Julia McCaffrey

Julia McCaffrey, CAMS, currently serves as the Manager of Merchant Risk at Toast, having joined in January 2020. Previous roles include Lead Merchant Risk and BSA Officer and Regulatory Reporting Manager at Circle, where responsibilities encompassed managing all Money Transmitter regulatory reports and overseeing state examinations. Julia has also worked as a Compliance Analyst at Circle, focusing on AML operations and training, and has experience in customer service and merchandising from positions at Wayfair, Apple, and several other organizations. A graduate of the University of Massachusetts Amherst with a Bachelor of Business Administration, Julia combines a strong background in compliance, risk management, and customer service.