Senior Payment Reconciliation Analyst

Responsibilities

• Perform daily reconciliation of payment transactions within BILL's internal systems, ensuring accurate recording of funds across payment products (ACH, Check, Virtual Card, Wire, etc.)
• Apply a strong understanding of end-to-end payment lifecycles - from payment initiation and funding through settlement, clearing, and returns - to accurately identify where exceptions occur in the processing chain
• Research and resolve exception items thoroughly and in a timely manner, partnering with Payment Operations, Product, and Engineering teams to identify and remediate root causes of upstream issues
• Collaborate with Engineering and Product teams to define reconciliation requirements for new payment flows and system enhancements
• Document existing reconciliation procedures and make recommendations to improve or create new procedures as payment products and systems evolve
• Perform regular closing activities including journal entries and balance sheet reconciliations
• Auxiliary with the preparation of audit schedules, compliance reports, and ad hoc analyses; ensure internal controls are in accordance with SOX requirements
• Proactively identify opportunities to standardize, automate, and eliminate non-value-added activities within the reconciliation process
• Serve as a subject matter expert on payment reconciliation processes within your specialized area, providing guidance and training to team members

Requirements

• Bachelor's degree in Accounting, Finance, or a related field
• 3–5 years of experience in payment reconciliation, financial operations, or accounting in a high-volume transaction environment
• Deep understanding of end-to-end payment processing and payment lifecycles, including initiation, funding, settlement, clearing, returns (ACH R-codes, chargebacks), and reconciliation across multiple payment rails
• Credential knowledge of payment systems and exception handling across multiple payment methods (ACH, Check, Wire, Virtual Card)
• Hands-on experience with reconciliation tools such as Blackline Matching or similar platforms
• Proficiency in Excel (Pivot Tables, VLOOKUP, INDEX-MATCH, Power Query) and experience with SQL or data tools such as Alteryx or Tableau
• Strong critical thinking skills, ability to investigate complex issues, generate solutions to undocumented exceptions, and proactively identify remediation paths
• Excellent written and verbal communication skills, with the ability to explain complex payment issues clearly to cross-functional partners including Product and Engineering
• Proven ability to work independently with minimal oversight while keeping stakeholders informed
• Strong attention to detail and ability to prioritize and balance multiple tasks simultaneously in a fast-paced environment

Qualifications

• Experience in the fintech or financial services/banking industry preferred
• Experience with SOX controls and public company environments preferred

Skills

• Generative AI proficiency (optional, not required)

Benefits

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.

• Zone 1- San Francisco Bay Area CA (includes HQ), New York City, Seattle, Los Angeles County: $90,500—$108,200 USD
• Zone 2- CA (Non San Francisco Bay Area and Los Angeles County), Austin TX, Massachusetts: $81,400—$97,300 USD
• Zone 3 -Utah (includes Utah office), Houston TX, Florida, North Carolina: $76,900—$91,900 USD

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
• Employee Stock Purchase Program with employee discounts
• Wellness & Fitness initiatives
• Employee recognition and referral programs

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.