Lead Fraud Risk Analyst

Toast creates technology to help restaurants and local businesses succeed in a digital world helping business owners operate increase sales engage customers and keep employees happy.

We are seeking a sharp analytical Lead Fraud Risk Analyst to join our growing Risk team. This role is critical to identifying early signs of transactional risk and merchant degradation through data-driven monitoring. Youll be responsible for detecting anomalies analyzing behavioral trends and designing custom monitoring strategies that mitigate risk exposure. Youll work cross-functionally with Sales Finance and Leadership to protect business health and proactively manage high-risk counterparties.

A day in the life (Responsibilities)

• Build and implement early warning systems to proactively detect signs of merchant risk and transaction anomalies
• Analyze internal data to identify patterns of merchant degradation or irregular transaction behavior
• Design and execute custom monitoring strategies based on unique merchant profiles and risk indicators
• Take fast informed actions based on emerging risk signals consulting with Leadership and Risk stakeholders as needed
• Collaborate with Sales Account Management fraud ops teams to contextualize data findings with real-world merchant relationships
• Conduct research to uncover and assess counterparty debt levels or financial stress indicators
• Develop and maintain data queries and visualizations to monitor large exposures fraud risks or operational anomalies
• Partner with Risk Strategy Underwriting and Data teams to continuously refine risk detection logic and tools
• Contribute to the design of transaction anomaly detection systems and alerting frameworks for proactive intervention
• Ability to perform fraud review independently

What youll need to thrive (Requirements)

• Bachelors degree in Finance Business Data Analytics Economics or a related field
• 5 years of experience in transaction monitoring risk analytics fraud detection or credit risk management
• Experience in fintech payments lending or transaction monitoring platforms
• Strong data analysis and investigative skills with a focus on behavioral pattern recognition
• Proficiency in SQL and analytics platforms such as Looker Hex Snowflake and Python
• Python and SQL Mandate
• Strong communication skills and ability to translate technical findings into business context
• Ability to work cross-functionally in a fast-paced dynamic environment with minimal supervision
• Strong analytical and problem-solving skills with high attention to detail.
• Excellent written and verbal communication skills.
• Ability to work independently and as part of a team in a fast-paced environment.
• Experience in retail sector
• Understanding of merchant or SMB-related risk dynamics including sector or geographic exposure risk
• Leveraging AI for advanced analytics & reporting
• This is a hybrid role with 2 days per week in the Bangalore office.

What youll need to thrive (Requirements)

• Familiarity with anomaly detection techniques and machine learning-based risk scoring (a plus not required)

AI at Toast

At Toast one of our company values is that were 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; its a core part of our culture.

Our Total Rewards Philosophy

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 Toast Uses AI in its Hiring Process

Throughout the hiring process our goal is to get to know you. We use AI tools to support our recruiters and interviewers with tasks like note-taking summarization and documentation of interviews to ensure they can be fully focused on your conversation. All hiring decisions are made by people. To learn more: Approach to Hybrid Working

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 hospitality community regardless of location. Please visit the Locations page on our career site to learn more about our in-office expectations by region: Equity and Inclusion is Baked into our Recipe for Success

At Toast our employees are our secret ingredientwhen they thrive we 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: 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 .

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