Lead Fraud Risk Analyst

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. We are seeking a sharp, analytical Lead Fraud 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. A day in the life (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, Account Management, fraud ops  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 ri