Product Analyst, EMV Testing and Certifications

Toast is driven by building the restaurant platform that helps restaurants adapt, take control, and return to what they do best: building the businesses they love.

The Toast Card Readers team is at the heart of that experience—delivering fast, reliable, and secure payments through a growing portfolio of terminal devices and integrations.
We are looking for a seasoned EMV expert to lead the execution of card brand certifications and processor approvals, enabling our payment readers to operate globally and at scale. You will drive certifications end-to-end, working closely with engineering, QA, product, compliance, and external partners to ensure seamless EMV performance across all Toast environments. Your work enables fast, secure innovation in our card-present payment stack.

About this roll* (Responsibilities) 

• Own the roadmap and execution for EMV Level 3 certifications across Toast’s payment ecosystem.
• Collaborate with engineering, QA, and product to define test plans, certification strategies, and hardware configurations.
• Translate complex EMVCo and card brand specifications into clear, actionable certification test cases, technical documentation and requirements.
• Lead execution of L3 test campaigns using simulation tools (Galitt, BTT, CCRT, and others).
• Troubleshoot message-level issues and debug certification failures 
• Configure test environments, simulate card behaviors, and validate standard and edge-case transaction flows.
• Stay current on EMVCo specifications, card brand updates, and global certification processes.
• Ensure terminal configurations are aligned with certification outcomes and field deployment standards.
• Maintain structured documentation on test cases, results, and learnings to support continuous improvement and compliance audits.
• Drive strong collaboration across internal stakeholders and certification bodies to accelerate time-to-certification and launch.

Do you have the right ingredients*? (Requirements)

• 5+ years of experience in payments or fintech with a focus on EMV certifications, card-present transaction systems, or terminal software.
• Deep understanding of EMV transaction flows, APDU command structures, and Level 2/3 certification practices.
• Proficiency with ISO 8583 message formats and end-to-end authorization flows.
• Experience with L3 test execution using simulation and certification tools (e.g. Galitt, BTT, CCRT).
• Familiarity with mobile wallet implementations and tokenized payment flows (e.g., Apple Pay, Google Pay, Samsung Pay).
• Knowledge of multiple terminal environments, including POS, mPOS, unattended kiosks and fuel terminals.
• Strong analytical and problem-solving skills with the ability to dive deep into certification logs and resolve technical issues.
• Excellent organizational and communication skills with the ability to manage multiple concurrent certifications and deadlines.
• Comfortable working independently and collaboratively across teams in a fast-paced, highly regulated environment.
• Bonus: Experience scripting or automating test case execution and environment setup.

Our Spread* of Total Rewards
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.

*Bread puns encouraged but not required