Compliance Officer, Finance & Banking

• Serve as a strategic compliance partner to Product, Engineering, and business stakeholders on financial services regulations across lending, embedded finance, deposit products, payments, and money movement
• Mature and expand Gusto's Compliance Management Program for emerging financial services and payments offerings
• Own regulatory change management with Government & Regulatory Affairs
• Translate complex regulations into actionable guidance, controls, procedures, training, and documentation
• Oversee product compliance controls, monitoring, control testing, risk assessments, and issue management
• Support vendor onboarding, third-party risk assessments, due diligence, and ongoing oversight
• Liaise with banking and strategic partners on audits, compliance reporting, examinations, regulatory inquiries, and remediation
• Design and apply AI-enabled workflows for compliance monitoring, control testing, documentation, and issue management with human oversight
• Report to the Head of Financial Services Compliance
• Partner cross-functionally with Product, Engineering, Legal, Compliance, Marketing, Operations, and business leaders

• 10+ years of relevant compliance experience in an in-house legal, compliance, risk, or regulatory function at a regulated financial institution, fintech, payments company, or financial services business
• Deep expertise in financial services and payments compliance, including TILA, TISA, ECOA, FCRA, FDCPA, Reg E, UDAAP, NACHA rules, TCPA, CAN-SPAM, and related state laws
• Experience with embedded finance, banking-as-a-service, sponsor bank partnerships, payments, ACH, card programs, lending, or deposit account products
• Experience building, scaling, or enhancing compliance programs, including AI-enabled scalability and proactive risk management
• Experience advising Product, Engineering, Marketing, Legal, and Operations teams on product launches, partnerships, and customer-facing or marketing materials
• Experience working with banking partners, payment processors, auditors, or regulators, including audits, examinations, partner bank reviews, and remediation
• Strong judgment and issue-spotting skills; ability to distill complex regulations into clear guidance and make practical risk-based decisions
• Demonstrated experience using AI tools such as ChatGPT, Claude, Gemini, Glean, Notion AI, or similar, with human review, testing, and quality controls
• Ability to work from designated Gusto office days when based in applicable office locations

Expertise in financial services compliance, including regulatory change management and compliance program development, with a focus on AI-enabled solutions and risk management. Strong ability to translate complex regulations into actionable guidance and collaborate cross-functionally with various stakeholders.

• 10+ Years Compliance Experience
• Financial Services Compliance Expertise
• Regulatory Change Management
• AI Tools Proficiency
• Embedded Finance Experience

• Compliance Management
• Risk Assessment
• Regulatory Guidance
• Control Testing
• Vendor Onboarding
• Issue Management
• Financial Regulations
• Compliance Reporting
• Proactive Risk Management
• Audit Coordination

• Strong Judgment
• Issue-Spotting Skills
• Clear Communication

• TILA
• TISA
• ECOA
• FCRA
• FDCPA
• Reg E
• UDAAP
• NACHA Rules
• TCPA
• CAN-SPAM

• AI Tools
• ChatGPT
• Claude
• Gemini
• Glean
• Notion AI