Principal Software Engineer, Money Movement (Questbank)

Questrade Financial Group•Toronto, ON

1d•CA$150,000 - CA$190,000•Hybrid

About The Position

Questrade Financial Group (QFG) is seeking a Principal Software Engineer, Money Movement for QuestBank. QuestBank is building the platform that moves money across the Quest ecosystem and internationally, connecting directly to Canada's core payment rails. This role is unique as it's designed around an AI-driven Software Development Life Cycle (SDLC), where the engineer leads a squad of AI agents responsible for architecture, development, QA, and tech lead functions. The successful candidate will define this new way of working, aiming to deliver national payments infrastructure at an unprecedented pace. This position is ideal for a technical leader seeking significant scope, ownership, and the challenge of working on systems where correctness is paramount.

Requirements

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.
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.

Nice To Haves

Experience with C# and modern .NET
Experience in the financial services industry

Responsibilities

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.