Senior Staff Software Engineer - Payments 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 By replacing outdated financial processes with innovative tools, we help businesses—from startups to established brands—make smarter decisions and gain control of their operations.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 in a remote-eligible role, BILLders collaborate to deliver real impact for businesses that need more time in their busy weeks. BILL builds high performing teams and we seek to hire the best talent for every role. We're committed to building a workplace that fosters inclusion and diverse perspectives, valuing each person’s unique skills and experiences. 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 Join BILL's Risk Engineering organization as a Senior Staff Software Engineer and take on some of the most consequential technical challenges in fintech. Our Risk Engineering team builds the platforms that protect hundreds of thousands of SMBs from financial harm, owning the risk decisioning infrastructure, onboarding compliance systems, access control frameworks, and real-time signal processing pipelines that operate across payment, lending, and spend products. The team sits at the intersection of security engineering and financial risk, where the decisions you build into software directly affect whether a small business can trust BILL with their money. In this role, you will drive the technical vision and delivery of risk platform services with a security-by-default, platform-first mindset, from real-time decisioning engines and onboarding compliance workflows to privileged access controls and cloud security infrastructure in AWS. You will partner closely with Product, Data Scientists, Compliance, Risk Strategy and Infrastructure teams to turn complex fraud, regulatory, and identity signals into reliable, low-latency systems. A key part of this role is elevating engineering excellence by embedding AI-assisted workflows into design, testing, and development cycles to accelerate team velocity and code quality. This is hands-on technical leadership: you will not only define strategy but deliver production systems that raise the platform and security bar across the enterprise. 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. Set the technical vision for cross-product onboarding and compliance platforms, establishing extensible patterns that support new customer types, products, and global geographies while meeting diverse regulatory 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. Collaborate with data science teams to operationalize machine learning models for fraud detection and risk scoring, designing integration patterns that move models from research to production with appropriate observability, auditability, and controls. 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. We'd love to chat if you have: 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. Hands-on experience implementing access control systems, including RBAC, privileged access management, or authentication and authorization frameworks in large-scale SaaS or cloud-native environments. Experience deploying and securing applications in AWS, with working knowledge of cloud security controls, IAM policies, and infrastructure hardening practices. Demonstrated track record leading large technical initiatives across engineering, compliance, and executive audiences in ambiguous, high-growth environments. Experience leveraging AI tools to meaningfully improve engineering delivery speed, code quality, or team workflows at an individual or organizational level. Has shipped an AI-powered feature to production and owned its reliability/monitoring Applying AI in risk, fraud, or compliance contexts — model-assisted decisioning, anomaly detection, or human-in-the-loop review workflows Desired Qualifications: 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. Familiarity with financial compliance and regulatory frameworks relevant to payment, lending, or onboarding risk, including KYC/KYB, BSA/AML, or transaction monitoring. Please note that this position is not eligible for visa sponsorship. Applicants must have authorization to work in the United States without requiring visa sponsorship now or in the future. 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 below. 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. The estimated salary ranges noted below roles in the specific geographic zones Zone 1: San Francisco Bay Area CA (includes HQ), New York City, Seattle, Los Angeles County $206,900—$258,700 USD Zone 2: CA (Non San Francisco Bay Area and Los Angeles County), Austin TX, Massachusetts $186,200—$232,800 USD Zone 3: Utah (includes Utah office), Dallas TX, Houston TX, Florida, North Carolina, Illinois, Colorado, Arizona, Georgia, Oregon, Pennsylvania $175,900—$219,900 USD 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. 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. To ensure a fair evaluation, our Candidate Integrity Policy prohibits the use of unapproved external assistance, including generative AI, during live interviews or assessments. Doing so will result in a review and potential disqualification. Our Applicant Privacy Notice describes how BILL treats the personal information it receives from applicants.