Fraud Investigations Analyst

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.

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:

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