Toast offers remote and hybrid work flexibility. Our Legal &amp; 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 &amp; 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) <ul> <li>Execute key compliance management processes to monitor and ensure compliance with network and regulatory requirements across Toast retail segment and Payments products.</li> <li>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.</li> <li>Research and analyze compliance risks associated with retail merchants, including high-risk categories and evolving regulatory concerns. </li> <li>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.</li> <li>Liaise with business partners on compliance matters and provide guidance on risk exposure, process and control implementations/enhancements, and best practices.</li> <li>Support audits and regulatory inquiries, gathering relevant documentation and ensuring transparency in compliance operations.</li> <li>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.</li> <li>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).</li> <li>Support the Retail business in the adoption of enterprise risk and compliance framework of policies, training, and reporting.</li> </ul>   Do you have the right ingredients*? (Requirements) <ul> <li>Bachelor’s degree in business, finance, law, or a related field.</li> <li>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.</li> <li>Strong analytical skills with the ability to assess risk and identify potential compliance concerns.</li> <li>Excellent communication skills with the ability to convey complex regulatory information to both technical and non-technical audiences.</li> <li>Ability to work cross-functionally, building strong partnerships across Risk, Retail, Legal, and operational teams.</li> <li>Ability to work collaboratively in a fast-paced, dynamic environment.</li> </ul>   Special Sauce* (Nice to Haves) <ul> <li>Experience with compliance tools, transaction monitoring systems, or regulatory reporting platforms is a plus.</li> <li>Experience in retail compliance is a plus.</li> <li>Experience with fuel sales compliance is a plus. </li> </ul>   AI at Toast At Toast we’re Hungry to Build and Learn. We believe learning new AI tools empowers us to build for our customers faster, more independently, and with higher quality. We provide these tools across all disciplines, from Engineering and Product to Sales and Support, and are inspired by how our Toasters are already driving real value with them. The people who thrive here are those who embrace changes that let us build more for our customers; it’s a core part of our culture. Our Spread* of Total Rewards We strive to provide competitive compensation and benefits programs that help to attract, retain, and motivate the best and brightest people in our industry. Our total rewards package goes beyond great earnings potential and provides the means to a healthy lifestyle with the flexibility to meet Toasters’ changing needs. Learn more about our benefits at <a href="https://careers.toasttab.com/toast-benefits">https://careers.toasttab.com/toast-benefits</a>.     #LI-DNI  <div><div><div>The base salary range for this role is listed below. The starting salary will be determined based on skills and experience. In addition to base salary, our total rewards components include cash compensation (overtime, bonus/commissions, if eligible), benefits, and equity (if eligible).</div><div>Pay Range</div><div>$88,000—$141,000 USD</div></div></div><div>  Diversity, Equity, and Inclusion is Baked into our Recipe for Success At Toast, our employees are our secret ingredient—when they thrive, we thrive. The restaurant industry is one of the most diverse, and we embrace that diversity with authenticity, inclusivity, respect, and humility. By embedding these principles into our culture and design, we create equitable opportunities for all and raise the bar in delivering exceptional experiences. We Thrive Together We embrace a hybrid work model that fosters in-person collaboration while valuing individual needs. Our goal is to build a strong culture of connection as we work together to empower the restaurant community. To learn more about how we work globally and regionally, check out: <a href="https://careers.toasttab.com/locations-toast" target="_blank">https://careers.toasttab.com/locations-toast</a>. Apply today! Toast is committed to creating an accessible and inclusive hiring process. As part of this commitment, we strive to provide reasonable accommodations for persons with disabilities to enable them to access the hiring process. If you need an accommodation to access the job application or interview process, please contact <a href="mailto:candidateaccommodations@toasttab.com">candidateaccommodations@toasttab.com</a>. ------ For roles in the United States, It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.</div>