Senior Software Developer (Financial Risk)

Join Wealthsimple, a leading fintech company, as a Senior Software Developer in the Financial Risk engineering team. You'll be responsible for building fraud detection systems, improving client-facing experiences, and developing risk-based product features. You'll work closely with product, design, and operations partners to create simple experiences from complex risk logic. Enjoy a range of benefits, including retirement savings matching, company equity, paid parental leave, and top-tier health benefits.

• Design and build fraud detection systems that protect clients and Wealthsimple from bad actors, including transaction monitoring and account behavior.
• 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, and contribute to systems and processes that keep Wealthsimple compliant with anti-money laundering (AML) regulatory requirements.
• 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
• Strong backend engineering skills, with a track record of building reliable, scalable systems
• 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
• Experience working on fraud detection, financial risk, or other high-stakes technical domains
• Clear communicator who can work effectively with non-engineering partners across operations, compliance, and product
• 4+ years of software engineering experience, ideally in a consumer-facing product environment
• 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
• Collaborative by default — you share context early, ask questions before you're stuck, and don't disappear into a hole for two weeks
• 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
• You're comfortable with ambiguity and operate well in a domain where the rules are real but the problems are rarely clean
• Curious about the systems you're building and the risks you're mitigating — not just the code, but the why behind it
• You take ownership end-to-end — from writing the code to making sure it works in production