Senior Staff Software Engineer (BE) - Card Payments

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 By replacing outdated financial processes with innovative tools, we help businesses-from startups to established brands-make smarter decisions and gain control of their operations.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 The Card Payment teams are responsible for building enhanced capabilities for card issuing & processing in the cloud-based Bill.com Accounts Payables and Accounts Receivables platforms. You'll be working with peer developers , product managers, designers, architects, and your manager to create new product capabilities to grow and scale card payments for Bill. Enable customers to pay & get paid using streamlined card payment options from rapid to instant payouts across multiple channels. Our spotless & smart methodologies define solutions for effortless card payment CX. We are looking for a strong , passionate engineer to join us on an exhilarating journey to clock colossal payment volumes, build & ideate towards next-gen capabilities, & invent new revenue streams in the Card Issuing space. We'd love to chat if you have: 12 years of experience designing, developing and supporting complex distributed systems and microservices using Java, Spring Boot, Docker, Kubernetes Expertise in payment systems, PCI compliance, security, redundancy, fault tolerance, monitoring Experience in applying AI/ML techniques such as natural language processing, reinforcement learning, to build intelligent features and optimize systems Expertise with AWS cloud services (EC2, ECS, RDS, SQS, Lambda, API Gateway, CloudWatch) Design and develop backend services, REST APIs, messaging queues, databases, caching layers Implement CI/CD pipelines, infrastructure as code, automated testing, and observability. Optimize performance and scalability through caching, pagination, asynchronous processing, database tuning Modernize legacy codebases and transition monoliths to microservices, event-driven architecture Champion best practices around version control, code reviews, testing, deployment automation Architect solutions to meet security, compliance and regulatory requirements Mentor other engineers on design patterns, architecture decisions, and development practices 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. San Jose pay range $197,200-$246,500 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 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 interviewaccommodationshq.bill.com.