Senior Compliance Analyst, Retail and Payments

Toast

11h•Hybrid

About The Position

Toast is building an all-in-one restaurant platform to help businesses operate, increase sales, engage guests, and keep employees happy. The Toast Fintech Compliance Program emphasizes a compliance-by-design approach, focusing on product lifecycle management to enable innovation and deliver quality solutions. The company is seeking a Senior Compliance Analyst to oversee compliance initiatives and management systems for its Retail and Payments business lines. This role reports to the Senior Manager of Payments & Retail Compliance and is responsible for ensuring alignment with industry regulations, card network rules, and internal risk policies. The ideal candidate is a proactive problem-solver who can navigate ambiguity, drive ownership, and collaborate cross-functionally to mitigate risk across Toast’s expanding operations. Legal & Compliance teams are primarily located in Boston, New York, Washington D.C., San Francisco, and Chicago, with candidates in these areas being prioritized for proximity to colleagues and company resources.

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
Strong communication skills, with the ability to convey complex regulatory information clearly and concisely to both technical and non-technical audiences
Ability to provide clear, structured updates on status, risks, and next steps to cross-functional partners and leadership
Demonstrated ability to take ownership of work, operate proactively, and drive tasks forward with minimal direction
Ability to work cross-functionally and build strong partnerships across Risk, Retail, Legal, and operational teams
Ability to operate effectively in a fast-paced, dynamic environment and bring structure to ambiguous problems
Ability to balance a collaborative, informal culture with a strong sense of urgency and accountability

Nice To Haves

Experience with compliance tools, transaction monitoring systems, or regulatory reporting platforms
Experience in retail compliance
Experience with fuel sales compliance
Experience with international payments compliance

Responsibilities

Own and execute key compliance management processes to monitor and ensure compliance with network and regulatory requirements across Toast Retail and Payments products
Proactively manage and communicate status, risks, and next steps across multiple workstreams, ensuring stakeholders are informed without requiring prompting
Assist in tracking and assessing new and changing regulations across Payments and Retail, including card network rules, data security standards, consumer protection laws, and emerging payment technologies; escalate potential concerns and support mitigation strategies
Research and analyze compliance risks associated with retail merchants, including high-risk categories and evolving regulatory concerns
Collaborate closely with Merchant Risk, Retail, Legal, Product, and Operations to develop and refine compliance policies, controls, and guidance
Liaise with business partners to provide practical, risk-based compliance guidance, including process and control recommendations
Support audits and regulatory inquiries by gathering documentation and ensuring transparency in compliance operations
Execute and support internal compliance testing activities in partnership with the Global Testing Program Manager, including contributing to test planning, performing testing, documenting results, and tracking remediation to completion
Evaluate and guide the business on new and existing product releases and enhancements to ensure alignment with applicable laws, regulations, policies, and strategic partner requirements
Identify compliance issues (internally or through audits/exams), track remediation efforts, and follow up with stakeholders to ensure timely resolution
Effectively manage competing priorities, flagging capacity constraints early and proposing solutions or reprioritization as needed
Support the Retail business in adopting enterprise risk and compliance frameworks, including policies, training, and reporting