Software Engineer – Financial Data, Payments

Gusto

. Design, build, and test financial data systems recording every dollar Gusto moves .

Posted 11/9/2026full-timeUnited StatesSeniorLead💰 $183,000 - $245,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in designing and building robust financial data systems, including ledger and subledger systems, with a strong focus on accuracy, auditability, and compliance. Proficient in collaborating across teams and mentoring engineers while leveraging programming languages such as Ruby, TypeScript, and React.

Highest-signal resume keywords

Financial Data Systems DesignLedger And Subledger SystemsFault-Tolerant Software DevelopmentDouble-Entry Accounting ConceptsPayments Infrastructure Experience

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

RubyRuby On RailsTypeScriptReactDistributed Systems DevelopmentFinancial ReconciliationAuditabilityImmutabilityPayment RailsBank Account Verification

Soft Skills

Communication Of Technical ComplexityMentoring EngineersProblem-SolvingCollaborationClarity And Simplicity In Complex Problems

Tools & Technologies

AI ToolsInstrumentationRunbooks

Industry Keywords

Accounting SystemsPayments InfrastructureComplianceFinancial ReportingTransaction Models

Tech Stack

Tools & technologies

Distributed SystemsReactRubyRuby on RailsTypeScript

About the role

Key responsibilities & impact

Design, build, and test financial data systems recording every dollar Gusto moves
Build ledger and subledger systems of record, transaction models, and financial reporting relied on by Accounting, Finance, Compliance, and partners
Build reconciliation systems proving internal records agree with bank, processor, and partner statements
Lead variance investigations using tooling, instrumentation, and runbooks to identify root causes and eliminate recurring breaks
Own the payment profile for employer payroll funding and employee and contractor payments
Develop payment methods, bank account connections, verification states, and rules determining whether payments can proceed
Improve self-service setup and verification, including instant bank verification and recovery from broken or revoked connections
Help scale Gusto's Ruby/Rails and TypeScript/React applications
Collaborate with Engineering, Product Management, Design, Data Science, Accounting, Finance, Compliance, Operations, and other cross-functional teams
Mentor and grow fellow engineers

Requirements

What you’ll need

At least 10+ years of experience
Experience building fault-tolerant, mission-critical software
Experience designing and developing robust, distributed systems using multiple general-purpose programming languages
Experience influencing and guiding multiple teams on scaling, refactoring, and optimizing legacy products
Experience architecting, building, and testing large-scale production-level code that is maintainable, structured, and well-documented
Aptitude and interest in bringing clarity and simplicity to complex and ambiguous problems
Ability to communicate technical complexity and facilitate informed tradeoffs
Comfort with double-entry accounting concepts, including journal entries, chart of accounts, debits and credits, and tying a subledger to the general ledger
Ability to work with accountants and controllers in their own vocabulary
Experience building systems where correctness, auditability, and immutability matter more than raw throughput
Experience with one or more of ledger or subledger design, financial reconciliation, accounting systems, or payments infrastructure is strongly preferred
Bonus: Experience with bank account verification, payment rails (ACH, wire, RTP), or third-party banking data and verification providers
Bonus: Experience with Ruby on Rails, TypeScript, and React
Ability to actively engage with AI tools relevant to the role and grow AI fluency
Reliable, predictable attendance and responsiveness
Secure, reliable, and consistent internet connection when approved to work outside a Gusto office

Benefits

Comp & perks

Competitive base pay
Health insurance
401(k)
HR support and benefits through Gusto's total rewards program
Equity (RSUs)
Hybrid or remote work arrangements depending on location
Secure, reliable, and consistent internet connection support when working outside a Gusto office
Equal opportunity employment
Reasonable accommodations for qualified individuals with disabilities and disabled veterans