Principal Fraud Analyst-Payments & Onboarding (Data Science)

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.

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

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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

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.

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.