Wealthsimple is Canada’s leading financial innovator. The company offers a full suite of simple, sophisticated financial products across managed investing, do-it-yourself trading, cryptocurrency, tax filing, spending and saving. Wealthsimple currently serves more than 4 million Canadians and holds over $155 billion in assets under administration.

The company was founded in 2014 by a team of financial experts and technology entrepreneurs, and is headquartered in Toronto, Canada. As a Senior Software Developer on the Cards team, you'll own meaningful slices of the card stack end to end — from card issuance and authorization through transaction processing, disputes, rewards, and card lifecycle management. We're building card infrastructure in-house, and the person we hire will be able to say they built it.

You'll bring strong technical judgment, a bias toward action, and a deep sense of ownership. Shape and own greenfield work in a space that's still early for Wealthsimple — our card program is still in its early years and there's significant greenfield building ahead; Own complex, end-to-end projects across the card stack — from technical design through implementation, launch, and iteration Build and improve the backend systems that power our card products, with a focus on reliability, performance, and correctness Make thoughtful architectural decisions and help the team balance speed, quality, and scale — influence what we build, how we build it,



and where we go next Build with the reliability and observability standards that card journeys demand — a declined tap or a poorly handled dispute is felt immediately by our members Leverage AI-centric workflows to ship faster and safer — we invest heavily in AI tooling and expect senior engineers to push the frontier of how we use these tools Raise the technical bar through design reviews, code reviews, documentation, pairing, and mentorship Help create a team culture where people communicate clearly, learn quickly, and take ownership together 5+ years of professional software engineering experience and a track record of shipping production-grade systems that real users depend on ~ Experience building and owning backend systems in a payments, card, or financial services environment — ideally with direct exposure to card issuance, authorization, payment rails, or card lifecycle management ~ Strong backend engineering fundamentals — you understand how money moves, how systems fail, and how to build for correctness at scale ~ A maker-owner mindset: you're looking for a place to plant a flag, take ownership of a growing domain, and shape it over time — motivated by building the best card program in Canada, not just shipping the next ticket ~ An AI-first development workflow that doesn't compromise on rigour — you've moved beyond AI as autocomplete into genuinely agentic workflows, and bring the engineering judgment to know when the model is wrong ~ Product judgment: you care about the member problem, can simplify complexity,



and know when to iterate versus when to invest for the long term ~ Technical leadership and mentorship instincts — you raise the bar through your code, your reviews, your design documents, and the way you support your teammates ~ Experience working directly with card networks or card processors — on either side of the integration Experience building card infrastructure in-house rather than on top of a BaaS platform Ruby on Rails or experience in a comparable backend language — Ruby is helpful but not a requirement; React and/or React Native experience Top-tier health perks 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 Employee resource groups, including Rainbow (2SLGBTQ), Women of WS, and Black at WS Technology & Innovation at Wealthsimple: That means we're always looking for better ways to work — whether that's recent 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.

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. If you have questions about how your data is used, reach out to us. #

📌 ▷ Urgent: Software engineer senior H/F (Toronto)
🏢 Wealthsimple Technologies
📍 Toronto