Senior Software Developer, Financial Risk

Build something people love

Wealthsimple's mission is to help everyone achieve financial freedom – by making financial services simple, transparent, and low-cost. We're Canada's largest fintech, trusted by over 3 million clients with more than $100 billion in assets. We move fast, we own our work, and we care deeply about the people using our products. If that sounds like you, keep reading.

We're proud of what we've built — and we're just getting started. Read our Culture Manual and learn more about how we work.

About the Team

We build the products and infrastructure that millions of Canadians trust with their financial lives. Data & Engineering at Wealthsimple spans everything from the client-facing apps to the systems running underneath them — and we hold ourselves to a high bar on both. We move fast, but we build thoughtfully: quality, security, and scalability aren't trade-offs here, they're the standard. If you want to work on hard problems with people who care deeply about craft, you'll fit right in.

About the Role

Financial risk sits at the heart of what makes Wealthsimple trustworthy. The Financial Risk engineering team is responsible for the systems that protect our clients and our platform — from fraud detection to AML compliance to the client experience when things go wrong. It's technically complex, genuinely consequential work, and the team is growing to meet it.

You'll join a lean, high-ownership team and take on meaningful scope from day one — building fraud defences, client-facing resolution flows, and the internal tooling that keeps our operations team moving efficiently.

In this role, you'll have the opportunity to:

• Design and build fraud detection systems that protect clients and Wealthsimple from bad actors — across transaction monitoring, account behaviour, and beyond

• Own the client-facing experience for accounts affected by fraud restrictions, including self-serve resolution flows that get clients back on track as quickly and frictionlessly as possible

• Build and improve internal tooling that helps our operations team investigate and resolve fraud cases efficiently

• Develop risk-based product features — such as dynamic transaction limits — that reflect a client's actual risk profile

• Contribute to systems and processes that keep Wealthsimple compliant with anti-money laundering (AML) regulatory requirements

• Work closely with product, design, and operations partners to translate complex risk logic into experiences that feel simple to the people using them

What you bring:

• 4+ years of software engineering experience, ideally in a consumer-facing product environment

• Strong backend engineering skills, with a track record of building reliable, scalable systems

• Experience working on fraud detection, financial risk, or other high-stakes technical domains

• Comfort across the stack — you're as comfortable contributing to a client-facing flow as you are to the systems running underneath it; experience with Ruby on Rails or Kotlin is a strong asset

• Strong software quality practices: you write testable code, take production ownership seriously, and raise the bar in code review

• Clear communicator who can work effectively with non-engineering partners across operations, compliance, and product

• AI-first mindset. You leverage AI tools to accelerate development, improve code quality, and solve problems more effectively. You have already evolved your workflow through AI and are eager to continue innovating.

Nice to have:

• Experience with Apache Flink or other stream processing frameworks

• Familiarity with real-time data pipelines and event-driven architecture

• Experience with React Native

• Experience with Temporal for workflow orchestration

• Hands-on experience with AI-assisted development tools such as Claude Code or Cursor, including agentic workflows and MCP integrations

• Background in fintech, banking, or another regulated industry

Who you are:

• You take ownership end-to-end — from writing the code to making sure it works in production

• You're comfortable with ambiguity and operate well in a domain where the rules are real but the problems are rarely clean

• Detail-oriented without losing sight of the bigger picture — you care about correctness, but you also want the experience to feel right for the client on the other side of it

• Collaborative by default — you share context early, ask questions before you're stuck, and don't disappear into a hole for two weeks

• Curious about the systems you're building and the risks you're mitigating — not just the code, but the why behind it

Why Wealthsimple?

🌸 Top-tier health benefits and life insurance

📈 Long-term group savings with employer match, through Wealthsimple for Business

🌴 20 vacation days, 4 wellness days, and unlimited sick and mental health days per year

✈️ 90 days away: work outside Canada for up to 90 days per year

👥 Employee resource groups, including Rainbow (2SLGBTQ), Women of WS, and Black at WS

🌎 We are a hybrid team with over 1,500 employees across North America. The people are one of the best parts of working here: you'll collaborate with incredibly talented, curious, and driven teammates who are deeply committed to doing great work.

ICYMI

Technology & Innovation at Wealthsimple: We move quickly and build thoughtfully. That means we're always looking for better ways to work — whether that's new tools, AI, or rethinking how we approach a problem. We don't expect you to have all the answers, but we do expect curiosity and a willingness to evolve alongside the products we're building.

Inclusion Statement: We're building products for a diverse world, and we need a diverse team to do it well. We strongly encourage applications from everyone, regardless of race, religion, colour, national origin, gender, sexual orientation, age, marital status, or disability status.

Accessibility Statement: We're committed to an accessible hiring experience. If you need any accommodations throughout the interview process, please let us know — we'll work with you to make sure you have what you need. We also welcome any feedback on how we can better accommodate candidates with accessibility needs.

AI in Hiring: We may use artificial intelligence (AI) tools to support parts of our hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our team but don't replace human judgment – all final hiring decisions are made by people. If you have questions about how your data is used, reach out to us.