Principal Fraud Analyst (Data Science), Digital Payments Fraud Strategy US

• 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.
• 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 Analytics team to own the analytical strategy for assessing and mitigating fraud risk for digital transactions.
• This role will report to the Senior Manager of Fraud 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 digital payments landscape, with a focus on guest fraud.
• 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, experience, and geographic location.
• In addition to base salary, our total rewards components include cash compensation (overtime, bonus/commissions if eligible), equity, and benefits.
• You can learn more about how we align pay with local labor markets in our Geographic Pay Zone Philosophy .

Zone A

$128,000 — $205,000 USD

Zone B

$112,000 — $179,000 USD

Zone C

$101,000 — $162,000 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.
• We ask that you complete interviews and assessments on your own, without real-time AI tools, recording, or transcription bots, unless we tell you otherwise in advance.

Our 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: https://careers.toasttab.com/locations-toast
• People Are the Secret Ingredient in Our Recipe for Success
• At Toast, our employees are our secret ingredient—when they thrive, we thrive.
• The restaurant industry brings together people with a wide range of backgrounds, experiences, and perspectives, and we value that same breadth at Toast.
• We strive to build a culture grounded in authenticity, respect, and humility, where every Toaster has a real opportunity to grow, contribute, and do their best work—raising the bar in delivering exceptional experiences for our customers and each other.

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 [email protected] .

------

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.