# Payment Operations Analyst

**Company**: Gusto
**Location**: New York, NY
**Work arrangement**: hybrid
**Experience**: senior
**Job type**: full-time
**Category**: Finance
**Industry**: Finance

**Apply**: https://job-boards.greenhouse.io/gusto/jobs/8180461?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/jobs/job_bbee291e-368

## Description

At Gusto, we're on a mission to grow the small business economy.

As a Payment Operations Analyst, you'll own specific end-to-end payment workflows, resolve exceptions that require real judgment, and help make our systems more reliable and efficient over time.

**Responsibilities**

- Support the payment lifecycle end-to-end - Own the operational layer of specific payment workflows , ACH processing, exception handling, refunds, collection re-debits, reconciliation.

- Build alongside Product and Engineering - Payment Operations doesn't just react , we shape how the systems work.

- Close the loop on customer pain - Customer and CX feedback is signal.

- Think in systems - Connect the dots across rails, partners, reconciliation, compliance, and customer experience.

- Hold partners to a high standard - Work directly with Gusto's bank and payment partners , domestic and international , to triage issues, resolve escalations, and maintain strong working relationships.

- Lead with AI - You use AI as a genuine work partner , to move faster on analysis, draft communications, synthesize data, and automate the repetitive.

**Requirements**

- 3+ years of experience in payment operations, banking operations, treasury operations, or a related role at a fintech or financial institution

- Working knowledge of domestic payment rails (ACH/Nacha, wires, RTP) and/or international money movement (cross-border transfers, FX, global disbursement networks)

- 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)

- Experience working with bank portals, payment processors, or reconciliation tools

- Ability to communicate clearly with both operational and technical counterparts

- Comfortable working in ambiguity and taking ownership without waiting for perfect information

- 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

- Knowledge of relevant compliance frameworks (Nacha operating rules, unclaimed property, money transmission) is a strong plus

## Skills

### Required
- ACH processing
- exception handling
- payment operations
- bank portals
- reconciliation tools
- analytical skills
- communication skills
- AI

### Nice to have
- SQL
- international money movement
- compliance frameworks

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Source: [Apply at job-boards.greenhouse.io](https://job-boards.greenhouse.io/gusto/jobs/8180461?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)