Senior Software Developer - Cards

About the role

Build something people love 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. 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.

What you'll do

• You'll bring strong technical judgment, a bias toward action, and a deep sense of ownership. You'll work closely with product managers, designers, and engineers to turn complex, high-stakes problems into simple, reliable experiences for millions of Canadians.
• 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; if you've built something from scratch before, that experience will go far here
• 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
• Work on core card infrastructure: card issuance, tokenization, authorization flows, BIN management, transaction processing, card lifecycle management, and dispute infrastructure
• 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
• Partner closely with Product and Design to clarify goals, surface trade-offs, and deliver outcomes — not just features
• 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