I’m a trans guy and I’m currently writing a story with a trans male protagonist who is conflicted about whether or not to disclose his trans past to his co-workers. He works at an elementary school, which is part of what fuels his particular hesitation.
As a post-transition person, I never found bathroom access to be an employment issue, especially in New York City. There are workplace protections against discrimination and harassment. I feel like her issues would depend on her line of work and whether or not her employer knows that she is trans.
If her employer doesn’t know, and she doesn’t want to tell them for whatever reason, that might cause some stress. To get a job you need to provide ID and a social security card, so legal name and sex could be an issue. In NY you only need a doctor to fill out a form that you’ve “transitioned” (not surgery-specific), so that might not be a problem. Some jobs also require college transcripts, so depending on the age when she transitioned that might out her.
I don’t know what other issues she might face, besides closed-minded co-workers. There are lots of transgender people who hold down professional employment. But I’d also suggest reading #ownvoice stories as a form of research.