Consumer Money Team Lead

Gusto, Inc.; Denver (CO); Hybrid; USD 92,245 - 119,919; Full time

Job summary

Gusto, Inc. is seeking a Consumer Money Team Lead to coach a Tier 2 Money Advanced Care team that handles complex banking, disputes, and money movement escalations.

You will guide 10–12 ICs, focusing on accurate, timely, and customer-centered outcomes and driving continuous improvement across cross-functional partners. The role requires deep banking operations experience, excellent people leadership, and a passion for AI-enabled service excellence within a regulated financial services

Qualifications

• 5+ years of experience in payroll operations, banking operations, financial services operations, customer support, or related regulated environments.
• Deep expertise in payroll operations, banking, and financial services, including tax filings, payroll corrections, off-cycle runs, ACH and wire activity, disputes, funds recovery, and regulatory compliance.
• Strong experience resolving high-stakes customer and partner issues with sound judgment, urgency, and care in regulated financial environments.
• Proven success coaching and developing people, building thoughtful growth plans, and creating high-performing teams.
• Strong continuous improvement mindset, with a track record of using data, AI, automation, and better workflows to improve quality, efficiency, and customer outcomes.
• Passion for building a customer-forward care organization known for creative problem solving, operational excellence, and exceptional service.
• Uses AI thoughtfully to support repetitive work such as drafting responses, summarizing case histories, and organizing notes.
• Reviews AI outputs critically for accuracy, tone, bias, and customer empathy before using them.
• Applies AI in ways that improve speed, consistency, and quality while following privacy and compliance guardrails.
• Continues building fluency over time as tools and workflows evolve at Gusto.

Responsibilities

• Lead a Tier 2 Money Advanced Care team of 10–12, delivering high-quality support across Money Services, including banking, disputes, money movement escalations, and other advanced care work.
• Oversee complex case resolution across disputes, cash account applications, banking error investigations, funds recovery, and financial institution escalations, with a focus on timely, accurate, and customer-centered outcomes.
• Serve as a subject matter expert in banking and money movement operations, coaching team members to navigate nuanced cases with precision, empathy, and sound judgment.
• Drive operational excellence by leading initiatives, aligning resources to business goals, and using data to improve workflows, tools, and team performance.
• Build a culture of continuous development and continuous improvement through coaching, feedback, process design, and scalable solutions that reduce customer friction and repeat contacts.
• Partner cross-functionally to advance high-impact improvements, translate company priorities and OKRs into team execution, and support broader business goals.
• Champion adoption of AI, automation, and strong incident management practices, helping the team evolve how work gets done while elevating issues affecting Gusties and customers.
• Show strong leadership through planning, decision-making, and execution, consistently operating with next-level impact in alignment with role and craft expectations.

Skills

Leadership

Coaching

AI in operations

Banking operations

Money movement

Tools

AI tooling

Job description

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:

Gusto is seeking a Consumer Money Team Lead to lead our Tier 2 team. This team plays a critical role in empowering ICs to navigate complex customer interactions with confidence, clarity, and strong ownership from intake through resolution. The ideal leader for this role brings deep expertise in banking, disputes, and money movement, along with a strong commitment to continuous improvement and AI-driven innovation. They are also an exceptional coach and people leader who is deeply invested in developing each team member and strengthening the team’s overall impact.

About the Team:

This Tier 2 Money Advanced Care team sits within Gusto’s Money Services Care organization and owns our most complex banking, disputes, and money movement escalations. The team of 10–12 ICs handles everything from cash account applications and banking error investigations to funds recovery and financial institution escalations, always with a focus on timely, accurate, and customer-centered outcomes. They partner closely with cross-functional teams to translate company priorities into daily execution, while building a culture of coaching, continuous improvement, and AI-driven innovation that reduces customer friction and repeat contacts.

Here’s what you’ll do day-to-day:

• Lead a Tier 2 Money Advanced Care team of 10–12, delivering high-quality support across Money Services, including banking, disputes, money movement escalations, and other advanced care work.
• Oversee complex case resolution across disputes, cash account applications, banking error investigations, funds recovery, and financial institution escalations, with a focus on timely, accurate, and customer-centered outcomes.
• Serve as a subject matter expert in banking and money movement operations, coaching team members to navigate nuanced cases with precision, empathy, and sound judgment.
• Drive operational excellence by leading initiatives, aligning resources to business goals, and using data to improve workflows, tools, and team performance.
• Build a culture of continuous development and continuous improvement through coaching, feedback, process design, and scalable solutions that reduce customer friction and repeat contacts.
• Partner cross-functionally to advance high-impact improvements, translate company priorities and OKRs into team execution, and support broader business goals.
• Champion adoption of AI, automation, and strong incident management practices, helping the team evolve how work gets done while elevating issues affecting Gusties and customers.
• Show strong leadership through planning, decision-making, and execution, consistently operating with next-level impact in alignment with role and craft expectations.

Here’s what we're looking for:

• 5+ years of experience in payroll operations, banking operations, financial services operations, customer support, or related regulated environments, including experience owning escalated or complex customer and partner issues.
• Deep expertise in payroll operations, banking, and financial services, including tax filings, payroll corrections, off-cycle runs, ACH and wire activity, disputes, funds recovery, and regulatory compliance.
• Strong experience resolving high-stakes customer and partner issues with sound judgment, urgency, and care in regulated financial environments.
• Proven success coaching and developing people, building thoughtful growth plans, and creating high-performing teams.
• Strong continuous improvement mindset, with a track record of using data, AI, automation, and better workflows to improve quality, efficiency, and customer outcomes.
• Passion for building a customer-forward care organization known for creative problem solving, operational excellence, and exceptional service.
• Uses AI thoughtfully to support repetitive work such as drafting responses, summarizing case histories, and organizing notes.
• Reviews AI outputs critically for accuracy, tone, bias, and customer empathy before using them.
• Applies AI in ways that improve speed, consistency, and quality while following privacy and compliance guardrails.
• Continues building fluency over time as tools and workflows evolve at Gusto.

Compensation

Our cash compensation amount for this role is $92,245 to $119,919 in Denver, CO & $86,530 to $112,489 in Phoenix, AZ. Final offer amounts are determined by multiple factors including candidate location, experience and expertise and may vary from the amounts listed above.

Location & Working Arrangements

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.

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's makes our company stronger. If you share our values and our enthusiasm for small businesses, you will find a home at Gusto.

Equal Opportunity

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.