Senior Payment Reconciliation Analyst

Role Description

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.

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
• 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

Qualifications

• 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
• 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 Alteryx or Tableau
• Experience leveraging AI tools (e.g., Claude, Gemini, Glean) to accelerate research, automate workflows, and surface insights from large datasets
• 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

Requirements

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

Benefits

• 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