controls, and the role involves mentoring junior analysts on typology identification and case quality. The position suits candidates with five or more years of fraud investigations or detection experience, strong analytical judgment, comfort working in ambiguous situations, and a willingness to integrate AI into their workflow.
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: Gusto is seeking a Senior Fraud Investigations Analyst to join our Fraud Investigations team. In this role, you will independently conduct the most complex end-to-end fraud investigations involving account takeover, business email compromise, identity theft, payment fraud, and other emerging fraud typologies. Using a combination of investigative expertise, open-source intelligence, internal data, and AI-enabled tools, you will identify root causes, assess risk, and document investigative findings. Fraud investigations at Gusto present unique and intellectually engaging challenges. Our platform supports hundreds of thousands of small businesses across diverse industries, ownership structures, and geographies, creating a dynamic fraud landscape that requires strong analytical thinking, sound judgment, and adaptability. Analysts encounter complex fact patterns, sophisticated social engineering schemes, and evolving attack vectors that often require balancing customer impact, operational considerations, and risk mitigation. This role is ideal for someone who enjoys deep investigative work, thrives in ambiguity, and leverages AI as a core part of their workflow to improve efficiency, consistency, and investigative quality. About the Team: The Fraud Investigations team is responsible for investigating fraud impacting Gusto, its customers, and its financial partners. The team conducts complex investigations, supports customer remediation and fund recovery efforts, and partners with Risk, Financial Crime Compliance, Product, and Engineering teams to identify emerging threats and strengthen fraud prevention controls. Through detailed investigative work and root cause analysis, the team helps protect the integrity of Gusto's platform and the small businesses we serve. Here’s what you’ll do day-to-day: Independently analyze account activity, transactional behavior, authentication data, customer communications, and external intelligence sources to surface fraud indicators and build well-supported investigative narratives Synthesize investigative findings into clear case narratives and prepare Unusual Activity Referrals (UARs) for Financial Crime Compliance partners when appropriate; escalate high-risk events with sound, risk-based remediation recommendations Support customers impacted by fraud and coordinate with external banking partners on fund recovery efforts, including Letters of Indemnity Leverage AI-enabled tools to accelerate alert triage, issue spotting, research, evidence gathering and documentation, while critically validating AI-generated outputs for accuracy and compliance with Gusto's AI policies Collaborate with Risk, Compliance, Product, Engineering, and Data Science to surface emerging threats, close control gaps, and improve investigative tooling and AI-assisted workflows Mentor junior analysts on fraud typology identification, evidence gathering, and case narrative quality through case reviews and structured feedback Here’s what we're looking for: 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
| Role | Fraud Investigations Analyst |
|---|---|
| Company | Gusto |
| Location | Denver, CO - Hybrid; New York, NY - Hybrid; San Francisco, CA - Hybrid |
| Type | full-time |
| Compensation | Not disclosed |
| Posted | 2026-10-13 |
| 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
0/4Fraud Investigations 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 Fraud Investigations Analyst position remote, hybrid or onsite?
- The listing gives Denver, CO - Hybrid; New York, NY - Hybrid; San Francisco, CA - 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 Fraud Investigations 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.
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