# Fraud Investigations Analyst

**Company**: Gusto
**Location**: Denver, CO
**Work arrangement**: hybrid
**Experience**: senior
**Job type**: full-time
**Salary**: $89,165/yr - $112,942/yr in Denver and $110,640/yr -$136,456/yr for New York and San Francisco
**Category**: Legal
**Industry**: Financial Services

**Apply**: https://job-boards.greenhouse.io/gusto/jobs/8275021?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/jobs/job_07dc3b35-fef

## Description

Gusto is seeking a Senior Fraud Investigations Analyst to join our Fraud Investigations team. In this role, you will independently conduct 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.

Responsibilities:

- 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

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

Benefits:

- Competitive base pay

- Benefits

- Equity (RSUs)

- Performance bonuses

## Skills

### Required
- fraud investigations
- analytical skills
- AI-enabled tools
- investigative writing
- risk assessment

### Nice to have
- Certified Fraud Examiner (CFE)
- CAMS

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Source: [Apply at job-boards.greenhouse.io](https://job-boards.greenhouse.io/gusto/jobs/8275021?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)