Senior Compliance Analyst, Retail and Payments

Role Overview

• 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

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.

Benefits

• Competitive compensation
• Health insurance
• Retirement plans
• Paid time off
• Professional development programs
• Bonuses