Staff Software Engineer, Retirement Financial Platform

About the Role

You’ll be a key engineer focused on building and owning the systems that move money and assets through Gusto Retirement. This is a very hands-on role: owning backend services and APIs end-to-end, shipping production code, and working through real financial edge cases. You’ll partner closely with product, compliance, and operations to turn complex financial requirements into reliable software.

Key Responsibilities

• Design, build, and ship services and APIs for money movement and financial integrations.
• Work on payments, settlements, reconciliation, and corrections involving real customer funds.
• Build and support critical workflows like payroll integration, KYB/KYC, 401k loans, billing and invoicing, and IRA.
• Partner with product, compliance, and operations to scope work and deliver production-ready solutions.
• Debug production issues and improve reliability, observability, and operational tooling.
• Collaborate with other engineering teams to integrate with shared systems and platforms.
• Mentor other engineers to help solve some of the hardest technical problems in complex domains and at large scale.
• Write clear, reliable, well-tested code that ships quickly and scales well.

Qualifications

• 8+ years of software engineering experience building and shipping production products or platforms.
• Strong experience with services, APIs, and data-heavy workflows.
• Experience working on financial systems, payments, or other high-correctness domains (or the ability to ramp quickly).
• Comfortable owning systems end-to-end, including production support and operational work.
• Experience working closely with PMs and cross-functional partners to deliver scoped work.
• Pragmatic, execution-focused approach to engineering.
• Clear communicator and collaborative teammate.
• Ability to mentor engineers to maximize their performance and impact.
• Experience with Ruby on Rails (or a comparable backend framework).

Bonus Points

• Experience leveraging AI tools or systems to accelerate development, improve testing, and deliver new product capabilities.
• Curiosity and experimentation with emerging AI frameworks, applying and sharing best practices to evaluate and scale AI use safely across teams.

Additional Requirements

• Travel to Gusto's office for onboarding is required.