Software Engineering Manager Payments

At Gusto, we're on a mission to grow the small business economy. We handle the hard stuff — payroll, health insurance, 401(k)s, and HR — so owners can focus on their craft and their customers. 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. All full-time employees receive competitive base pay, benefits, and equity (RSUs) — because everyone who helps build Gusto should share in its success. Offer amounts are determined by role, level, and location. Learn more about our Total Rewards philosophy. 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 requirements vary by role and will be assessed during the interview process. Money Movement (MM) is a core Payments Engineering team responsible for actually moving money at Gusto — reliably, on time, and at scale. The team owns Gusto’s payment rails and the integrations behind them: ACH, wires, real-time payments, checks, and international and stablecoin rails through partners. MM owns the connections to partner banks and payment providers, the APIs that initiate credits and debits, the ingestion of incoming bank data, and the routing logic that selects the most efficient rail for each payment based on speed, cost, geography, currency, and regulatory requirements. The team also builds the operational tooling that Payment Operations depends on to stop, reverse, verify, and investigate payments. MM sits within the Payments org alongside the Financial Data and Payment Profile team. Where that team owns the source of truth for payment data and the customer-facing payment method experience, MM owns execution — the systems that hand money to a bank or partner and track it to settlement. The team operates tier-1 systems with clear reliability ownership, on-call responsibility, and defined SLOs measured across every rail, and is in the middle of extracting money movement out of the monolith into a standalone Payments Service with a rails-factory architecture and stable API contracts for upstream product teams. As an Engineering Manager on the Money Movement team, you’ll directly empower a team of engineers, supporting them in their continued growth and success. You’ll collaborate with a talented cross-functional team of Product, Design, and Data partners, along with Payment Operations, Accounting, and Treasury, focusing on payments infrastructure that customers can trust with their payroll.