Retirement Financial Infrastructure Staff Engineer

About the Role:

You’ll be a key engineer focused on building and owning the systems that move money and assets through Gusto Retirement. This is a very hands-on role: owning backend services and APIs end-to-end shipping production code and working through real financial edge cases. You’ll partner closely with product compliance and operations to turn complex financial requirements into reliable software. If you like working on core systems where correctness matters and enjoy getting things shipped you’ll be a great fit.

About the Team:

The Financial Infrastructure team owns the core money and asset flow systems for Gusto Retirement. We’re a senior team that works on payments settlements tax and compliance integrations and much more. The work is complex and often cross-functional so we stay focused collaborate closely and keep tight ownership of what we build. We work closely with product and partner teams but we’re responsible for execution and reliability end-to-end.

Here’s what you’ll do day-to-day:

• Design build and ship services and APIs for money movement and financial integrations
• Work on payments settlements reconciliation and corrections involving real customer funds
• Build and support critical workflows like payroll integration KYB/KYC 401k loans billing and invoicing and IRA
• Partner with product compliance and operations to scope work and deliver production-ready solutions
• Debug production issues and improve reliability observability and operational tooling
• Collaborate with other engineering teams to integrate with shared systems and platforms
• Mentor other engineers to help solve some of the hardest technical problems out there in very complex domains and at a large scale
• Write clear reliable well-tested code that ships quickly and scales well
• Build a product that our customers genuinely love

Here’s what we're looking for:

• 8+ years of software engineering experience building and shipping production products or platforms
• Strong experience with services APIs and data-heavy workflows.
• Experience working on financial systems payments or other high-correctness domains (or the ability to ramp quickly).
• Comfortable owning systems end-to-end including production support and operational work.
• Experience working closely with PMs and cross-functional partners to deliver scoped work.
• Pragmatic execution-focused approach to engineering.
• Clear communicator and collaborative teammate.
• Ability to mentor engineers to maximize their performance and impact
• Experience with Ruby on Rails (or a comparable backend framework).

Preferred:

• Experience leveraging AI tools or systems to accelerate development improve testing and deliver new product capabilities.
• Curiosity and experimentation with emerging AI frameworks applying and sharing best practices to evaluate and scale AI use safely across teams.

Our cash compensation amount for this role is targeted at $163000/yr to $204000/yr in Denver & most remote locations and $197000/yr to $247000/yr for San Francisco Seattle & New York. Stock equity is additional. Final offer amounts are determined by multiple factors including candidate experience and expertise and may vary from the amounts listed above.

Our customers come from all walks of life and so do we. We hire great people from a wide variety of backgrounds not just because it's the right thing to do but because it makes our company stronger. If you share our values and our enthusiasm for small businesses you will find a home at Gusto.

Gusto is proud to be an equal opportunity employer. We do not discriminate in hiring or any employment decision based on race color religion national origin age sex (including pregnancy childbirth or related medical conditions) marital status ancestry physical or mental disability genetic information veteran status gender identity or expression sexual orientation or other applicable legally protected characteristic. Gusto considers qualified applicants with criminal histories consistent with applicable federal state and local law. Gusto is also committed to providing reasonable accommodations for qualified individuals with disabilities and disabled veterans in our job application procedures. If you need assistance or an accommodation due to a disability you may contact us at [email protected].

What We Do

Gusto is a modern online small business platform that helps small businesses take care of their teams. On top of full-service payroll Gusto offers health insurance 401(k)s expert HR and team management tools. Today Gusto offices in Denver San Francisco and New York serve more than 400000 businesses. Our customers come from all walks of life and so do we. We hire great people from a wide variety of backgrounds not just because it's the right thing to do but because it makes our company stronger. If you share our values and our enthusiasm for small businesses you will find a home at Gusto.

Why Work With Us

We help small businesses—the backbone of the economy—thrive. Everything we do ladders up to empowering entrepreneurs and supporting their teams. Gusto empowers builders at every level to take initiative and make things better. You'll be solving meaningful challenges that shape the future of work.

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