Is the Fraud Investigations Analyst role remote?

It's hybrid — Gusto expects some on-site time in Denver, CO, United States.

What's the salary range?

Gusto lists $89,165–$112,942 for this role.

How much experience is required?

At least 5 years of relevant experience for this Fraud Investigations Analyst role.

Where is the role based?

Gusto is hiring for this position in Denver, CO, United States.

What seniority level is this role?

Gusto targets senior candidates for this position.

Is this full-time or contract?

Full-time for this Fraud Investigations Analyst role at Gusto.

Fraud Investigations Analyst at Gusto

Joblaze summary

The Senior Fraud Investigations Analyst at Gusto conducts complex investigations into various fraud types, including account takeover and identity theft, using a mix of analytical skills and AI tools. This role requires a strong background in fraud detection, with at least five years of experience in a financial or regulated environment, and the ability to synthesize findings into clear narratives. Ideal candidates are adept at managing multiple investigations and mentoring junior analysts. The position is part of a team that collaborates across departments to enhance fraud prevention and support small businesses.

Joblaze insights

Listed today — first seen on Joblaze October 14, 2026. Last confirmed on Gusto's careers page October 14, 2026.
Salary band is below the typical range for comparable tech roles (median ~$130,000).
Starts above 4% of 1214 comparable senior other roles in United States we track (median $143,000 across 185 companies).

Quick facts

Is the Fraud Investigations Analyst role remote?: It's hybrid — Gusto expects some on-site time in Denver, CO, United States.
What's the salary range?: Gusto lists $89,165–$112,942 for this role.
How much experience is required?: At least 5 years of relevant experience for this Fraud Investigations Analyst role.
Where is the role based?: Gusto is hiring for this position in Denver, CO, United States.
What seniority level is this role?: Gusto targets senior candidates for this position.
Is this full-time or contract?: Full-time for this Fraud Investigations Analyst role at Gusto.

From the original posting

About Gusto

About the Role:

Gusto is seeking a Senior Fraud Investigations Analyst to join our Fraud Investigations team. In this role, you will independently conduct the most complex end-to-end fraud investigations involving account takeover, business email compromise, identity theft, payment fraud, and other emerging fraud typologies. Using a combination of investigative expertise, open-source intelligence, internal data, and AI-enabled tools, you will identify root causes, assess risk, and document investigative findings.

Fraud investigations at Gusto present unique and intellectually engaging challenges. Our platform supports hundreds of thousands of small businesses across diverse industries, ownership structures, and geographies, creating a dynamic fraud landscape that requires strong analytical thinking, sound judgment, and adaptability. Analysts encounter complex fact patterns, sophisticated social engineering schemes, and evolving attack vectors that often require balancing customer impact, operational considerations, and risk mitigation. This role is ideal for someone who enjoys deep investigative work, thrives in ambiguity, and leverages AI as a core part of their workflow to improve efficiency, consistency, and investigative quality.

About the Team:

The Fraud Investigations team is responsible for investigating fraud impacting Gusto, its customers, and its financial partners. The team conducts complex investigations, supports customer remediation and fund recovery efforts, and partners with Risk, Financial Crime Compliance, Product, and Engineering teams to identify emerging threats and strengthen fraud prevention controls. Through detailed investigative work and root cause analysis, the team helps protect the integrity of Gusto's platform and the small businesses we serve.

Here’s what you’ll do day-to-day:

Independently 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 alert triage, issue spotting, 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
Mentor junior analysts on fraud typology identification, evidence gathering, and case narrative quality through case reviews and structured feedback

Here’s what we're looking for:

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
Experience mentoring or providing structured feedback to junior investigators
Certified Fraud Examiner (CFE), CAMS, or other relevant financial crime certifications are a plus

Our cash compensation amount for this role is between $89,165/yr - $112,942/yr in Denver and $110,640/yr -$136,456/yr for New York and San Francisco. Final offer amounts are determined by multiple factors including candidate location, experience and expertise and may vary from the amounts listed above. Compensation for this position also includes an equity package and performance bonuses.

At Gusto, we don't use titles the traditional way, as a signal of rank or hierarchy. Instead, our titles describe two things at once — your craft (what you do, e.g. Engineering, Design) and your scope of ownership (what you're accountable for) — which is why you'll see something like "Head of X" instead of a rank word like "Director" that tells you neither. Because of this, the title on this posting may look different from what you'd expect based on the scope and seniority of the role, and from how similar roles are typically titled elsewhere. If you have questions about how this role compares to your current title or level, your recruiter can help translate.

Standard company text repeated across Gusto's postings is omitted here.

Fraud Investigations Analyst

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