Payment Operations Analyst

Join Gusto, a leading fintech company, as a Payment Operations Analyst. In this role, you will own specific end-to-end payment workflows, resolve exceptions, and help improve system reliability and efficiency. You will collaborate closely with various teams, including Engineering, Product, Accounting, Risk, and Customer Experience. This position requires strong analytical skills, experience in payment operations, and a commitment to using AI as a productivity tool.

• Support the payment lifecycle end-to-end, owning the operational layer of specific payment workflows and resolving exceptions.
• Collaborate closely with Engineering, Product, Accounting, Risk, and CX to shape how the systems work and contribute to product specs.
• Work directly with Gusto's bank and payment partners to triage issues, resolve escalations, and maintain strong working relationships.

• Working knowledge of domestic payment rails (ACH/Nacha, wires, RTP) and/or international money movement (cross-border transfers, FX, global disbursement networks); experience across both is a strong plus
• 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
• 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
• Knowledge of relevant compliance frameworks (Nacha operating rules, unclaimed property, money transmission) is a strong plus
• Comfortable working in ambiguity and taking ownership without waiting for perfect information
• Ability to communicate clearly with both operational and technical counterparts; you can write a crisp Slack to an engineer and a professional escalation to a bank partner
• 3+ years of experience in payment operations, banking operations, treasury operations, or a related role at a fintech or financial institution