Treasury Manager

Gusto is on a mission to grow the small business economy, handling payroll, health insurance, 401(k)s, and HR for over 500,000 small businesses nationwide. With teams in Denver, San Francisco, and New York, Gusto is building a workplace that reflects the people it serves. All full-time employees receive competitive base pay, benefits, and equity (RSUs).

The Treasury Team at Gusto is responsible for cash/liquidity management and banking initiatives that support business partner imperatives towards operational effectiveness and performance towards Gusto’s payment operations, accounting, and risk/credit infrastructures.

As a Senior Treasury professional, you will help lead the Treasury team in managing financial resources and day-to-day functions to meet cash and financial obligations. You will liaise with internal teams including Payments, Risk, Product, and Accounting, as well as external banking partners, solution providers, and portfolio managers.

• Provide treasury industry knowledge and best practices to help the team stay ahead on the latest service offerings from partner banks.
• Build out enhanced liquidity forecasting tools to understand cash usage and future needs.
• Model liquidity usage and related returns to optimize liquidity, identify risks, and challenge black swan liquidity modeling results.
• Develop internal cost of funds programs associated with cash/liquidity usage.
• Explore/evaluate new product offerings from internal and external service providers from a Treasury perspective.
• Consult with internal business lines on existing/new products with a focus on liquidity and funding needs.
• Engage with external credit providers to understand borrowing structures to meet internal business needs.
• Partner with fixed income portfolio managers to explore opportunities to optimize returns.
• Experience with money movement/payment types including ACH, wire, real time payments, and stable coins; solutioning stable coin movements and managing related risks.
• Engage with banking partners to initiate banking transaction process improvements, understand bank analysis fees, and maintain bank account governance and controls.
• Conduct regular/quarterly banking partner reviews, bank account establishment/alignment, fraud mitigation, cash forecasting, and payment contingencies.
• Collaborate with cross-functional partners in Payments, Accounting, Risk/Credit, and Engineering to facilitate implementation of new products/services.
• Lead and facilitate treasury projects, solving both strategic and tactical challenges.

• 12+ years of relevant experience in a shared service Treasury environment with cross-functional teams, preferably in banking or financial services.
• Experience with Payment Operations, Risk/Credit, and banking partner activities.
• In-depth knowledge of money movement/payment types including ACH, wires, real time payments, and stable coins, with specific stable coin settlement knowledge and associated risks.
• Experience with credit facilities and lending solutions.
• In-depth knowledge and experience modeling/solutioning liquidity needs.
• Passionate about operational excellence and efficiency, with sharp attention to detail and ability to implement process improvements.
• Excellent analytical skills, including ability to use business intelligence tools and sort through complex data to articulate business trends.
• In-depth experience using AI to solve corporate treasury needs, improving workflows, and creating business efficiencies.
• Thought leadership: serve as Treasury's internal subject matter authority, shaping strategy and influencing Gusto's direction.
• Stakeholder persuasion and communication: distill complex treasury concepts to persuade and align senior and executive stakeholders.
• Accountability for function-wide results: own overall performance and outcomes of the Treasury function.
• Mentorship: mentor and develop junior Treasury team members.
• Excellent time-management, self-starter attitude, and ability to work independently and escalate as needed.

Cash compensation range: $140,000/yr to $170,000/yr in Denver; $163,000/yr to $202,000/yr in San Francisco and New York. Final offers determined by multiple factors. All full-time employees receive competitive base pay, benefits, and equity (RSUs).

Hybrid: Denver, CO; New York, NY; San Francisco, CA. Employees based in those locations are expected to work from the office on designated days approximately 2-3 days per week (or more depending on role). The San Francisco office expectations encompass both San Francisco and San Jose metro areas.

Apply through the Gusto Greenhouse job posting at the provided URL.