Senior Backend Engineer

EQ Bank

Job Location:

Toronto - Canada

Monthly Salary: Not Disclosed

Posted on: 30+ days ago

Vacancies: 1 Vacancy

Job Summary

Join a Challenger

Being a traditional bank just isnt our thing so we challenge ourselves to get creative in providing innovative banking solutions for Canadians.

How do we get there With a talented team of inquisitive and agile challengers that break through the status quo. So if youre passionate about redefining the future of bankingwhile having funthis could be your next big opportunity.

Our company continues to grow and today we serve more than 800000 customers acrossCanadathrough Equitable BankCanadasChallenger Bank and have been around for more than 50 years. Equitable Banks wholly-owned subsidiary Concentra Bank supports credit unions acrossCanadathat serve more than six million members. Together we have over$142 billionin combined assets under management and administration with a clear mandate to drive change in Canadian banking to enrich peoples customers have named our EQ Bank digital platform () one of the top banks in Canada on the Forbes Worlds Best Banks list since 2021.

Fraud engineering at EQ Bank isnt about adding more rules or process.

Its about designing systems that behave clearly predictably and responsibly as we growso we can protect customers while moving fast with confidence.

Our Fraud Engineering team builds the platform that protects customers across onboarding transactions account changes and money movement.

This role is focused on designing systems that make consistent fraud decisions under uncertainty not just implementing features
Engineers are expected to own services end-to-end across boundaries including behavior in production
Success is measured by clarity of system behavior not volume of features delivered

Core Responsibilities

Design and own backend fraud services endtoend: Own service architecture APIs data flows and production support for fraud decisioning systems across the customer lifecycle.

Define clear service boundaries and contracts: Improve system clarity through welldefined testable API and event contracts between channels and downstream fraud platforms.

Build scalable eventdriven fraud capabilities: Design and evolve realtime and asynchronous pipelines that enforce fraud and risk decisions reliably at scale.

Improve observability and explainability of fraud behavior: Make fraud outcomes traceable debuggable and understandable through runtime signals logging and metrics.

Enable safer more predictable rollout of new protections: Reduce coupling between fraud logic and release cycles to allow faster lowerrisk deployment of new controls.

Reason about failure modes and edge cases: Ensure systems behave predictably under partial failure latency or unexpected inputs.

Increase confidence in production behavior:Implement and evolve APIlevel testing and observability to validate realworld system behavior.

What You Bring

Strong backend engineering experience in production systems at scale.
Strong experience in a statically typed backend language (Java / Spring Boot preferred)
Experience building distributed event-driven systems
Proven ability to design clear APIs and durable data contracts
Comfort reasoning about system behavior under risk failure and edge cases
Ownership mindset across design deployment and production support
Experience making systems observable testable and predictable in production
Fraud experience is a plus but not required; experience building systems that must behave predictably under real-world conditions is essential

#INDE

What we offer For full-time permanent roles

Competitive discretionary bonus

Market leading RRSP match program

Medical dental vision life and disability benefits

Employee Share Purchase Plan

Maternity/Parental top-up while you care for your little one

Generous vacation policy and personal days

Virtual events to connect with your fellow colleagues

Professional development and comprehensive Career Development program

A fulfilling opportunity to join one of the top FinTechs and help create a new kind of banking experience

The incumbent will be working hybrid and in office time will be spent working from Equitable Banks additional office space located at 2200-25 Ontario Street Toronto ON.

Equitable Bank is deeply committed to inclusion. Our organization is stronger and our employees thrive when we honour and celebrate everyones diverse experiences and tandem with that commitment we support and encourage our staff to grow not just in their career path but personally as well.

We commit to providing a barrier-free recruitment process and work environment for all applicants. Please let us know of any accommodations needed so that you can bring your best self to the application process and candidates considered for hire must successfully pass a criminal background check and credit check to qualify for hire. While we appreciate your interest in applying an Equitable recruiter will only contact leading candidates whose skills and qualifications closely match the requirements of the position.

We cant wait to get to know you!

Required Experience:

Senior IC

Join a ChallengerBeing a traditional bank just isnt our thing so we challenge ourselves to get creative in providing innovative banking solutions for Canadians. How do we get there With a talented team of inquisitive and agile challengers that break through the status quo. So if youre passionate abo...