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Staff Software Engineer - Payments & Risk

GustoSan Francisco, CA - Hybrid; New York, NY - Hybrid
Hybrid Full-time $163K/yr - $247K/yr

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Experience Level

Senior

Qualifications

Key Responsibilities:Develop and maintain scalable software solutions for payments and risk managementCollaborate with cross-functional teams to enhance payment and risk systemsEngage actively with AI tools to optimize work processesSet and uphold engineering standards across the organizationRequired Qualifications:Extensive experience in software development, particularly in full-stack environmentsSolid understanding of payment processing and risk assessment frameworksProficiency in modern programming languages and frameworksExceptional problem-solving skills and the ability to work collaboratively

About the job


About Gusto

Gusto supports over 400,000 small businesses nationwide by handling payroll, health insurance, 401(k) plans, and HR services. This work helps business owners focus on what matters most to them and their customers. With offices in Denver, San Francisco, and New York, Gusto aims to build a workplace that reflects the diversity of the communities it serves.

Full-time employees receive competitive salaries, a comprehensive benefits package, and equity in the form of RSUs. Compensation varies by role, level, and location. Details about Gusto’s approach to rewards can be found on their Total Rewards philosophy page.

AI plays a key role in daily operations at Gusto. Team members are expected to use AI tools relevant to their work and continue building their skills as technology evolves. The level of AI experience required depends on the position and will be assessed during the interview process.

Role Overview: Staff Software Engineer – Payments & Risk

Gusto is hiring experienced full-stack engineers for teams working on payments and risk platforms. These systems serve small business owners every day.

Staff Software Engineers in this group work across the full lifecycle of payments or risk systems: shaping architecture early in design, building internal features and APIs, and maintaining performance after launch. The work includes engineering the core business engine, providing reliable backend services for product teams, and setting a high standard for engineering practices.

Team Focus Areas

  • Payments: The Payments team manages all financial transaction operations for Gusto’s products. This includes ensuring secure fund transfers among partners, employers, employees, and government agencies. Engineers on this team build new payment features for both U. S. and international markets and help redesign the payments platform to support future growth.
  • Risk: The Risk team develops systems that protect Gusto and its clients from financial risks. This work shapes experiences that keep customers and the company safe.

Location

This role is based in San Francisco, CA (hybrid) or New York, NY (hybrid).

About Gusto

Gusto is at the forefront of revolutionizing the small business economy by simplifying complex business management tasks. With a focus on creating a supportive and diverse workplace, we aim to empower entrepreneurs to thrive.

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