Senior Compliance Analyst, Payments & Retail

Toast offers remote and hybrid work flexibility. Our Legal & Compliance teams are primarily concentrated in Boston, Chicago, New York, Washington DC, and San Francisco. Candidates residing in these areas will benefit from closer proximity to colleagues and greater access to company resources and events. Toast is driven by building the all-in-one restaurant platform that helps restaurants operate their business, increase sales, engage guests, and keep employees happy. The Toast Fintech Compliance Program provides a compliance by design embedded approach to compliance program management, with an emphasis on product lifecycle management, while enabling the business to innovate and deliver quality products and solutions to serve our customers. We're looking for a Senior Compliance Analyst to support our compliance initiatives and compliance management systems for the retail and payments lines of businesses. This role will play a critical part in ensuring Toast's payment services align with industry regulations, card network rules, and internal risk policies. This position will report to the Payments & Retail Compliance Manager and will work closely with merchant risk, retail team, and other cross-functional partners to enhance compliance strategies and mitigate risks in Toast's expanding operations. The Senior Compliance Analyst will help shape policies, assess risks, and ensure regulatory adherence across evolving merchant categories. About this roll * (Responsibilities) Execute key compliance management processes to monitor and ensure compliance with network and regulatory requirements across Toast retail segment and Payments products. Assist in tracking new and changing regulations in Payments and Retail. Assist in monitoring and staying informed about new and changing regulations within the Payments industry, including but not limited to card network rules, data security standards, consumer protection laws, and emerging payment technologies. Escalate potential concerns to senior compliance managers for mitigation strategies. Research and analyze compliance risks associated with retail merchants, including high-risk categories and evolving regulatory concerns. Collaborate heavily with the merchant risk and retail teams, as well as other cross-functional partners (e.g., legal, product, and operations) to develop and refine compliance policies. Liaise with business partners on compliance matters and provide guidance on risk exposure, process and control implementations/enhancements, and best practices. Support audits and regulatory inquiries, gathering relevant documentation and ensuring transparency in compliance operations. Evaluate and guide the business regarding new and existing product releases and enhancements to ensure compliance with applicable laws, regulations, policies and strategic partner requirements. Support the identification of issues (including those identified internally or through third-party audits/exams and reviews) and partner with testing resources to track the remediation of those issues. Follow up on remediation with business stakeholders and provide regular updates to the Payments and Retail Compliance Manager and other compliance team members (where there is cross-functional impact). Support the Retail business in the adoption of enterprise risk and compliance framework of policies, training, and reporting. Do you have the right ingredients *? (Requirements) Bachelor's degree in business, finance, law, or a related field. 3-5+ years of experience in compliance, risk management, or payment processing Familiarity with card network rules (Visa, Mastercard, etc.), regulatory frameworks (e.g., FinCEN, OFAC), and high-risk merchant categories. Strong analytical skills with the ability to assess risk and identify potential compliance concerns. Excellent communication skills with the ability to convey complex regulatory information to both technical and non-technical audiences. Ability to work cross-functionally, building strong partnerships across Risk, Retail, Legal, and operational teams. Ability to work collaboratively in a fast-paced, dynamic environment. Special Sauce* (Nice to Haves) Experience with compliance tools, transaction monitoring systems, or regulatory reporting platforms is a plus. Experience in retail compliance is a plus. Experience with fuel sales compliance is a plus.

Toast is an all-in-one point-of-sale and restaurant management platform for businesses in the foodservice and hospitality space. As a cloud-based system built specifically for restaurants, Toast offers advanced functionality including tableside ordering, quick menu modifications, real-time enterprise reporting, online ordering, and labor management on an easy-to-use interface. The company powers successful restaurants by combining point of sale, front of house, back of house, and guest-facing technology with an unequaled commitment to customer success. It enables the community of restaurateurs to delight guests and thrive. Toast was founded on 2011 and is based in Boston, Massachusetts.