Principal Software Engineer, Money Movement

Questrade Financial Group (QFG), through its companies - Questrade, Questbank, Questrade Wealth Management, Community Trust Company, Zolo, and Flexiti, provides securities and foreign currency investment, professionally managed investment portfolios, mortgages, real estate services, financial services and more. We use cutting-edge technology to help Canadians become much more financially successful and secure. At QFG, we combine human-centric collaboration with AI-driven innovation to redefine financial services. The ideal candidate will be a catalyst for change, using AI to transform and deliver unparalleled customer experiences and shaping a future where AI empowers our teams to do their best work. Join our diverse, inclusive, and hybrid workplace to unleash your creativity and nurture your curiosity without limits. If you share this sense of infinite possibility, come shape your future at QFG. What’s in it for you as an employee of QFG? Health & wellbeing resources and programs Paid vacation, personal, and sick days for work-life balance Competitive compensation and benefits packages Work-life balance in a hybrid environment with at least 3 days in office Career growth and development opportunities Opportunities to contribute to community causes Work with diverse team members in an inclusive and collaborative environment This job posting is for an existing vacancy We’re looking for our next Principal Software Engineer, Money Movement. Could It Be You? QuestBank is connecting directly to Canada’s core payment rails and building the platform that moves money across the Quest ecosystem and across borders. The Senior Software Engineer, Backend owns the engineering behind that platform: Real-Time Rail, Interac e-Transfer, ACSS, Lynx, Bill Payments, internal transfers, and international corridors. This is also one of the first engineering roles at the Bank designed around an AI-driven SDLC. You lead a squad of AI agents covering architecture, development, QA, and tech lead functions, and you are the accountable engineer for everything they ship. You will define how this way of working operates here rather than inherit someone else’s process, and you will ship national payments infrastructure at a pace conventional teams cannot match. The role suits a technical leader who wants scope, ownership, and problems where correctness genuinely matters. Need more details? Keep reading… In this role, responsibilities include but are not limited to: Lead an AI Agent Squad: Set the operating model, task decomposition, context standards, and review gates for a squad of AI agents. Arbitrate conflicting outputs and hold the line on anything touching customer funds. You are the single accountable human for correctness, security, and production readiness. Own the Architecture: Define service boundaries, data models, messaging patterns, idempotency, and failure recovery for the money movement platform. Write the specification and acceptance criteria before code generation, and make the calls that cannot be delegated. Build the Domestic Rails: Deliver integrations across RTR, Interac e-Transfer, ACSS, Lynx, EFT and PADs, Bill Payments, and internal money movement. Own ISO 20022 messaging, clearing windows and cut-offs, exception and return handling, and cross-entity settlement. Build International Payments: Deliver cross-border capability including SWIFT correspondent messaging, wire initiation and repair, multi-currency ledgering and FX settlement, nostro and vostro reconciliation, and sanctions screening. Design for partner substitution rather than coupling to a single provider. Run What You Build: Engineer for 24/7/365 availability on real-time rails. Own SLOs, observability, end-to-end traceability, disaster recovery, and the automated test strategy the QA agent executes. Lead technical incident resolution. Engineer the Controls: Embed velocity limits, duplicate protection, AML triggers, audit trails, and data protection in the service layer. Produce the evidence risk, audit, and regulators require, and treat OSFI B-13, E-21, and B-10 and Payments Canada rules as design inputs rather than late-stage checks. Set the Standard: Work directly with product, operations, risk, treasury, and fraud partners, co-designing in the open rather than trading documents across a boundary. Agentic delivery surfaces requirement and control gaps faster than any handoff cycle absorbs them. Review human and agent-authored code, and raise the ceiling on what the squad can safely delegate So are YOU our next Principal Software Engineer, Money Movement? You are if you… Payments Domain Depth: Fluent reasoning about payment rails, settlement finality, clearing windows, message standards, funds availability, returns and reversals, and reconciliation. Demonstrated end-to-end delivery on at least one rail in production. Recognizes when a generated design is technically valid but wrong for the rail, and defends that judgment to product, operations, and risk. Experience: 5+ years of backend engineering with production ownership of high-volume transactional systems, including time as a tech lead, squad lead, or equivalent scope of technical accountability. Engineering Depth, Language Agnostic: Expert backend fundamentals that transfer across stacks: concurrency, transaction and state management, performance profiling, and the ability to read, critique, and correct unfamiliar code fast. In an agentic workflow the differentiator is judgment about generated code, not fluency in one language. Experience with C# and modern .NET is a nice to have, as the current estate is predominantly .NET, but strong Java, Go, or Kotlin backgrounds will not be screened out. AI-Driven Development: Production delivery using agentic coding tools, ideally Claude CLI. Working knowledge of context and specification design, MCP-based tool integration, agent evaluation, and human review controls. Distributed Systems: Deep grasp of idempotency, exactly-once and at-least-once semantics, event-driven architecture, sagas and compensating transactions, and consistency tradeoffs. Cloud and Delivery: Hands-on with Google Cloud and GKE, containers, Pub/Sub, infrastructure as code, CI/CD, and distributed tracing. Equivalent depth on another major cloud with a willingness to ramp is acceptable. APIs and Data: Strong REST and OpenAPI design, event contracts, and versioning. Solid relational database engineering with transaction isolation, schema evolution, and ledger and multi-currency concepts. Cross-Disciplinary Collaboration: Pulls the right people into a problem early, shares working artifacts before they are polished, and builds shared understanding of AI-driven delivery with teams that have not yet adopted it. Ownership: Treats agent output as their own work product and never ships what they cannot explain or defend. Pragmatic about pace in a regulated environment without using regulation as an excuse for slow delivery. Additional Kudos If You… Have experience in the financial services industry Compensation Information: Base salary range: $150,000 - $190,000 The final compensation package will be commensurate with the successful candidate's experience, skills, and geographic location (Canada). It includes a comprehensive benefits plan and a competitive incentive (bonus) program for Full-Time Permanent roles. Sounds like you? Click below to apply! At Questrade Financial Group of Companies, with multiple office locations around the world, we are committed to fostering a diverse, inclusive and accessible work environment. This is an environment where individuals are treated with dignity and respect. Here, the unique skills and experience you bring will be valued. You will be supported and motivated, so that you can harness your unlimited potential. Our team reflects the diversity of the communities we serve and operate in. Having a collaborative and diverse team helps us push boundaries to bring the future of fintech into existence—not only for the benefit of our customers, but for those who build their career with us. Questrade Financial Group of companies Applicant Tracking System utilizes artificial intelligence (AI) for application screening. The AI system operates on predetermined criteria, with final decisions subject to human review. Candidates selected for an interview will be contacted directly. If you require accommodation during the recruitment/selection process, please let us know and we will work with you to meet your needs.