Senior Compliance Analyst, Retail and Payments

Toast

Senior Compliance Analyst ensuring compliance with regulatory requirements for Toast’s Retail and Payments operations. Collaborating cross-functionally to mitigate risks and enhance compliance strategies.

Posted 4/20/2026full-timeRemote • California, District of Columbia, Illinois, Massachusetts, New York • 🇺🇸 United StatesSenior💰 $85,000 - $173,000 per yearWebsite

About the role

Key responsibilities & impact

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

What you’ll need

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

Comp & perks

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

ATS Keywords

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Applicant Tracking System Keywords

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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