Gusto
Fraud Investigations Analyst
$89K–$136K
Denver, CO - Hybrid +3 · Full-time · Posted Oct 13, 2026
- Location
- Denver, CO - Hybrid
New York, NY - Hybrid
San Francisco, CA - Hybrid
Denver, CO - Hybrid - Experience
- 5+ years; fraud investigations, fraud detection, or similarly complex investigative work.
About the job
Conduct complex end-to-end fraud investigations, assess risk, document findings, support customer remediation and fund recovery, and help strengthen fraud controls and investigative workflows.
What you'll do
- Analyze account activity, transaction and authentication data, customer communications, and external intelligence to identify fraud and build investigative narratives.
- Prepare Unusual Activity Referrals (UARs), recommend risk-based remediation, support customers and fund recovery, and coordinate with banking partners.
- Collaborate across teams to address emerging threats and control gaps, improve investigative tooling, and mentor junior analysts.
What they ask for
- 5+ years of fraud investigations, fraud detection, or similarly complex investigative work within a financial institution, FinTech, payment processor, or regulated environment.
- Strong investigative writing and analytical skills, including documenting complex fact patterns and assessing risk in ambiguous scenarios.
- Experience with account takeover, business email compromise, identity theft, payment fraud, and social engineering.
- Experience using AI-enabled tools in investigative workflows, evaluating their outputs, and mentoring or providing structured feedback to junior investigators.
Nice to have
- Certified Fraud Examiner (CFE), CAMS, or other relevant financial crime certifications.
Pay
USD 89,165/yr - 112,942/yr base salary in Denver; USD 110,640/yr -136,456/yr base salary in New York and San Francisco
Tools
AI-enabled tools
AI focus
Use AI-enabled tools for alert triage, issue spotting, research, evidence gathering, documentation, and investigative workflow improvements; critically validate outputs for accuracy and compliance.
Model-written summary · the original posting is authoritative