Bill.com
Senior Staff Software Engineer - Payments Risk
United States · Staff+
No sponsorship$207k-$259kDetected 2 days ago
JavaAWSCloud PlatformsDatadogKafkaMachine LearningData ScienceLLMsAI OrchestrationCybersecurityDetection EngineeringRecruitingSignal ProcessingControlsZero TrustResearchLeadership
About the role
- By replacing outdated financial processes with innovative tools, we help businesses-from startups to established brands-make smarter decisions and gain control of their operations.
- And we don't stop there: we're creating the future of financial automation so businesses can spend more time on what matters.
- Make your impact within a rapidly growing Fintech Company Join BILL's Risk Engineering organization as a Senior Staff Software Engineer and take on some of the most consequential technical challenges in fintech.
Responsibilities
- Architect and own core risk and onboarding platform services, including real-time decisioning engines, transaction monitoring pipelines, identity and workflow orchestration systems, and access eligibility controls that process high volumes of payments with strict latency, reliability, and accuracy requirements.
- Define and deliver a technical roadmap for risk and access control infrastructure, incorporating Zero Trust principles, role-based access controls, and privileged access management patterns into BILL's risk platform.
- Partner with AWS infrastructure and cloud architecture teams to design and implement security controls that enforce security-by-default across BILL's cloud environment, proactively identifying and remediating gaps in hygiene and configuration.
- Define and champion standards for AI-assisted engineering, embedding tools like Claude into design reviews, testing, and debugging workflows to improve delivery speed and code quality across the organization.
- Lead end-to-end delivery of complex cross-functional risk and onboarding initiatives, coordinating across engineering, compliance, legal, and operations from requirements through production deployment.
- Mentor and elevate engineers on the risk team, investing in technical growth and raising the overall standard for system design, code quality, security thinking, and AI adoption.
- 12+ years of software engineering experience, with meaningful time spent building risk, fraud, identity, onboarding compliance, or security platform systems at scale in a fintech or financial services environment.
- Deep expertise designing and building distributed, high-availability, low-latency systems in Java or a comparable JVM language, with strong command of system design tradeoffs under real-world production constraints.
- We value purpose, drive, and curiosity-and we thrive in a fast-paced, ever-changing environment.
- BILL builds high performing teams and we seek to hire the best talent for every role.
Requirements
- Familiarity with financial compliance and regulatory frameworks relevant to payment, lending, or onboarding risk, including KYC/KYB, BSA/AML, or transaction monitoring.
- Applicants must have authorization to work in the United States without requiring visa sponsorship now or in the future.
- Experience integrating machine learning models into production risk or fraud pipelines, including feature engineering, model serving infrastructure, and monitoring for model drift.
- Background working with real-time streaming architectures such as Kafka for risk signal processing or event-driven fraud detection systems, and familiarity with observability tooling such as Datadog or OpenTelemetry.
Skills
- Innovate with purpose
Compensation
- The estimated salary ranges noted below roles in the specific geographic zones
- $206,900 - $258,700 USD
- $186,200 - $232,800 USD
Benefits
- 100% paid employee health, dental, and vision plans (choose HMO, PPO, or HDHP)
- HSA & FSA accounts
- Life Insurance, Long & Short-term disability coverage
- 11+ Observed holidays and wellness days and flexible time off
- Employee Stock Purchase Program with employee discounts
- Wellness & Fitness initiatives
- Working here means you become part of a vision-driven team that's ready to tackle challenges and build cutting-edge solutions.
Company info
- We'd love to hear from you-you might be just what we're looking for, whether in this role or another.
Visa & Work Authorization
- Please note that this position is not eligible for visa sponsorship.
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This listing is sourced directly from Bill.com's careers page and normalized into a canonical job model.