Transaction Monitoring Risk Analyst
Transaction Monitoring Risk Analyst
Employer Active
Job Alert
You will be updated with latest job alerts via email
Share
Job Alert
You will be updated with latest job alerts via email
Job Description
About Toast
We are a rapidly growing company thats revolutionizing the way the restaurant industry does business by pairing technology with an extraordinary commitment to customer success. We help restaurants streamline operations increase revenue and deliver amazing guest experiences through our platform that combines restaurant point of sale guest-facing technology and award-winning customer support. Join us as we empower the restaurant community to delight guests do what they love and thrive.
Bready* to make a change
We are seeking a sharp analytical Transaction Monitoring 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.
Key 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 and Account Management 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
Qualifications:
- Bachelors degree in Finance Business Data Analytics Economics or a related field
- 25 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
- 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
Preferred Qualifications:
- Familiarity with anomaly detection techniques and machine learning-based risk scoring (a plus not required)
Diversity 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 .
------
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.
Required Experience:
IC
Employment Type
Full Time
