APEX Risk Operations Analyst

Gusto

. Supervise and validate AI outputs for fraud and ACH risk cases originating from partner and API activity .

Posted 9/29/2026full-timeDenver • Colorado • United StatesJuniorMid-Level💰 $79,565 - $95,478 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in fraud detection and investigation, utilizing AI tools to optimize workflows and enhance operational efficiency. Strong analytical skills are essential for identifying patterns in partner and API activity while effectively communicating findings to stakeholders.

Highest-signal resume keywords

Fraud DetectionAI Tools UtilizationData AnalysisOperational ManagementClear Communication

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Fraud DetectionData AnalysisSQLAPI ExperienceOperational WorkPattern RecognitionRisk MitigationInvestigation TechniquesAutomation ExperimentationModel Improvement

Soft Skills

Attention to DetailTime ManagementStructured ThinkingEffective CommunicationProcess Orientation

Tools & Technologies

ClaudeGeminiAI ToolsEmbedded ProductsDeveloper-Facing Platforms

Certifications & Qualifications

CFE

Industry Keywords

Fraud TypologiesACH RiskTransaction PatternsRisk IndicatorsPayroll IndustryPayments Industry

Tech Stack

Tools & technologies

SQL

About the role

Key responsibilities & impact

Supervise and validate AI outputs for fraud and ACH risk cases originating from partner and API activity
Document anomalies and opportunities for model improvement
Use AI tools such as Claude and Gemini to improve workflows
Own and optimize operational task queues
Investigate flagged activity and validate high-impact findings
Take action to mitigate risk while minimizing friction for legitimate partners and end customers
Investigate complex, high-value, white-glove, and edge cases that AI cannot confidently resolve
Turn investigation findings into reusable AI training examples
Identify trends and patterns in partner and API traffic
Experiment with automation and workflow simplification using AI tools
Collaborate with risk, product, engineering teams, external partners, and developers
Monitor AI performance and provide feedback on edge cases
Support escalations as a subject matter expert in partner and embedded payroll risk

Requirements

What you’ll need

2+ years of experience in operational work, fraud detection, and/or investigation
Experience spotting unusual patterns across partner and API activity
Data-driven structured thinking and sharp attention to detail
Excellent time management and ability to handle multiple projects/tasks simultaneously
Process- and policy-oriented approach
Clear and effective communication with partners and internal teams
Comfort experimenting with AI tools, providing structured feedback, and learning to guide AI decision-making
Familiarity with fraud typologies, ACH risk, transaction patterns, and risk indicators is a bonus
Experience with APIs, embedded products, or developer-facing platforms is a bonus
Professional certification such as CFE or equivalent is a bonus
Payroll or payments industry experience is a bonus
SQL/data analysis knowledge is a bonus
Experience prompting or working with generative AI is a bonus

Benefits

Comp & perks

Competitive base pay
Health insurance
401(k)
Equity (RSUs)
Hybrid work arrangement
AI tools and AI fluency development
Equal opportunity employment
Reasonable accommodations for qualified individuals with disabilities and disabled veterans