# Financial Services Compliance Lead

**Company:** [Gusto](https://hotfix.jobs/companies/gusto)
**Location:** Denver, CO, San Francisco, CA, New York, NY
**Role:** Other
**Salary:** $148k – $215k/yr
**Experience:** 10+ years
**Skills:** Compliance Management, Regulatory Change Management, Consumer Protection Laws, Tila, Ecoa, Fcra, Udaap, Nacha Rules, Embedded Finance, Banking-As-A-Service, Ai Tools For Compliance, Risk Assessments, Third-Party Risk Management, Audit Support
**Posted:** 2026-07-02

> Lead compliance for Gusto's financial services products including lending, payments, deposits, and embedded finance. Partner with Product, Engineering, and business teams to build scalable AI-enabled compliance programs, manage regulatory change, and ensure adherence to consumer protection laws.

## Job Description

## Responsibilities
- Serve as a strategic compliance partner to Product, Engineering, and business stakeholders on financial services regulations across lending, embedded finance, deposit products, payments, and money movement, covering launches, partnerships, product changes, and marketing collateral.
- Mature and expand Gusto's Compliance Management Program to cover emerging financial services and payments offerings, using AI enabled tools to help the program scale as new products launch.
- Own regulatory change management in partnership with Government & Regulatory Affairs, leveraging AI to track and assess new requirements faster and surface emerging risk earlier.
- Translate complex regulations into clear, actionable guidance, controls, procedures, training, and documentation for cross-functional partners.
- Oversee product compliance controls and run monitoring, control testing, risk assessments, and issue management across deposit, lending, payments, marketing, and consumer protection requirements (TILA, TISA, ECOA, FCRA, FDCPA, TCPA, CAN-SPAM, UDAAP, Reg E, NACHA rules, and related federal/state requirements).
- Support vendor onboarding, third-party risk assessments, due diligence, and ongoing oversight for financial services and payments partners.
- Serve as key liaison with banking and strategic partners, supporting audits, compliance reporting, examinations, regulatory inquiries, and remediation activities.
- Partner across Product, Engineering, Legal, and Operations to design and apply AI enabled workflows for compliance monitoring, control testing, documentation, and issue management, balancing automation with appropriate human oversight.

## Requirements
- 10+ years of relevant compliance experience in an in-house legal, compliance, risk, or regulatory function at a regulated financial institution, fintech, payments company, or financial services business.
- Deep expertise in financial services and payments compliance, including consumer protection requirements such as TILA, TISA, ECOA, FCRA, FDCPA, Reg E, UDAAP, NACHA rules, TCPA, CAN-SPAM, and related state laws.
- Demonstrated experience with embedded finance, banking-as-a-service, sponsor bank partnerships, payments, ACH, card programs, lending, or deposit account products.
- A track record of building, scaling, or enhancing compliance programs (policies, controls, monitoring, training, issue management, regulatory change management), including using AI to make those programs more scalable and proactive.
- Experience advising Product, Engineering, Marketing, Legal, and Operations teams on product launches, strategic partnerships, and customer-facing or marketing materials, with strong cross-functional influence skills.
- Experience working directly with banking partners, payment processors, auditors, or regulators, including supporting internal/external audits, exams, partner bank reviews, and remediation.
- Strong judgment and issue-spotting skills, with the ability to distill complex regulations into clear guidance and make practical, risk-based calls in ambiguous or fast-moving situations.
- Demonstrated experience using AI tools (ChatGPT, Claude, Gemini, Glean, Notion AI, or similar) to build scalable compliance workflows, paired with the curiosity and discipline to design appropriate human review, testing, and quality controls.

## Compensation
- Cash compensation: $148,085/yr to $182,638/yr in Denver & most major metro locations, and $174,470/yr to $215,180/yr for San Francisco & New York.
- All full-time employees receive competitive base pay, benefits, and equity (RSUs).

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