Compliance Officer

Gusto

Financial services compliance leader scaling product compliance for Gusto, a payroll, benefits, and HR platform for small businesses. Advising product teams, managing regulatory risk, and building AI-enabled compliance workflows.

Posted 8/15/2026full-timeSan Francisco • California, Colorado, New York • 🇺🇸 United StatesSeniorLead💰 $148,085 - $215,180 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Expertise in financial services compliance, including regulatory change management and compliance program development, with a focus on AI-enabled solutions and risk management. Strong ability to translate complex regulations into actionable guidance and collaborate cross-functionally with various stakeholders.

Highest-signal resume keywords

10+ Years Compliance ExperienceFinancial Services Compliance ExpertiseRegulatory Change ManagementAI Tools ProficiencyEmbedded Finance Experience

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Compliance ManagementRisk AssessmentRegulatory GuidanceControl TestingVendor OnboardingIssue ManagementFinancial RegulationsCompliance ReportingProactive Risk ManagementAudit Coordination

Soft Skills

Strong JudgmentIssue-Spotting SkillsClear Communication

Tools & Technologies

AI ToolsChatGPTClaudeGeminiGleanNotion AI

Industry Keywords

TILATISAECOAFCRAFDCPAReg EUDAAPNACHA RulesTCPACAN-SPAM

About the role

Key responsibilities & impact

Serve as a strategic compliance partner to Product, Engineering, and business stakeholders on financial services regulations across lending, embedded finance, deposit products, payments, and money movement
Mature and expand Gusto's Compliance Management Program for emerging financial services and payments offerings
Own regulatory change management with Government & Regulatory Affairs
Translate complex regulations into actionable guidance, controls, procedures, training, and documentation
Oversee product compliance controls, monitoring, control testing, risk assessments, and issue management
Support vendor onboarding, third-party risk assessments, due diligence, and ongoing oversight
Liaise with banking and strategic partners on audits, compliance reporting, examinations, regulatory inquiries, and remediation
Design and apply AI-enabled workflows for compliance monitoring, control testing, documentation, and issue management with human oversight
Report to the Head of Financial Services Compliance
Partner cross-functionally with Product, Engineering, Legal, Compliance, Marketing, Operations, and business leaders

Requirements

What you’ll need

10+ years of relevant compliance experience in an in-house legal, compliance, risk, or regulatory function at a regulated financial institution, fintech, payments company, or financial services business
Deep expertise in financial services and payments compliance, including TILA, TISA, ECOA, FCRA, FDCPA, Reg E, UDAAP, NACHA rules, TCPA, CAN-SPAM, and related state laws
Experience with embedded finance, banking-as-a-service, sponsor bank partnerships, payments, ACH, card programs, lending, or deposit account products
Experience building, scaling, or enhancing compliance programs, including AI-enabled scalability and proactive risk management
Experience advising Product, Engineering, Marketing, Legal, and Operations teams on product launches, partnerships, and customer-facing or marketing materials
Experience working with banking partners, payment processors, auditors, or regulators, including audits, examinations, partner bank reviews, and remediation
Strong judgment and issue-spotting skills; ability to distill complex regulations into clear guidance and make practical risk-based decisions
Demonstrated experience using AI tools such as ChatGPT, Claude, Gemini, Glean, Notion AI, or similar, with human review, testing, and quality controls
Ability to work from designated Gusto office days when based in applicable office locations

Benefits

Comp & perks

Competitive base pay
Health insurance
401(k) plan
Equity (RSUs)
Hybrid work arrangement
Secure, reliable, and consistent internet connection required when approved to work outside a Gusto office
Equal opportunity employer
Reasonable accommodations for qualified individuals with disabilities and disabled veterans