We’re looking for an experienced financial services compliance professional to lead product compliance support for our consumer financial products, commercial financial services, and payments offerings. In this high-impact, cross-functional role, you’ll serve as a strategic partner and trusted advisor across a wide range of product initiatives requiring compliance expertise and ongoing support. You’ll play a key role in designing and operationalizing scalable compliance solutions that strengthen Gusto’s financial services compliance program while enabling innovation and growth. This role reports to the Head of Financial Services Compliance and will collaborate closely with business leaders, product teams, legal, and compliance stakeholders to enable an effective, scalable compliance framework.

About the Role

Gusto’s Legal & Compliance team partners with product and engineering teams to enable innovation, facilitate responsible company growth, accelerate the Gusto roadmap, and provide compliant products to our customers, through solution-focused counsel on legal and business risks. We are passionate about using groundbreaking technology and excellent service to elevate the experience of small business owners and their employees. Each team member is a true owner and makes a tremendous impact every day.

About the Team

Gusto’s Legal & Compliance team partners with product and engineering teams to enable innovation, facilitate responsible company growth, accelerate the Gusto roadmap, and provide compliant products to our customers, through solution-focused counsel on legal and business risks. We are passionate about using groundbreaking technology and excellent service to elevate the experience of small business owners and their employees. Each team member is a true owner and makes a tremendous impact every day.

Here’s what we’d love to see you bring to the table:

The ideal candidate thrives in a cross-functional, fast-paced environment and is passionate about the intersection of financial services and technology and is excited to build compliant financial services products for our customers. This role requires strong collaboration and a demonstrated  ability to work well independently under pressure, while contributing to cross-functional teams. This role also requires a demonstrated ability to build consensus and build strong relationships in addition to having industry leading expertise in financial services regulations, particularly in consumer protection, lending, and payments. You will be an embedded compliance partner to key areas of Gusto's business  which will enable financial services offerings and payment solutions for our customers.

Here’s what you’ll do day-to-day:

Establish deep partnership with key business stakeholders to provide practical, business-oriented compliance guidance on complex regulations in lending, embedded finance, and payments Collaborate closely with Product, Engineering, Marketing, Legal, and Compliance teams on new product launches, strategic partnerships, and marketing collateral review to ensure robust compliance alignment and support business growth. Assist in the development, implementation, and ongoing enhancement of Gusto’s broader Compliance Management Program to ensure alignment with federal and state regulatory requirements. Partner with our Government & Regulatory Affairs team to own Financial Services & Payments change management processes to track, communicate, and implement new regulatory requirements affecting products, services, and business operations. Conduct product- and partner-specific program requirements including collaborating with banking partners to design and execute external audit schedules. Support vendor onboarding, risk assessments, and due diligence reviews. Serve as a liaison with Gusto’s Payments and Financial Services banking partners for program audits and compliance reporting. Oversee consumer protection and Payments compliance controls related to Deposit Account Banking compliance, Lending Compliance, and a wide range of federal and state requirements (e.g. TILA, TCPA, CAN-SPAM, UDAAP, NACHA, Reg E, TISA, etc.) Implement and oversee product compliance monitoring, training, risk assessments, and third-party audits for multiple financial services products. Work closely with engineering, product, and operations teams to enhance compliance controls, policies, and documentation in response to evolving regulations. Support compliance examinations, regulatory inquiries, and responses to findings. Assist in identifying, escalating, and resolving compliance issues related to financial services products.

Here’s what we're looking for:

10+ years of relevant compliance experience in an in-house legal, compliance, or risk function at a regulated financial institution or Financial Services company.  Proven experience in building and scaling compliance programs and driving compliance strategy Proven ability working as an embedded expert supporting Product, Engineering, Marketing, Legal, and Compliance teams on new product launches, strategic partnerships, and marketing collateral review processes. Strong expertise in financial services and payments compliance, including familiarity with consumer protection regulations TILA, TISA, FDCPA, FCRA, ECOA, Reg E, UDAAP, and NACHA. Enthusiasm for how technology and AI can streamline and improve compliance processes. Experience integrating and reporting product compliance risks and controls into enterprise wide risk and compliance frameworks. Ability to issue spot, provide sound judgement calls, and to drive remediation for internal/external audit and examination findings. Passion for building products and services for small businesses and their employees A “Builder” mindset with a keen interest in leveraging AI forward technology and a history of successful third party interactions (e.g. strategic partners, regulators, etc). Strong problem-solving skills with a business-oriented approach to legal and regulatory risks. Ability to analyze and distill complex regulations into actionable guidance for business partners. A collaborative, adaptable mindset—no job is too big or too small.

This is a high-impact role with opportunities to shape Gusto’s financial services compliance strategy while partnering across the organization to deliver compliant, customer-centric products.

Our cash compensation amount for this role is between $148,085 - $182,638/year in Denver, and between $174,470 - $215,180/year for New York/San Francisco. Final offer amounts are determined by multiple factors including candidate location, experience and expertise and may vary from the amounts listed above.