Gusto
Payment Operations Analyst
$78K–$121K
San Francisco, CA - Hybrid +2 · Remote · Full-time · Posted Sep 18, 2026
- Location
- San Francisco, CA - Hybrid
Seattle, WA - Remote
New York, NY - Hybrid - Experience
- 3+ years in payment operations, banking operations, treasury operations, or a related role at a fintech or financial institution.
About the job
Own and improve end-to-end payment workflows, resolve exceptions and outages, and partner across teams and with financial institutions to keep payments reliable.
What you'll do
- Manage payment processing, exceptions, refunds, collection re-debits, and reconciliation; investigate issues through resolution and address root causes.
- Partner with Product and Engineering on requirements, product specifications, operational improvements, and launches.
- Analyze customer feedback and payment issues, coordinate with bank and payment partners, and use AI to support analysis, communication, and automation.
What they ask for
- 3+ years of experience in payment operations, banking operations, treasury operations, or a related role at a fintech or financial institution.
- Working knowledge of domestic payment rails and/or international money movement.
- Experience with bank portals, payment processors, or reconciliation tools.
- Ability to analyze and structure data and communicate clearly with operational and technical counterparts.
Nice to have
- Experience across both domestic and international payment movement.
- Knowledge of Nacha operating rules, unclaimed property, or money transmission compliance.
Pay
$78,000-$97,000 USD/year base salary in Denver & most remote locations; $97,000-$121,000 USD/year base salary for San Francisco, Seattle & New York.
Tools
ACH/Nacha, wires, RTP, SQL
AI focus
Use AI for analysis, drafting communications, synthesizing data, and automating repetitive work; actively develop AI fluency.
Model-written summary · the original posting is authoritative