# Fraud Investigations Analyst

**Company:** [Gusto](https://hotfix.jobs/companies/gusto)
**Location:** Denver, CO, San Francisco, CA, New York, NY
**Role:** Other
**Salary:** $89k – $136k/yr
**Experience:** 5+ years
**Skills:** Fraud Investigations, Fraud Detection, Open Source Intelligence, AI Tools, Risk Assessment, Investigative Writing, Account Takeover, Business Email Compromise, Identity Theft, Payment Fraud, Social Engineering, Unusual Activity Referrals, Financial Crime Compliance
**Posted:** 2026-07-01

> Conduct end-to-end fraud investigations for account takeover, BEC, identity theft, and payment fraud at a fintech serving small businesses. Requires 5+ years investigative experience in financial services, strong analytical and writing skills, and comfort leveraging AI tools.

## Job Description

## Responsibilities
- Analyze account activity, transactional behavior, authentication data, customer communications, and external intelligence sources to surface fraud indicators and build well-supported investigative narratives.
- Synthesize investigative findings into clear case narratives and prepare Unusual Activity Referrals (UARs) for Financial Crime Compliance partners when appropriate; escalate high-risk events with sound, risk-based remediation recommendations.
- Support customers impacted by fraud and coordinate with external banking partners on fund recovery efforts, including Letters of Indemnity.
- Leverage AI-enabled tools to accelerate research, evidence gathering, and documentation, while critically validating AI-generated outputs for accuracy and compliance with Gusto's AI policies.
- Collaborate with Risk, Compliance, Product, Engineering, and Data Science to surface emerging threats, close control gaps, and improve investigative tooling and AI-assisted workflows.

## Requirements
- 5+ years of fraud investigations, fraud detection, or similarly complex investigative work within a financial institution, FinTech, payment processor, or regulated environment.
- Strong investigative writing and analytical skills with the ability to document complex fact patterns, develop defensible narratives, and assess risk across ambiguous scenarios.
- Experience across fraud typologies including account takeover, business email compromise, identity theft, payment fraud, and social engineering.
- Sound investigative judgment with the ability to manage multiple investigations simultaneously, make risk-based recommendations under pressure, and communicate findings with empathy and clarity to customers, external institutions, and cross-functional stakeholders.
- Experience using AI-enabled tools in day-to-day investigative workflows and the ability to critically evaluate AI-generated outputs for accuracy, completeness, and alignment with investigative standards.

## Nice-to-Haves
- Certified Fraud Examiner (CFE), CAMS, or other relevant financial crime certifications.

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