Principal Fraud Strategy Analyst, Embedded Finance and Capital

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 define the risk strategy for Embedded Finance & Capital products. This highly strategic and analytical role will be central to driving actionable insights & defining the risk strategy across Toast’s Embedded Finance product suite. As a senior individual contributor, you’ll partner with leaders across Product, Data Science, Operations, and Finance to ensure Embedded Finance products scale responsibly while serving the restaurant community.

About this roll\* (Responsibilities)

• Coordinate with the Fraud and Credit Risk Teams to understand their reporting needs, and iterate on dashboards and visualizations to allow them to track metrics to achieve their business goals
• Work closely with operational teams to build monitoring and alerting to minimize gaps in our fraud and risk program
• Present portfolio insights and recommendations to senior leadership, influencing product and credit strategy.
• Analyze large sets of transaction data to develop fraud mitigation strategy
• Mentor analysts across the team, sharing expertise in advanced analytics, risk modeling, and storytelling with data.

Do you have the right ingredients\*

? (Requirements)

• 7-10 years of experience in data analytics, credit risk, lending, or financial services; fintech experience is a plus.
• Strong SQL skills and proficiency with analytical tools (Python, R, Tableau/Power BI, Snowflake, etc.).
• Proven ability to analyze large, complex datasets to extract actionable insights.
• 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 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.