Staff Software Engineer (BE)- Payment Risk

Innovate with purpose

At BILL, we believe in empowering the businesses that drive our economy. By replacing outdated financial processes with innovative tools, we help businesses—from startups to established brands—make smarter decisions and gain control of their operations.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.

Working here means you become part of a vision-driven team that’s ready to tackle challenges and build cutting-edge solutions. We value purpose, drive, and curiosity—and we thrive in a fast-paced, ever-changing environment. Whether in one of our offices in San Jose, CA, Draper, UT, or working remotely, BILLders collaborate to deliver real impact for businesses that need more time in their busy weeks.

At BILL, we listen, learn, and lead—fostering collaboration and a drive for continuous growth. We’re committed to building a diverse and inclusive workplace that values each person’s unique skills and experiences. Even if you don’t meet every requirement, we’d love to hear from you—you might be just what we’re looking for, whether in this role or another.

✨ Let’s give businesses more time for what matters.

Make your impact within a rapidly growing Fintech Company

Our payment risk teams are at the forefront of building key components for our risk platform to support our payment business. We work collaboratively with peer developers, product managers, designers, architects, data scientists, and various business partners to define and develop low-friction, high-precision fraud detection systems that protect our customers and vendors.

We are seeking a strong, passionate engineer to join our team. In this role, you will enhance our platform and protect our customers from potential fraud, which is critical to the livelihood of small and medium-sized businesses (SMBs), while also unlocking revenue growth.

We’d love to chat if you have:

• Bachelor’s degree in Computer Science, Engineering, or a related field.
• At least 10 years of experience in software engineering.
• Proven experience in leading the design and implementation of scalable SaaS applications in Java.
• Expertise in building and maintaining large-scale, high-volume, high-availability, low-latency systems.
• Strong understanding of security, compliance, and regulatory requirements.
• Demonstrated experience in the payment industry or in developing fraud detection applications.
• Proficiency in version control, code reviews, testing, and deployment automation.
• Ability to mentor and guide other engineers in best practices and advanced technical concepts.
• Familiarity with machine learning model integration and data pipeline design.
• Bonus: Experience in front-end or full-stack development.

#LI

The estimated salary  range for this role is noted below for our San Jose based role.  Our ranges for each role and job level are based on a variety of factors including candidate experience, expertise, and geographic location and may vary from the amounts listed above. The role is also eligible for a competitive benefits package that includes: medical, dental, vision, life and disability insurance, 401(k) retirement plan, flexible spending & health savings account, paid holidays, paid time off, and other company benefits.

What’s in it for you? 

Redefining how businesses automate their work is a fast-paced, exciting, and fun environment. But we also have benefits and perks to ensure the magic isn’t only experienced by our customers, but by our employees as well. 

Here is a preview of some of the amazing benefits here at BILL:

• 100% paid employee health, dental, and vision plans (choose HMO, PPO, or HDHP)
• HSA & FSA accounts 
• Life Insurance, Long & Short-term disability coverage
• Employee Assistance Program (EAP)
• 11+ Observed holidays and wellness days and flexible time off 
• Employee Stock Purchase Program with employee discounts
• Wellness & Fitness initiatives
• Employee recognition and referral programs
• And much more

Don’t believe us? Check out our culture, benefits, and teams on our career site, LinkedIn Life, or YouTube pages.

BILL is an Equal Opportunity Employer that values diversity and inclusion. We believe our best ideas come from the unique stories, perspectives, and experiences of our team members. We welcome people of all backgrounds, abilities, and identities to bring their authentic selves and contribute to our culture.

We are committed to a transparent, inclusive hiring process that reflects our values. If you need accommodations at any stage, please contact interviewaccommodations@hq.bill.com.

Our Applicant Privacy Notice describes how BILL treats the personal information it receives from applicants.