Head of Risk and Money Services

Gusto

Head of Risk & Money Services protecting Gusto’s payroll, payments, and financial products. Building regulated operations across fraud, disputes, compliance, collections, and consumer banking.

Posted 9/4/2026full-timeDenver • Colorado • 🇺🇸 United StatesLead💰 $170,000 - $215,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive expertise in managing financial services operations, particularly in Reg E compliance, BSA/AML response, and fraud risk management. Proven ability to lead cross-functional teams and build scalable, AI-native operational infrastructures in regulated environments.

Highest-signal resume keywords

Reg E Dispute ProcessingBSA/AML Operational ResponseFraud Operations LeadershipOperational Governance and ControlsAI-Native Operations Development

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Fraud Risk ScoringAccount Takeover ResponseFund Recovery OperationsSLA DevelopmentControls DocumentationReporting InfrastructureTransaction MonitoringOperational Policy AlignmentDigital Wallet ManagementCash Advance Operations

Soft Skills

Empathetic LeadershipOrganizational Change ManagementTeam BuildingCross-Functional CollaborationInclusive Team Development

Industry Keywords

Financial ServicesPaymentsMoney MovementRegulated DomainsSponsor Bank RelationshipsAudit ReadinessConsumer BankingReal-Time PaymentsOperational ReadinessRisk Management

About the role

Key responsibilities & impact

Own Risk & Money Services end to end, including fraud and payment risk decisioning, BSA/AML compliance, Reg E dispute operations, collections, and Gusto's money products
Lead a multi-disciplinary regulated financial services organization through senior leaders
Define governance, metrics, SLAs, reporting infrastructure, controls documentation, audit readiness, workforce management, and escalation frameworks
Oversee high-stakes real-time decisions involving payroll, disputes, fraud signals, and fund recovery
Own Gusto's operational Reg E compliance program from intake through resolution and customer communication
Lead operational responses to BSA/AML alerts, including transaction monitoring response, customer outreach, and account action
Build operational infrastructure, SOPs, workforce models, controls, and SLAs for Gusto Wallet, Cash Advance, and consumer financial products
Drive AI-native transformation through AI agents, semantic knowledge, and automation
Partner with Product, Engineering, Compliance, Legal, and Risk on operational readiness and product priorities
Represent Risk & Money Services with sponsor banks, regulators, and auditors
Build the operational playbook for new financial products and business banking expansion
Develop, hire, and scale leaders and teams

Requirements

What you’ll need

12+ years of industry experience leading financial services operations in banking, payments, money movement, fraud and risk, or related regulated domains
7+ years as a departmental leader running large, multi-disciplinary financial services operations teams
Deep expertise in Reg E dispute processing, BSA/AML operational response, ACH and real-time payments risk, sponsor bank operational requirements, and auditable controls infrastructure
Hands-on experience building or leading fraud operations, including payment risk scoring, account takeover response, and fund recovery operations
Operational background in consumer banking, digital wallet, cash advance, or similar products
Experience standing up or formalizing regulated financial functions, including SLAs, controls documentation, governance, and reporting infrastructure
Experience navigating sponsor bank and regulatory relationships, including audit readiness, operational policy alignment, and escalation to compliance and legal
Experience leading high-stakes, real-time financial decisions with material financial consequences
Experience building reliable, scalable, AI-native operations in regulated domains
Strong cross-functional experience with Product, Engineering, Compliance, Legal, and Risk
Track record of delivering for multiple senior partners across overlapping financial product lines
Ability to lead through significant organizational change
Empathetic and employee-focused approach
Track record of building diverse and inclusive teams

Benefits

Comp & perks

Competitive base pay
Benefits
Equity (RSUs)
Secure, reliable, and consistent internet connection requirement when approved to work from a non-office location
Equal opportunity employment
Reasonable accommodations for qualified individuals with disabilities and disabled veterans