Senior Compliance Analyst, Retail and Payments

A day in the life (Responsibilities)

• 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

What you'll need to thrive (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 compliance topics to diverse audiences