Senior Backend Engineer — Retirement Money Platform & APIs

Gusto; California; Hybrid; USD 163,000 - 247,000; Full time

Benefits offered by this job

Equity (RSUs)

Benefits

Total Rewards

Job summary

Gusto is seeking a senior software engineer to own the systems that move money and assets through Gusto Retirement. This hands-on role involves backend services, APIs, and shipping production code while collaborating with product, compliance, and operations to meet complex financial requirements.

You will work on core money flow systems within a senior team focused on payments, settlements, tax and compliance integrations, and more, delivering reliable, scalable solutions for high-stakes

Qualifications

• 8+ years of software engineering experience building and shipping production products or platforms.
• Strong experience with services, APIs, and data-heavy workflows.
• Experience working on financial systems, payments, or other high-correctness domains.
• Comfortable owning systems end-to-end, including production support and operational work.
• Experience working closely with PMs and cross-functional partners to deliver scoped work.
• Pragmatic, execution-focused approach to engineering.
• Clear communicator and collaborative teammate.
• Ability to mentor engineers to maximize their performance and impact.
• Experience with Ruby on Rails (or a comparable backend framework).

Responsibilities

• Design, build, and ship services and APIs for money movement and financial integrations
• Work on payments, settlements, reconciliation, and corrections involving real customer funds
• Build and support critical workflows like payroll integration, KYB/KYC, 401k loans, billing and invoicing, and IRA
• Partner with product, compliance, and operations to scope work and deliver production-ready solutions
• Debug production issues and improve reliability, observability, and operational tooling
• Collaborate with other engineering teams to integrate with shared systems and platforms
• Mentor other engineers to help solve some of the hardest technical problems out there in very complex domains and at a large scale
• Write clear, reliable, well-tested code that ships quickly and scales well
• Build a product that our customers genuinely love

Skills

Software engineering

APIs

Ruby on Rails

Payments domain

End-to-end ownership

Mentoring engineers

Collaboration with PMs

Job description

Gusto is seeking a senior software engineer to own the systems that move money and assets through Gusto Retirement. This hands-on role involves backend services, APIs, and shipping production code while collaborating with product, compliance, and operations to meet complex financial requirements.

You will work on core money flow systems within a senior team focused on payments, settlements, tax and compliance integrations, and more, delivering reliable, scalable solutions for high-stakes