Staff Software Engineer, Financial Infrastructure

Gusto's mission is to grow the small business economy by handling payroll, health insurance, 401(k)s, and HR for over 500,000 small businesses nationwide. The company has teams in Denver, San Francisco, and New York. All full-time employees receive competitive base pay, benefits, and equity (RSUs).

As a Staff Software Engineer on the Financial Infrastructure team, you will build and own the systems that move money and assets through Gusto Retirement. This hands-on role involves owning backend services and APIs end-to-end, shipping production code, and working through real financial edge cases. You will partner with product, compliance, and operations to turn complex financial requirements into reliable software.

• 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 solve complex technical problems at scale
• Write clear, reliable, well-tested code that ships quickly and scales well

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

• Experience leveraging AI tools or systems to accelerate development and improve testing
• Curiosity with emerging AI frameworks and best practices

Cash compensation is targeted at $163,000–$204,000 in Denver & most remote locations, and $197,000–$247,000 for San Francisco & New York. Stock equity is additional. Final offers vary by experience and expertise.

Gusto has physical offices in Denver, San Francisco, and New York City. Employees based in those locations are expected to work from the office approximately 2-3 days per week. Travel to a Gusto office for onboarding is required.