Senior Software Developer, Business Banking

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 $125 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 Business Banking Team

The Business Banking team is building the financial backbone for Canadian small businesses on Wealthsimple. We're taking the trusted, simple, and powerful experience our 3M+ clients love and extending it to entrepreneurs, founders, and operators who deserve better than the status quo of Canadian business banking. From multi-user account access to expense management to the payment rails that move money in and out of businesses every day, we own the products and infrastructure that make Wealthsimple a serious option for how businesses bank.

Business banking is one of the most exciting growth bets at Wealthsimple. We're early enough that the technical and product decisions you make will shape the domain for years to come, and established enough that your work ships to real businesses on day one. Businesses come with their own set of complex rules, regulatory considerations, and operational realities and that complexity is exactly what makes the work rewarding.

As a senior member of this team, you'll work across our stack to take features from 0 → 1 and then scale them from 1 → n, partner closely with teams across the Banking domain and the broader organization, and help shape what business banking at Wealthsimple looks like as we grow it into one of our flagship offerings.

In this role you'll have the opportunity to:

• Take ownership of a domain and grow it. Business banking is in a stage where the right senior engineer can have an outsized influence on what we build, how we build it, and where we go next. You'll own meaningful slices of the product end-to-end, partnering with product and design to ship features that real businesses depend on.

• Work across the full stack on high-impact features. Our team owns feature development from frontend to backend. You'll build Ruby services that handle the core business logic, money movement, and integrations, while also shipping React and React Native experiences that businesses interact with daily. Whether you lean frontend or backend, you'll be expected to contribute meaningfully across the stack.

• Solve complex, high-stakes problems. Businesses operate under their own set of rules such as different regulatory requirements, different account structures, different money movement patterns, different fraud and risk profiles than retail clients. You'll design systems that handle this complexity reliably while keeping the client experience simple.

• Act as a technical leader within the domain. Influence architecture decisions, raise the bar on code quality and operational excellence, mentor teammates, and help define the technical strategy for business banking. As the domain grows, you'll be one of the people others look to for context, judgment, and direction.

• Leverage AI-centric workflows to ship faster and safer. Wealthsimple invests heavily in AI tooling for engineers, and we expect senior developers to push the frontier of how we use these tools to deliver production-grade software. You'll experiment with new workflows, share what works, and help establish patterns that the rest of the team can build on.

• Drive process and engineering excellence. Senior engineers on our team don't just ship features, they identify what's slowing the team down and fix it. You'll help evolve how we plan, build, review, deploy, and operate, partnering with your engineering manager to make the team measurably better over time.

• Collaborate across the Banking domain and Wealthsimple. Business banking sits at the intersection of cash movement, identity, compliance, fraud, and the core banking platform. You'll work closely with engineering, product, compliance, operations, and risk teams to deliver a best-in-class experience for our 30K+ Business clients.

What you'll bring:

• 5+ years of professional software engineering experience, with a track record of shipping production systems that real users or businesses depend on. You've operated as a senior contributor on a team and understand what it takes to deliver reliably in a complex domain.

• Full-stack or backend-leaning experience. Our primary backend stack is Ruby on Rails, and Kotlin or Java experience is a strong nice-to-have. If your background is in a different language, we're still interested. At the end of the day what matters is depth, judgment, and a genuine willingness to ramp up on our stack.

• Comfort working across the stack. Our frontend is React and React Native. You don't need to be equally strong on both sides, but a willingness to work across frontend and backend is required for this role. We have a strong frontend bench, so backend depth is especially valuable for balance.

• An AI-first development workflow that doesn't compromise on rigor. You've moved beyond using AI as autocomplete and into genuinely agentic workflows across the full development lifecycle: building, testing, reviewing, and reasoning about security in the software you ship. You're fluent with these tools and are constantly finding new ways to push their limits, while also bringing the engineering judgment to know when the model is wrong, where the risks are, and what level of verification a change actually needs before it touches production. You're excited to help establish what excellent AI-assisted engineering looks like on our team.

• A maker-owner mindset. You're looking for a place where you can plant a flag, take ownership of a growing area, and shape it over time. You're motivated by the opportunity to grow business banking from where it is today into something significantly larger as opposed to just by shipping the next ticket.

• Excitement for complex, high-impact problems. You're energized by the messiness of regulated financial products. The rules, the edge cases, the reconciliation, and the reliability requirements that come with moving real money for real businesses. You see complexity as a problem worth solving well, not a reason to look elsewhere.

• Technical leadership and mentorship instincts. You raise the bar through your code, your reviews, your design documents, and the way you support your teammates. You enjoy growing other engineers and have experience doing it.

• A bias toward driving improvement. You notice when something isn't working, a process, a system, a piece of infrastructure and you do something about it. You’re able to collaborate effectively with both technical and non-technical stakeholders and work with teammates to prioritize and ship those improvements alongside product work.

• Strong cross-functional collaboration. You communicate clearly with product, design, compliance, operations, and partner engineering teams. You build trust, navigate trade-offs constructively, and know how to drive alignment in a regulated environment where the right answer often involves multiple stakeholders.

Why Wealthsimple?

🌸 Top-tier health benefits 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

✈️ 90 days away: work outside Canada for up to 90 days per year

👥 Employee resource groups, including Rainbow (2SLGBTQ), Women of WS, and Black at WS

🌎 We are a hybrid team with over 1,500 employees across North America. The people are one of the best parts of working here: you'll collaborate with incredibly talented, curious, and driven teammates who are deeply committed to doing great work.

ICYMI

Technology & Innovation at Wealthsimple: We move quickly and build thoughtfully. That means we're always looking for better ways to work — whether that's new 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.

Accessibility Statement: We're committed to an accessible hiring experience. If you need any accommodations throughout the interview process, please let us know — we'll work with you to make sure you have what you need. We also welcome any feedback on how we can better accommodate candidates with accessibility needs.

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. These tools assist our team but don't replace human judgment – all final hiring decisions are made by people. If you have questions about how your data is used, reach out to us.