Principal Software Engineer - Payments, Fraud & Risk

<h3 data-start="230" data-end="247">About Toast</h3> <p data-start="248" data-end="521">Toast is the leading restaurant platform, powering payments, financial services, and operational tools for restaurants globally. Our systems process billions of dollars annually, and our Fraud Risk platforms are critical to protecting merchants, guests, and Toast itself.</p> <p data-start="523" data-end="678">At Toast, Principal Engineers (P5) are senior technical leaders who define direction, unblock teams, and deliver scalable outcomes across the organization.</p> <p data-start="680" data-end="783">Are you <strong data-start="688" data-end="698">bready</strong> to design systems that protect revenue, stop fraud in real time, and scale globally?</p> <h3 data-start="785" data-end="795">Role</h3> <p data-start="796" data-end="968">As a Principal Software Engineer (P5) on the Fraud Risk platform, you will be responsible for end-to-end technical ownership of highly complex, business-critical systems.</p> <h3 data-start="970" data-end="985">You Will:</h3> <ul data-start="986" data-end="1213"> <li data-start="986" data-end="1042"> <p data-start="988" data-end="1042">Define architecture and long-term technical strategy</p> </li> <li data-start="1043" data-end="1084"> <p data-start="1045" data-end="1084">Drive execution across multiple teams</p> </li> <li data-start="1085" data-end="1152"> <p data-start="1087" data-end="1152">Make high-stakes technical decisions with broad business impact</p> </li> <li data-start="1153" data-end="1213"> <p data-start="1155" data-end="1213">Act as a multiplier for engineering quality and velocity</p> </li> </ul> <p data-start="1215" data-end="1362">You will operate comfortably in ambiguity and help Toast scale safely as transaction volumes, fraud sophistication, and regulatory complexity grow.</p> <h3 data-start="1364" data-end="1384">What You’ll Do</h3> <h4 data-start="1386" data-end="1455">1. Technical Direction Architecture (Primary Accountability)</h4> <ul data-start="1456" data-end="1800"> <li data-start="1456" data-end="1542"> <p data-start="1458" data-end="1542">Own and evolve the architecture for Fraud and Risk systems spanning multiple teams</p> </li> <li data-start="1543" data-end="1629"> <p data-start="1545" data-end="1629">Define long-term technical vision and roadmaps aligned with Toast’s business goals</p> </li> <li data-start="1630" data-end="1710"> <p data-start="1632" data-end="1710">Lead and approve architecture and design reviews for high-impact initiatives</p> </li> <li data-start="1711" data-end="1800"> <p data-start="1713" data-end="1800">Make trade-off decisions across latency, accuracy, cost, scalability, and reliability</p> </li> </ul> <h4 data-start="1802" data-end="1841">2. Fraud Risk Systems at Scale</h4> <p data-start="1842" data-end="1875">Design and operate systems for:</p> <ul data-start="1876" data-end="2212"> <li data-start="1876" data-end="1920"> <p data-start="1878" data-end="1920">Real-time fraud detection and prevention</p> </li> <li data-start="1921" data-end="1961"> <p data-start="1923" data-end="1961">Risk scoring and decisioning engines</p> </li> <li data-start="1962" data-end="2009"> <p data-start="1964" data-end="2009">Chargeback prevention and dispute workflows</p> </li> <li data-start="2011" data-end="2113"> <p data-start="2013" data-end="2113">Build low-latency, high-throughput distributed systems processing millions of transactions per day</p> </li> <li data-start="2114" data-end="2212"> <p data-start="2116" data-end="2212">Partner with <strong data-start="2129" data-end="2154">the Data Science team</strong> to productionize fraud and risk models with strict SLAs</p> </li> </ul> <h4 data-start="2214" data-end="2273">3. Execution Through Influence (Not Ownership Alone)</h4> <ul data-start="2274" data-end="2493"> <li data-start="2274" data-end="2363"> <p data-start="2276" data-end="2363">Drive complex initiatives that require coordination across multiple engineering tea ... (truncated, view full listing at source)