Senior Software Developer, Complex Accounts

Wealthsimple Technologies; Toronto; Hybrid; CAD 110,000 - 170,000; Full time

Benefits offered by this job

Health benefits

Employer matching savings

Holiday and wellness time

Global mobility options

Job summary

Wealthsimple Technologies in Canada seeks an experienced software engineer to build and evolve the systems that enable complex ownership accounts. You will model intricate ownership structures, work with compliance, and improve the account opening experience across mobile and web.

Join a fast-moving fintech team that emphasizes security, accuracy, and scale, with flexible hybrid work and opportunities to innovate with AI in everyday development.

Qualifications

• Minimum 5+ years of professional software development in backend and frontend.
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Responsibilities

• Build and evolve systems enabling businesses, joint owners, and families to open and manage accounts with Wealthsimple
• Design data models for complex ownership structures (corporations, co-owners, beneficiaries)
• Collaborate with compliance and operations to translate regulatory requirements into robust software
• Improve account opening experience across mobile and web to reduce friction
• Create tools to assist operations and handle unusual cases independently
• Share on-call duties and address root causes of recurring issues
• Incorporate AI tools as a core part of development while validating outputs
• Raise the technical bar via design/code reviews, documentation, and mentorship

Skills

5+ years experience

Full-stack development

Complex domain modeling

Regulated domain shipping

AI-first development

Effective communication

Tools

Ruby on Rails

React / React Native

TypeScript

KYC/KYB

Fintech experience

Job description

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 $169 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 team

The Complex Accounts team builds the accounts that don't fit a standard mould. We own how businesses, from sole proprietorships to corporations with layered ownership, open and manage their accounts with Wealthsimple, along with joint accounts and registered education savings plans (RESPs). As we expand into more account types, the list keeps growing. It's work where accuracy, security, and regulatory requirements are non-negotiable, and we partner closely with operations, compliance, design, and product to make complicated financial structures feel simple for the people using them. We’re part of Data & Engineering, where quality, security, and scalability are the standard, not trade-offs.

In this role, you'll have the opportunity to:

• Build and evolve the systems that let businesses, joint owners, and families open and manage accounts with Wealthsimple
• Design data models for complex ownership — corporations, co-owners, and the people behind them
• Work with compliance and operations partners to turn regulatory requirements into reliable, well-tested software
• Improve the account opening experience across mobile and web, removing friction wherever clients get stuck
• Build tools that help our operations teams serve clients faster and handle unusual cases on their own
• Share on-call responsibilities and fix the root causes of recurring issues
• Use AI tools as a core part of how you build, and help shape how the team works with them
• Raise the technical bar through design reviews, code review, documentation, and mentorship

Skills you bring:

• 5+ years of professional software development, with depth in back-end systems and a track record of shipping production systems that clients and teams depend on
• Full-stack experience: you’re as comfortable contributing to a client-facing flow on web or mobile as you are to the services running underneath it
• Experience modelling complex domains and designing systems that handle sensitive data, including authentication, fine-grained authorization, and auditability
• A track record of shipping in a regulated domain alongside compliance or operations partners
• An AI-first development workflow that doesn’t compromise on rigour: you use agentic tools day to day and know how to verify their output before it reaches production
• Clear communication: you can explain a technical trade-off to engineers, compliance partners, and leadership alike

Nice-to-have's:

• Experience with Ruby on Rails, React / React Native, or TypeScript
• Familiarity with KYC/KYB processes, including business verification and beneficial ownership
• Knowledge of Canadian business structures (corporations, trusts, partnerships) or registered accounts like RESPs
• Experience at a fintech or financial services company

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.
• *Unlimited paid sick days, Wellness Days and the 90 day away program do not apply to certain roles.

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.