Senior Product Designer, Finance Denver, CO;San Francisco, CA;, NY

About Gusto

At Gusto, we are 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  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.

Design at Gusto is made up of over 80 creative, collaborative people who care deeply about our mission to empower small businesses and their employees. We are a cross‑functional group that is always looking for opportunities to build understanding and empathy for the people who use Gusto. We work closely with cross‑functional partners in Product, Engineering, Data, and Marketing to design, build, and ship experiences that make a real difference.

Great design can make hard things possible, even delightful.

We are building an AI‑native design organization—this is how we work now, not a future aspiration. We look for designers who already use AI to prototype ideas quickly, shorten customer feedback loops, and ship quality UX directly to customers. This changes what the design role looks like at Gusto and across the industry.

Gusto is building the financial platform that small businesses will rely on for the next decade, and AI is at the center of that. From how businesses move money to how Gusto manages risk and verifies identity, AI is changing what’s possible across every part of the experience. The design challenge is defining what it looks like to build those products right, making them faster, smarter, and genuinely trustworthy for the hundreds of thousands of businesses and employees who depend on them.

The Money team builds the financial products that help small businesses and their employees move, manage, and access money—from the tools owners use to run their business finances to the financial benefits available to their teams. As Gusto deepens its financial ecosystem, this team sits at the center of making money movement faster, simpler, and more empowering for hundreds of thousands of small businesses and the people who work for them.

The Risk team is the trust layer that makes all of it possible. They build systems that protect customers and Gusto from fraud and financial exposure, and the identity infrastructure that determines how customers verify who they are and access Gusto’s financial products. It’s foundational work: quiet when it’s working, critical when it’s not.

Together, these two teams own one of the broadest and most consequential design scopes at Gusto.

• Set the UX vision and strategy across the Money and Risk teams, connecting the dots across multiple pods and ensuring a cohesive experience throughout the platform.
• Identify and drive high‑impact design opportunities across the Money and Risk teams, spotting what individual pods can’t see from inside their area and bringing the right partners along.
• Influence product strategy, roadmap priorities, and team OKRs through a design lens—operating as a senior design co‑owner alongside product directors and engineering leaders.
• Define what AI‑first financial UX looks like at Gusto, including how to represent uncertainty clearly, surface errors gracefully, preserve user agency when AI recommendations are wrong, and build trust across consequential automated decisions.
• Own how the Money and Risk teams build and share customer understanding: setting learning priorities, synthesizing insights across pods, and ensuring customer knowledge consistently informs direction.
• Shape and raise the…