Senior Payments Operations Analyst

Bazeta; San Francisco (CA); On-site; USD 97,000 - 121,000; Full time

Job summary

Gusto is seeking a Payment Operations Analyst to own end-to-end payment workflows, resolve exceptions, and improve system reliability. You will collaborate with Engineering, Product, Accounting, Risk, and CX to optimize ACH processing, refunds, and reconciliation while coordinating with bank and payment partners domestically and internationally.

The role emphasizes ownership, analytical rigor, and AI-driven productivity.

Qualifications

• 3+ years of experience in payment operations, banking operations, treasury operations, or a related role at a fintech or financial institution.

Responsibilities

• Own the operational layer of specific payment workflows – ACH processing, exception handling, refunds, collection re-debits, reconciliation.
• Collaborate with Product and Engineering to shape system behavior, surface pain points, and define requirements for launches.
• Close loops on customer pain by mining CX feedback to identify friction in payment flows and prioritizing issues for operational and product teams.
• Triage issues with bank and payment partners (domestic & international), escalate when needed, and maintain strong working relationships.
• Lead with AI to accelerate analysis, draft communications, synthesize data, and automate repetitive tasks.

Skills

Analytical thinking

SQL

Cross-functional work

Tools

Bank portals

Payment processors

Reconciliation tools

Job description

Gusto is seeking a Payment Operations Analyst to own end-to-end payment workflows, resolve exceptions, and improve system reliability. You will collaborate with Engineering, Product, Accounting, Risk, and CX to optimize ACH processing, refunds, and reconciliation while coordinating with bank and payment partners domestically and internationally.

The role emphasizes ownership, analytical rigor, and AI-driven productivity.