# Fraud Investigations Analyst

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

**Apply**: https://job-boards.greenhouse.io/gusto/jobs/8029175?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/jobs/job_65a6ec7b-2dc

## Description

Gusto is seeking a Fraud Investigations Analyst to join its Fraud Investigations team.

The role involves conducting end-to-end fraud investigations involving account takeover, business email compromise, identity theft, payment fraud, and other emerging fraud typologies.

Key responsibilities:

- 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 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

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

- Certified Fraud Examiner (CFE), CAMS, or other relevant financial crime certifications are a plus

Salary range: $89,165/yr - 112,942/year in Denver and $110,640/yr -$136,456/year for New York/San Francisco

## Skills

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

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

---

Source: [Apply at job-boards.greenhouse.io](https://job-boards.greenhouse.io/gusto/jobs/8029175?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)