Principal Fraud Analyst, Payments & Onboarding

About Toast Toast is driven by building the all-in-one restaurant platform that helps restaurants operate their business, increase sales, engage guests, and keep employees happy. We are seeking a Principal Analyst to join our Fraud Strategy & Analytics team to own the analytical strategy for assessing and mitigating fraud risk, including onboarding and early-lifecycle exposure. This role will report to the Senior Manager of Risk Analytics. This senior individual contributor role will be central to driving actionable insights & defining the risk strategy across Toast’s Fintech ecosystem. About this roll* (Responsibilities) Lead the definition and evolution of risk frameworks across the customer lifecycle, with a focus on early-stage and onboarding risk. Design, develop, and own core fraud and risk metrics that inform decision-making, performance measurement, and strategy. Partner with internal stakeholders (Product, Engineering, Risk Operations) to translate analytical insights into scalable solutions. Evaluate, integrate, and manage external data sources to enhance risk detection and decisioning capabilities. Define data requirements and partner with engineering to build and maintain reliable, production-grade data pipelines. Act as a thought leader in fraud analytics, setting best practices for measurement & risk modelling. Do you have the right ingredients? (Qualifications) 6–8 years of experience in data analytics, payments risk & fraud; fintech experience is a plus. Very strong SQL & Python skills and proficiency with analytical tools. Proven ability to analyze large, complex datasets to extract actionable insights. Demonstrated experience owning ambiguous problem spaces and translating them into clear analytical frameworks and measurable outcomes. Exceptional communication skills, with a track record of influencing cross-functional stakeholders and executive leaders. Ability to thrive in a dynamic, fast-paced environment with competing priorities. Strategic thinker with high intellectual curiosity and a passion for driving impact. AI at Toast At Toast, one of our company values is that we're 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; it’s 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 https://careers.toasttab.com/toast-benefits. The base salary range for this role is listed below. The starting salary will be determined based on skills and experience. In addition to base salary, our total rewards components include cash compensation (overtime, bonus/commissions, if eligible), benefits, and equity (if eligible). Pay Range $112,000—$179,000 USD How 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. Diversity, Equity, and Inclusion is Baked into our Recipe for Success At Toast, our employees are our secret ingredient—when they thrive, we thrive. The 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: https://careers.toasttab.com/locations-toast. 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 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.