Senior Software Engineer, Card Solutions (Ontario)

Reap • Toronto, ON

10h

About The Position

As a Senior Software Engineer in the Card Engineering team, you’ll help build the foundation of Reap’s card platform—designing, developing, and operating services that power card transactions, fraud detection, card lifecycle management, and developer-facing APIs. You’ll be a key contributor in a high-ownership, cross-functional environment, working closely with product managers, designers, compliance, and other engineers. From authoring transaction workflows to implementing scalable event-driven services, your work will shape the core infrastructure used by clients, partners, and developers globally. This role is ideal for engineers who enjoy solving real-world financial problems at scale, care deeply about system correctness and resiliency, and thrive in fast-moving, collaborative teams.

Requirements

• 6+ years of software engineering experience, ideally in fintech, infrastructure, or platform teams
• Experience building backend systems in a typed language (e.g., TypeScript, Java, Go, etc.)
• Solid grasp of distributed systems concepts: async processing, retries, observability, eventual consistency
• Strong judgment in balancing correctness, performance, and maintainability
• Ability to collaborate in cross-functional teams and communicate technical tradeoffs effectively
• Comfortable working in a fast-paced, evolving product environment

Nice To Haves

• Experience in card networks, 3DS, PCI, tokenization, or chargeback systems
• Built systems involving compliance or regulatory constraints
• Familiarity with Reap’s stack: TypeScript, Node.js, NestJS, AWS
• Worked in high-growth startups or platforms with external APIs

Responsibilities

• Design and build backend services for card transaction processing, fraud detection, and/or card program management
• Contribute to system architecture and technical decision-making with a focus on performance, fault tolerance, and maintainability
• Collaborate with cross-functional stakeholders (Product, Risk, Finance, Compliance) to deliver robust, compliant financial systems
• Write clean, observable, and well-tested code in a service-oriented architecture
• Participate in code reviews, incident response, and ongoing reliability improvements
• Help evolve our engineering practices, tools, and system designs as we scale

Benefits

• Insurance coverage after probation
• Reap Card stipend
• Use of AI tools at work — and the space to learn, experiment, and grow with them
• A culture of innovation, inclusion, and continuous learning

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed