Fraud Investigations Analyst
Gusto is a payroll and HR platform that helps small businesses pay domestic and international employees, manage benefits, and automate compliance.
Projects
About Gusto
Gusto serves small and mid-sized businesses with payroll processing, employee benefits administration, and HR tools in one platform. Users can run payroll, manage health insurance, hire globally, and pay international contractors in local currency or USDC stablecoins. The platform automates payroll tax filings across multiple states and integrates with tools like QuickBooks and Xero.
Skills
About the Role
You will conduct end-to-end fraud investigations involving account takeover, business email compromise, identity theft, payment fraud, and other emerging fraud typologies. You will analyze account activity, transactional behavior, authentication data, and external intelligence sources to surface fraud indicators and build well-supported investigative narratives. You will prepare Unusual Activity Referrals, escalate high-risk events, support customers impacted by fraud, and coordinate with banking partners on fund recovery. You will leverage AI-enabled tools to accelerate research and documentation while validating AI-generated outputs, and collaborate with Risk, Compliance, Product, Engineering, and Data Science to surface emerging threats and improve investigative tooling.
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 and make risk-based recommendations under pressure
- Experience using AI-enabled tools in day-to-day investigative workflows and ability to critically evaluate AI-generated outputs
- Certified Fraud Examiner (CFE), CAMS, or other relevant financial crime certifications are a plus
Responsibilities
- Analyze account activity, transactional behavior, authentication data, customer communications, and external intelligence sources to surface fraud indicators and build investigative narratives
- Synthesize investigative findings into clear case narratives and prepare Unusual Activity Referrals (UARs) for Financial Crime Compliance partners
- 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
- Collaborate with Risk, Compliance, Product, Engineering, and Data Science to surface emerging threats, close control gaps, and improve investigative tooling and AI-assisted workflows
Benefits
- Health insurance
- 401(k)
- Equity (RSUs)
- Performance bonuses
- Hybrid work with 2-3 office days per week