Senior Compliance Analyst, Retail and Payments

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🕒 April 24

🏄 California, Illinois, +3 more states – Remote

🏄 California – Remote 🌽 Illinois – Remote 🗽 New York – Remote 🍂 Massachusetts – Remote ☕ Washington – Remote

💵 $108k - $173k / year

⏰ Full Time

🟠 Senior

🚔 Compliance

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Toast

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 2013

☁️ SaaS

🤝 B2B

SaaS • B2B • Hospitality

Toast is a technology company that specializes in providing integrated software and hardware solutions for the restaurant industry. Their offerings include a comprehensive restaurant management platform that features point of sale (POS) systems, payment processing, online ordering, payroll management, and various operational tools designed to streamline restaurant operations. Toast's platform is tailored to meet the needs of diverse restaurant types, including quick service, full service, fast casual, fine dining, cafes, and food trucks. They also provide resources like industry insights and educational materials to support restaurant success.

📋 Description

• 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

• Health insurance • 401(k) • Paid time off • Professional development opportunities • Flexible working arrangements