Payment Operations

Join Gusto, a leading payroll and HR platform, as a Payment Operations Analyst. In this role, you will own specific end-to-end payment workflows, resolve exceptions, and help improve system reliability and efficiency. You will collaborate closely with various teams, including Engineering, Product, Accounting, Risk, and CX, and develop strong relationships with Gusto's bank and payment partners. This position requires strong analytical skills, clear communication, and a working knowledge of domestic and international payment systems.

• Support the payment lifecycle end-to-end by owning the operational layer of specific payment workflows, investigating issues, and driving them to resolution.
• Collaborate closely with Engineering, Product, Accounting, Risk, and CX to shape how payment systems work, contribute to product specs, and participate in launches.
• Work directly with Gusto's bank and payment partners to triage issues, resolve escalations, and maintain strong working relationships.
• 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)
• 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
• 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
• Experience working with bank portals, payment processors, or reconciliation tools
• Comfortable working in ambiguity and taking ownership without waiting for perfect information
• Knowledge of relevant compliance frameworks (Nacha operating rules, unclaimed property, money transmission) is a strong plus
• 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
• 3+ years of experience in payment operations, banking operations, treasury operations, or a related role at a fintech or financial institution