What are the responsibilities and job description for the Merchant Risk Analyst position at Toast?
Now, more than ever, the Toast team is committed to our customers. We’re taking steps to help restaurants navigate these unprecedented times with technology, resources, and community. Our focus is on building the restaurant platform that helps restaurants adapt, take control, and get back to what they do best: building the businesses they love. And because our technology is purpose-built for restaurants, by restaurant people, restaurants can trust that we’ll deliver on their needs for today while investing in experiences that will power their restaurant of the future.
About the roll*: Merchant Risk Analyst
The Merchant Risk Analyst will report to the Merchant Risk Manager and will be responsible for underwriting customers across Toast’s portfolio of products, handling risk-related escalations from other operational teams, and fulfilling law enforcement requests. They will also support the Merchant Risk team in rolling out new initiatives and building a comprehensive program that keeps Toast and our customers safe.
What You Will Do:
- Underwrite customers across Toast’s product portfolio
- Manage escalations from other teams within Toast
- Interface with Fraud Team to create a holistic Fraud and Risk program
- Report unusual activity to banking and processing partners and fulfill law enforcement requests
- Document and maintain policies and procedures
- Ensure consistent record keeping and tracking across compliance-related cases
- Make determinations on gray-area cases and decide when to escalate cases to the Merchant Risk Manager, Legal, and Compliance
- Assist in building out a world-class BSA/AML program
- Become a subject matter expert regarding Toast’s payment solutions, fraud prevention tools and deeply understand the payments value proposition and how Toast Payments specifically meets restaurant needs
Do you have the right ingredients?
- 0-2 years of experience in a compliance-related role, payments and/or BSA/AML experience a plus
- Experience with analyzing transaction histories
- Curiosity and strong investigative skills, able to form a narrative around large sets of data
- Ability to work effectively in a dynamic, changing environment and adapt while focusing on key goals and objectives with minimal oversight
- SQL skills a plus
#LI-REMOTE
We are Toasters
Diversity, Equity, and Inclusion is Baked into our Recipe for Success.
At Toast our employees are our secret ingredient. When they are powered to succeed, Toast succeeds.
The restaurant industry is one of the most diverse industries. We embrace and are excited by this diversity, believing that only through authenticity, inclusivity, high standards of respect and trust, and leading with humility will we be able to achieve our goals.
Baking inclusive principles into our company and diversity into our design provides equitable opportunities for all and enhances our ability to be first in class in all aspects of our industry.
Bready* to make a change? 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 candidateaccommodations@toasttab.com.
For roles based in the United States: As part of our commitment to the health and safety of our employees and their families, all individuals entering our US workspaces are required to provide proof of full vaccination against COVID-19 unless they have an approved medical or religious accommodation.
