Software Engineer, Payments

About Gusto

At Gusto, we're on a mission to grow the small business economy. We handle the hard stuff — payroll, health insurance, 401(k)s, and HR — so owners can focus on their craft and their customers. With teams in Denver, San Francisco, and New York, we support more than 500,000 small businesses nationwide and are building a workplace that reflects the people we serve.

All full-time employees receive competitive base pay, benefits, and equity (RSUs) — because everyone who helps build Gusto should share in its success. Offer amounts are determined by role, level, and location. Learn more about our Total Rewards philosophy.

AI is a fundamental part of how work gets done at Gusto. We expect all team members to actively engage with AI tools relevant to their role and grow their fluency as the technology evolves. AI experience requirements vary by role and will be assessed during the interview process.

About the Role:

We’re hiring seasoned engineers to join our teams that work on core platform capabilities, improving our existing systems for extensibility and scalability, and building the future of Gusto's Payments platform. As a Gusto Software Engineer at this level, you’ll be guiding projects end-to-end by driving large technical architectural decisions (focusing on scale and modularity), understanding how to take existing systems closer to desired end states, executing on projects, and maintaining code that powers core experiences. If you’re interested in building elegant software with far-reaching effects in our modern economy, join us!

About the Team:

Payments is responsible for all of the money management and movement operations that are used by our customers across a suite of businesses that all depend on money being moved safely between partners, employers, employees, government authorities and Gusto. In order to enable growth for Gusto and our customers, the Payments organization is responsible for defining best-in-class user experiences in order to enable delightful user experiences that benefit small businesses and their employees alike! The Payments team will be completely re-architecting the payments platform at Gusto to be able to move money fast and at scale.

Here’s what you’ll do day-to-day:

• Design, build, and test the infrastructure that enables our Payments teams and Risk policy and experience teams to efficiently build unique, custom tailored experiences for any existing or emerging products Gusto offers its customers

• Help scale one of the largest Ruby/Rails and TypeScript/React applications in the world

• Collaborate on complex and ambiguous problems with partnerships from Engineering, Product Management, Design, Data Science, Operations, and other cross-functional teams

• Build the software platform that powers multiple 1st and 3rd party products and serves millions of businesses.

• Mentor and grow fellow engineers working to create holistic and scalable solutions

Here’s what we're looking for:

• Successful applicants have at least 7+ years of experience and the enthusiasm for a collaborative, test-driven environment

• Experience building fault-tolerant, mission-critical software as well as designing and developing robust, distributed systems using multiple general-purpose programming languages

• Experience influencing and guiding the work of multiple teams on scaling, refactoring, and optimizing legacy products

• Experience architecting, building, and testing large-scale production level code that is maintainable, structured, and well-documented

• An aptitude and interest in bringing clarity and simplicity to complex and ambiguous problems

• Ability to communicate technical complexity and help facilitate informed tradeoffs

• Experience in one of these domains is highly preferred: Payments and/or Accounting systems

• Bonus: Experience with Ruby on Rails, Typescript, and React

Our cash compensation amount for this role is targeted at $183,000-$200,000 /yr in Denver & most remote locations, and $222,000-$245,000 /yr for San Francisco, Seattle & New York. Final offer amounts are determined by multiple factors, including candidate experience and expertise, and may vary from the amounts listed above.

At Gusto, we don't use titles the traditional way, as a signal of rank or hierarchy. Instead, our titles describe two things at once — your craft (what you do, e.g. Engineering, Design) and your scope of ownership (what you're accountable for) — which is why you'll see something like "Head of X" instead of a rank word like "Director" that tells you neither. Because of this, the title on this posting may look different from what you'd expect based on the scope and seniority of the role, and from how similar roles are typically titled elsewhere. If you have questions about how this role compares to your current title or level, your recruiter can help translate.

Gusto has physical office spaces in Denver, San Francisco, and New York City. Employees who are based in those locations will be expected to work from the office on designated days approximately 2-3 days per week (or more depending on role). The same office expectations apply to all Symmetry roles, Gusto's subsidiary, whose physical office is in Scottsdale.

Note: The San Francisco office expectations encompass both the San Francisco and San Jose metro areas.

When approved to work from a location other than a Gusto office, a secure, reliable, and consistent internet connection is required. This includes non-office days for hybrid employees.

Reliable, consistent presence: We expect regular and predictable attendance, whether you're working in-office, hybrid, or fully remote, so that you stay closely connected to your team, customers, and stakeholders in real time and ensure colleagues and customers receive the timely support and responsiveness they deserve.

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. We want to see our candidates perform to the best of their ability. If you require a medical or religious accommodation at any time throughout your candidate journey, please fill out this form and a member of our team will get in touch with you.

Gusto takes security and protection of your personal information very seriously. Please review our Fraudulent Activity Disclaimer.

Personal information collected and processed as part of your Gusto application will be subject to Gusto's Applicant Privacy Notice.