Senior Reconciliation Analyst

Senior Payment Reconciliation Analyst

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 By replacing outdated financial processes with innovative tools, we help businesses—from startups to established brands—make smarter decisions and gain control of their operations.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.

We are looking for a Sr. Payment Reconciliation Analyst to join our Payment Reconciliation & Ledgering team within Accounting. In this role, you will own daily reconciliation of payment transactions across BILL's payment products, research and resolve exception items, and partner closely with Payment Operations, Product, and Engineering to identify and fix upstream issues impacting payment accuracy.

BILL serves over 400K businesses and processes over $75B (30 million transactions) in quarterly payment volume through a variety of complex payment products. The ability to drive timely and accurate reconciliation is paramount to our continued growth and the seamless delivery of BILL's payment services. This role will be a key contributor to process improvement and automation efforts across the payment reconciliation lifecycle.

• 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 life cycles - 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
• Assist 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

We'd love to chat if you have:

• 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 life cycles, including initiation, funding, settlement, clearing, returns (ACH R-codes, chargebacks), and reconciliation across multiple payment rails
• Competent 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…