Senior Software Developer - Cards

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 .

About the role

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. This is not a features-on-top-of-a-BaaS role. 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. You'll work closely with product managers, designers, and engineers to turn complex, high-stakes problems into simple, reliable experiences for millions of Canadians.

What you'll do

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

What you bring

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

Comfort with ambiguity and greenfield work — you've built something from 0→1 before and thrive in an environment where not everything is defined yet

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