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Gusto

Staff Software Engineer, Payments / Risk

Gusto
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hybrid staff full-time $163,000–$204,000 in Denver & most remote locations, and $19 San Francisco, CA - Hybrid; New York, NY - Hybrid

First indexed 25 Apr 2026

Description

About Gusto

At Gusto, we're on a mission to grow the small business economy. We handle the hard stuff , payroll, health insurance, 401(k)s, and HR , so owners can focus on their craft and their customers.

We're looking for seasoned full-stack software engineers to join the teams behind Gusto's payments and risk platforms to serve small business owners every day. As a Staff Software Engineer, you'll operate across the full lifecycle of either the payments or risk system: shaping architecture early in the design process, building self-service internal features and APIs, and owning their performance long after launch.

That means engineering the core business engine, enabling product teams with reliable backend services, and setting the engineering standard for those around you. If you're drawn to enabling world-class money movement or financial risk system with impact , helping power the livelihoods of millions using Gusto products , join us!

Responsibilities

  • Design, build, and test Gusto core money movement or risk platform services – payment rails, ledgering, wallets, fraud, decisioning engine, KYC, AML, and compliance capabilities, among others
  • Mentor other engineers to help solve some of the hardest technical problems out there in very complex domains and at a large scale
  • Help scale one of the largest Ruby/Rails and Javascript/React applications in the world
  • Collaborate with our Product Engineering, Product Management, Data, Design, and financial operations teams to understand customer pain points, come up with solutions, and then prototype, iterate, and launch
  • Build platforms that engineering teams rely on, and trust to deliver products that our customers genuinely love

Requirements

  • Successful applicants typically have 8+ years of software development experience
  • Passion for creating scalable, efficient money movement platforms for users
  • Experience leveraging AI tools or systems to accelerate development, improve testing, and deliver new platform capabilities
  • Curiosity and experimentation with emerging AI frameworks, applying and sharing best practices to evaluate and scale AI use safely across teams
  • Experience owning multi-quarter projects that solve complex engineering problems and make measurable user impact at scale
  • Experience with large scale refactors, performance and reliability issues, and a strong sense of ownership over all aspects of your platform area
  • Ability to mentor engineers to maximize their performance and impact

Benefits

  • Competitive base pay
  • Benefits
  • Equity (RSUs)

Note: The San Francisco office expectations encompass both the San Francisco and San Jose metro areas.

This listing is enriched and indexed by YubHub. To apply, use the employer's original posting: https://job-boards.greenhouse.io/gusto/jobs/7822587