Head of Risk and Money Services at Gusto · LumiJobs

Responsibilities

This is a builder's role. Risk & Money Services is being stood up as a defined function within a new domain — you will set the SLAs, design the controls, build the metrics framework, establish the governance, and create the playbook that lets Gusto move money with confidence and scale.
Our mission is to create a world where work empowers a better life, and it starts right here at Gusto. That's why we're committed to building a collaborative and inclusive workplace, both physically and virtually.
Here's what you'll do
Own Risk & Money Services end to end. Be the single accountable leader for fraud and payment risk decisioning, BSA/AML compliance, Reg E dispute operations, collections, and the operational backbone of Gusto's money products. Own the customer experience, the regulatory posture, and the financial outcomes across this entire function.
Lead a multi-disciplinary regulated financial services organization through leaders who lead. Direct an organization spanning risk operations, dispute and fraud operations, and consumer money — through leaders who own their function end to end, whom you'll continue to develop, hire, and scale. Be the keeper of quality, speed, and regulatory integrity across all three practices.
Stand up Risk & Money Services as a defined operational function. Define the governance, the metrics framework, the SLAs, and the reporting infrastructure for a function that is being formalized for the first time. Build the operating muscle — controls documentation, audit readiness, workforce management, and escalation frameworks — that makes this domain run with the reliability a regulated function requires.
Own the highest-stakes real-time financial decisions in Gusto's customer operations. Be accountable for the decisions your team makes every day on whether payroll goes out when something looks wrong, whether a dispute warrants provisional credit, whether a fraud signal warrants action, and whether a fund recovery effort can be executed in time. These decisions carry material financial impact for customers and for Gusto — and they happen in real time.
Own Gusto's Reg E compliance posture at the operational level. Lead the operational program that governs Gusto's Reg E dispute obligations — intake, investigation, provisional credit, resolution, and customer communication — in partnership with Compliance and Legal. Ensure the team's practices are auditable, scalable, and consistently defensible.
Lead BSA/AML operational response. Own the customer-facing operational work triggered by BSA/AML alert activity — transaction monitoring response, customer outreach, account action — in partnership with Gusto's Compliance program. Ensure operational response meets the timeliness and documentation standards required by Gusto's sponsor bank relationships and regulatory obligations.
Build Consumer Money for growth. Own the operational infrastructure for Gusto Wallet, Cash Advance, and Gusto's expanding consumer financial product suite. Build the SOPs, workforce model, controls, and SLAs that support consumer product growth while protecting the customers who depend on these products.
Drive AI-native transformation in a regulated financial domain. Partner with Gusto's shared service platform and AI organization to bring AI agents, semantic knowledge, and automation capabilities into Risk & Money Services — accelerating fraud decisioning speed, dispute throughput, and risk signal accuracy while protecting the regulatory accountability this domain requires.
Be the operational counterpart to Product, Engineering, and Risk partners. Operate as the direct customer experience and operational owner across Gusto's money and risk product organizations — translating the operational and regulatory reality of risk and money movement into product priorities, and translating product roadmap into operational and regulatory readiness.

Head of Risk and Money Services

Responsibilities

Qualification

Required

Benefits

Company

Gusto

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