Toast

Senior Compliance Analyst, Retail and Payments

Toast

full-time

Posted on:

Location Type: Remote

Location: California • District of Columbia • United States

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Salary

💰 $85,000 - $173,000 per year

Job Level

Senior

About the role

  • 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
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
compliance managementrisk managementpayment processingregulatory frameworksanalytical skillsinternal compliance testingdocumentationremediation trackingprocess control recommendationsdata security standards
Soft Skills
strong communication skillsownership of workproactive operationcross-functional collaborationability to assess riskability to convey complex informationability to manage competing prioritiesability to work in dynamic environmentsability to build partnershipssense of urgency and accountability
Certifications
Bachelor’s degree