Software Developer III – Credit Risk Platform As a Software Developer III, you will design, develop, and enhance systems powering Moneris’ Credit Risk platform, supporting core business operations and decisioning. You’ll contribute to a platform that evaluates credit risk in a high‑reliability setting, where performance, accuracy, and scalability directly impact business outcomes. This role offers exposure to modern backend development using Java, Spring Boot, and cloud technologies, with opportunities to influence system design and architecture. You will work across the full software development lifecycle, from requirements through production delivery, collaborating with cross‑functional teams and stakeholders.
Location: Toronto, ON (in‑office collaboration with remote flexibility). You will report to the Manager, Software Development.
Compensation Salary Range: $85,000 – $119,000 plus variable or discretionary incentive components, including bonuses and commissions.
Responsibilities Design, develop, and maintain backend services supporting the Credit Risk platform.
Build and enhance RESTful APIs using Java and Spring Boot.
Analyze business requirements and translate them into scalable technical solutions.
Contribute to system architecture using layered and domain‑driven design principles.
Implement and maintain automated testing, including unit tests and test data strategies.
Collaborate with stakeholders to improve system performance and decisioning accuracy.
Support full SDLC, including code reviews, builds, deployments, and production support.
Mentor junior developers and contribute to code quality and engineering standards.
Required Qualifications Bachelor’s degree in Computer Science, Software Engineering, or equivalent work experience.
4+ years of experience in software development using Java (Java21 preferred).




Experience building applications with Spring Boot and RESTful API development.
Experience working with cloud platforms (Azure preferred; AWS or GCP acceptable).
Understanding of modern architecture patterns (layered, hexagonal, or domain‑driven design).
Experience with SQL and NoSQL databases.
Experience with unit testing frameworks (e.g., JUnit) and shift‑left development practices.
Experience working in Agile development environments.
Preferred Qualifications Experience in financial services or credit risk/adjudication systems.
Experience with Drools or similar business rules engines.
Experience with Azure Functions or serverless architecture.
Experience with testing and QA tools such as RestAssured, Mockito, and JaCoCo.
Experience with Spring Data JPA and enterprise data access patterns.
Experience with CI/CD pipelines and build tools such as Maven.
Benefits Comprehensive Total Rewards Program, including performance‑based bonuses, flexible benefits starting from day one, and your choice of a health spending account (HSA) or personal spending account (PSA).
Retirement planning support, with profit‑sharing programs including company match and a defined contribution pension plan.
Growth & development opportunities, including unlimited access to Coursera, mentorship programs, and an internal gig marketplace.
Holistic wellness support, with an Employee & Family Assistance Program, 24/7 virtual healthcare, and workplace wellness initiatives.
Flexibility that works for you, including hybrid work arrangements, a Work from Abroad program, and paid time off programs.
Recognition and rewards, with company‑wide recognition programs, exclusive banking perks from RBC & BMO, and access to great employee discounts.
EEO Statement We welcome and encourage applications from Indigenous peoples, people of colour, people with disabilities, people of all genders, sexual orientation and intersectional identities.

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📌 Software Developer III (Ontario)
🏢 Moneris Solutions
📍 Ontario