Payment Operations Analyst

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