Senior Software Engineer, Risk

About Gusto

At Gusto, were on a mission to grow the small business economy We handle the hard stuff — payroll, health insurance, 401(k)s, and HR — so owners can focus on their craft and their customers

With teams in Denver, San Francisco, and New York, we support more than 500,000 small businesses nationwide and are building a workplace that reflects the people we serve.

All full-time employees receive competitive base pay, benefits, and equity (RSUs) — because everyone who helps build Gusto should share in its success. Offer amounts are determined by role, level, and location. Learn more about our Total Rewards philosophy .

AI is a fundamental part of how work gets done at Gusto. We expect all team members to actively engage with AI tools relevant to their role and grow their fluency as the technology evolves. AI experience requirements vary by role and will be assessed during the interview process.

About the Role

Were hiring engineers to join our Risk Engineering team, which works on core platform capabilities, improves our existing systems for extensibility and scalability, and builds the future of Gustos Risk system

As a Senior Software Engineer, youll lead well-scoped — and sometimes technically or organizationally complex projects end-to-end: driving technical design, partnering with product, design, and data teams to plan and deliver, and writing the code that powers core experiences

Youll be a domain expert other engineers turn to, and youll set the technical example for your team If youre interested in building elegant software with far-reaching effects in our modern economy, join us!

About the Team

In order to enable growth for Gusto and our customers, the Risk org is responsible for defining best-in-class user experiences in order to mitigate financial and reputation risk

This team within our Risk Org is responsible for building the infrastructure for a.) bad actor platform capabilities to prevent fraudsters from abusing Gustos platform while improving false positive rate and, b.) the credit underwriting and collections platform to enable faster and greater access to credit while minimizing financial loss.

Here’s what you’ll do day-to-day

Design, build, and test infrastructure capabilities that enable the Risk team to efficiently build unique, custom-tailored experiences for existing and emerging Risk products Lead well-scoped, sometimes complex projects end-to-end from technical design through rollout partnering with Engineering, Product Management, Design, Data Science, and Operations Help scale one of the largest Ruby/Rails and T