We are seeking an experienced Product Counsel to join our Strategic Transactions and Financial Technologies, Legal team to support Gusto, focused on our consumer financial product offerings.

About Gusto

Gusto is a modern, online people platform that helps small businesses take care of their teams. On top of full-service payroll, Gusto offers health insurance, 401(k)s, expert HR, and team management tools. Today, Gusto offices in Denver, San Francisco, and New York serve more than 200,000 businesses nationwide.

Our mission is to create a world where work empowers a better life, and it starts right here at Gusto. That’s why we’re committed to building a collaborative and inclusive workplace, both physically and virtually. Learn more about our Total Rewards philosophy.

About the Role

This role will be based in any of our home base offices, San Francisco, New York City, or Denver, Colorado, or remote.  This individual will support and grow our mission to create a world where work empowers a better life and to build inclusive workplaces with responsible financial benefits for employees.

In the role you'll work closely with our Engineering, Product, Design, Business and Operations teams to provide guided advice and direction about the applicability of consumer financial laws, such as TILA, TISA, FDCPA, FCRA, ECOA, UDAAP, EFTA, BSA, and relevant state equivalents and payments laws, network rules and payment facilitator business models. Check out what it is like to Work with Gusto

Here’s what you’ll do day-to-day:

  • Navigate complex product and regulatory frameworks to design and mature innovative financial products and services.
  • Identify and advise on risks arising from payments and other financial services regulatory regimes and provide practical solutions to address risks identified and business needs.
  • Counsel the product, engineering, and design teams on a range of issues including financial services, privacy, and consumer protection.
  • Structure, draft, negotiate and advise upon various financial services complex transactions with minimal direction and supervision.
  • Work closely with our Compliance team to manage multiple financial services products, including monitoring, training, policies and procedures, risk assessments, and third-party audits.
  • Collaborate with our Operations and Engineering, Product, and Design teams to mature our processes, controls, and documentation as needed to align with new or revised laws, rules, or regulations.
  • Research and respond to internal stakeholders on complex product and regulatory issues.
  • Look around corners and creatively solve problems for the business as they plan, build, and execute on their product roadmap.

Here’s what we’re looking for:

  • JD degree with 5+ years of combined relevant legal experience in a law firm and/or an in-house legal department of a regulated financial institution or financial technology company
  • Familiarity with state and federal consumer financial, lending, and payments laws
  • Active license to practice law in California or New York, or ability to register in-house
  • Experience advising on financial products, including mobile apps
  • Experience negotiating and drafting strategic agreements for financial services
  • Attention to detail and the ability to follow through in a fast-paced environment
  • A self-starter with team player mindset (no job is too big or too small)
  • A collaborative approach and demonstrated ability to work well under pressure, cross-functionally, and independently.  

Our cash compensation amount for this role is targeted at $152,000 to $181,000 in Denver & most remote locations, and $185,000 to $212,000 for San Francisco & New York. Final offer amounts are determined by multiple factors including candidate experience and expertise and may vary from the amounts listed above.

Our customers come from all walks of life and so do we. We hire great people from a wide variety of backgrounds, not just because it's the right thing to do, but because it makes our company stronger. If you share our values and our enthusiasm for small businesses, you will find a home with us.

Our company is proud to be an equal opportunity employer. We do not discriminate in hiring or any employment decision based on race, color, religion, national origin, age, sex (including pregnancy, childbirth, or related medical conditions), marital status, ancestry, physical or mental disability, genetic information, veteran status, gender identity or expression, sexual orientation, or other applicable legally protected characteristic. Our company considers qualified applicants with criminal histories, consistent with applicable federal, state and local law. We are also committed to providing reasonable accommodations for qualified individuals with disabilities and disabled veterans in our job application procedures. If you need assistance or an accommodation due to a disability, you may contact us at accommodations@gusto.com. 







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Voluntary Self-Identification

Our customers come from all walks of life and so do we. We hire people from a wide variety of backgrounds, not just because it’s the right thing to do, but because it helps us to build better products, better serve our customers, and makes our company stronger. 

In addition to the information required to consider your application, below is a set of voluntary demographic questions. If you choose to fill them out, the responses will be used to help us identify areas for improvement in our process and further support the development and execution of our diversity efforts and programs. 


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You are considered to have a disability if you have a physical or mental impairment or medical condition that substantially limits a major life activity, or if you have a history or record of such an impairment or medical condition. Disabilities include, but are not limited to: 

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