Transaction Monitoring Risk Analyst

Bangalore, Karnataka
Permanent
Full-time

24 days ago

About ToastWe are a rapidly growing company that's revolutionizing the way the restaurant industry does business by pairing technology with an extraordinary commitment to customer success. We help restaurants streamline operations, increase revenue, and deliver amazing guest experiences through our platform that combines restaurant point of sale, guest-facing technology, and award-winning customer support. Join us as we empower the restaurant community to delight guests, do what they love, and thrive.Bready* to make a change?We are seeking a sharp, analytical Transaction Monitoring Risk Analyst to join our growing Risk team. This role is critical to identifying early signs of transactional risk and merchant degradation through data-driven monitoring. You'll be responsible for detecting anomalies, analyzing behavioral trends, and designing custom monitoring strategies that mitigate risk exposure. You'll work cross-functionally with Sales, Finance, and Leadership to protect business health and proactively manage high-risk counterparties.Key Responsibilities:

Build and implement early warning systems to proactively detect signs of merchant risk and transaction anomalies
Analyze internal data to identify patterns of merchant degradation or irregular transaction behavior
Design and execute custom monitoring strategies based on unique merchant profiles and risk indicators
Take fast, informed actions based on emerging risk signals, consulting with Leadership and Risk stakeholders as needed
Collaborate with Sales and Account Management teams to contextualize data findings with real-world merchant relationships
Conduct research to uncover and assess counterparty debt levels or financial stress indicators
Develop and maintain data queries and visualizations to monitor large exposures, fraud risks, or operational anomalies
Partner with Risk Strategy, Underwriting, and Data teams to continuously refine risk detection logic and tools
Contribute to the design of transaction anomaly detection systems and alerting frameworks for proactive intervention

Qualifications:

Bachelor's degree in Finance, Business, Data Analytics, Economics, or a related field
2-5 years of experience in transaction monitoring, risk analytics, fraud detection, or credit risk management
Experience in fintech, payments, lending, or transaction monitoring platforms
Strong data analysis and investigative skills with a focus on behavioral pattern recognition
Proficiency in SQL and analytics platforms such as Looker, Hex, Snowflake, and Python
Strong communication skills and ability to translate technical findings into business context
Ability to work cross-functionally in a fast-paced, dynamic environment with minimal supervision
Strong analytical and problem-solving skills with high attention to detail.
Excellent written and verbal communication skills.
Ability to work independently and as part of a team in a fast-paced environment.
Experience in retail sector
Understanding of merchant or SMB-related risk dynamics, including sector or geographic exposure risk

Preferred Qualifications:

Familiarity with anomaly detection techniques and machine learning-based risk scoring (a plus, not required)

Diversity, Equity, and Inclusion is Baked into our Recipe for SuccessAt 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 TogetherWe 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: .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 .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.

Toast Inc

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