engineering
Posted Jun 25Senior Staff Software Engineer, Money Group
at Gusto
Denver, United StatesHybrid
Responsibilities
- Lead service migration from a large Ruby-on-Rails monolith into a service-oriented architecture, defining clean domain boundaries across money movement, lending, and tax.
- Manage a complex partner ecosystem, including leading technical due diligence in vendor evaluation.
- Build prototypes and proof-of-concepts to de-risk new ideas and unblock product decisions quickly.
- Drive AI-native architecture decisions – from LLM-powered transaction categorization and tax optimization to conversational financial management experiences.
- Mentor fellow engineers, contribute to the growth of senior and staff engineers, and help build healthy, high-performing teams. Here's what we're looking for:
- A track record of raising the technical bar – through code quality, design rigor, testing and security best practices, and the standards you set for those around you.
Requirements
- 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
- experience building financial infrastructure in a regulated environment — account/balance management, money movement, card systems, lending, etc.
- Demonstrated ability to own team-level OKRs and contribute to the group's technical strategy.
- Comfort with AI-assisted development tools and a habit of staying current with emerging approaches to building software.
- Thrives in a fast-moving environment where priorities shift, new product areas and teams are being stood up, and the ability to move from prototype to production quickly is valued.
Experience
- 10+ years of software engineering
Benefits
- We handle the hard stuff — payroll, health insurance, 401(k)s, and HR — so owners can focus on their craft and their customers.
- All full-time employees receive competitive base pay, benefits, and equity (RSUs) — because everyone who helps build Gusto should share in its success.
- You'll leverage deep domain expertise to help shape the technical vision for systems that power consumer and business financial health including financial accounts, money movement, lending, expense controls, etc. – ensuring the architecture scales as we grow.
- For small businesses, we're extending the category of employer-facing financial services – bill pay, invoicing, working capital, expense cards, and cash flow insights that help SMBs get paid faster and pay others with confidence.
- For employees, we build tools that reduce financial stress: on-demand pay, high-yield cash accounts, automated savings, and credit-building features.
- Our teams build the products that give workers more control over their money – on-demand pay, high-yield cash accounts, automated savings, and credit-building features – all anchored to the paycheck relationship Gusto already powers.
- Tax Credits: Tax Credits builds automated tax credit products – starting with R&D credits – directly integrated into Business Money's financial engine.
- By embedding credit eligibility and filing into the same data model that powers accounting and cash-flow insights, we turn annual tax savings into an automated, always-on lever for small businesses.
- Help define the technical vision for your domain areas within the Money Group, and own the shorter-term projects that move us toward it.
- Experience contributing to technical vision and driving multi-quarter architectural initiatives across one or more teams, and ensuring strong technical stewards drive execution.
- Our cash compensation for this role is targeted at $189,000–$236,000 per year in Denver and most remote locations, and $223,000–$278,000 per year in San Francisco, Seattle, and New York.
- Stock equity is offered in addition.
Additional details
- At Gusto, we're on a mission to grow the small business economy.
- 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.
- Offer amounts are determined by role, level, and location.
- Learn more about our Total Rewards philosophy .
- requirements vary by role and will be assessed during the interview process. About the Role
- We're hiring a Senior Staff Engineer to serve as a Technical Lead across multiple pods in the Money Group – Gusto's fastest-growing organization and a cornerstone of the company's transformation into the Small Business Finance Platform.
- This role spans strategy and execution: guiding architectural direction across a group of 15-20 engineers, vetting external partners, prototyping new product lines to unblock product decisions, extracting services from our monolith, and mentoring the engineers around you.
- You'll be the person who fills whatever role the group needs to hit its goals – from hands-on coding to strategic planning to unblocking other teams.
- If you're excited about building financial infrastructure with real impact on the people and businesses that power the modern economy, we'd love for you to join us. About the Team
- Money is Gusto's fastest-growing group, building financial products for both sides of the employment relationship.