Senior Software Engineer, Credit Risk

Based in Canada and headquartered in Toronto, Paramount Commerce is a fintech company focused on making payments simpler and more secure. We’ve been helping reshape online payments since the early 2000s, enabling people to pay directly from their bank accounts, without relying on credit cards or e-wallets.
As a proud member of Payments Canada, we’re deeply connected to the evolving financial landscape, helping ensure our solutions remain compliant, reliable, and future ready. Security, risk management, and data integrity are at the core of everything we build, and we power payment solutions that are seamless, thoughtfully designed, and built to scale.
As we continue to grow our business across Canada and prepare for expansion into new markets, we’re looking for curious, thoughtful, data driven individuals who enjoy directly solving complex problems themselves and pushing ideas from concept to execution, in a rapid iterative environment with highly capable peers. If you’re excited about building the future of payments - and want to be part of a team that’s shaping what’s next - we’d love to hear from you.
We're on the lookout for a Senior Software Engineer to join our Risk Engineering Team. Our Risk team sits at the heart of our payments platform, responsible for protecting our customers from financial fraud, ensuring compliance with the regulatory bodies that oversee our financial partners, and making high confidence decisions in real time as money moves through the system. We’re building the next generation of our risk platform: low-latency orchestration + configurable rules + event-driven auditability.
As a Senior Software Engineer on the Risk team, you’ll help design and build the systems that analyze every transaction as it happens, validating bank accounts, screening for sanctions, detecting fraud, and identifying money laundering and layering patterns. This is complex, high impact work that blends distributed systems, data-driven decision making, and deep levels of responsibility and ownership.
The systems you build won’t just process data, they’ll actively prevent financial crime, safeguard our platform, and enable secure, compliant payments at scale.
You’ll own meaningful parts of our real time risk platform end to end, from early ambiguity and technical design through implementation, deployment, and iteration. Risk Scoring & Orchestration: designing low latency systems end to end with parallel checks, strict timeouts, fail open behavior, and safe cancellation semantics.
Rule Engine Foundations: building configurable rules, evaluation strategies, test modes, and merchant specific logic.
Risk Signals & Checks: implementing name matching, sanctions and negative lists, third-party fraud checks, and device/IP/location signals.
Event Pipelines & Audit Trails: ensuring reliable event production using patterns like outbox, with strong consistency and no silent drops.
Performance & Reliability: improving p95/p99 latency, handling backpressure, retries, idempotency, and hardening systems for production incidents.
Production Ownership: building and operating services (primarily Golang & Kubernetes based), adding observability that answers real questions, and sharing on-call responsibility.
Collaboration & Influence: partnering closely with Product, Data, and Risk stakeholders to ship iteratively, mentor teammates, and drive thoughtful technical decisions.
AI-Assisted Development: using AI tools to accelerate understanding and validate assumptions, while maintaining strong engineering judgment.
BigQuery as the analytics warehouse (risk insights, reporting, model evaluation)
React + Microfrontends for self-serve/configuration/investigation tools
CI/CD and multi-cloud (AWS/GCP)
In your first 30–60 days, you’ll ship a real production feature and take ownership of a subsystem with clear metrics (latency/error categories/event delivery). We’re looking for a senior engineer who combines strong technical depth with sound judgment, ownership, and collaboration. Strong in Go skills, including building services with concurrency, timeouts/cancellation, and clean APIs

• Kubernetes and production operations experience (deployments, rollouts, troubleshooting, resource tuning).
• Solid distributed systems fundamentals retries, idempotency, backpressure, failure modes, and safe degradation (fail-open vs fail-closed)
• Solid data modeling + SQL (Postgres), with disciplined schema evolution, migrations, and validation
• Observability-first approach, can design and use metrics/logs/tracing to debug issues and improve p95/p99 performance (Grafana/Prometheus or equivalent)
• Comfortable with CI/CD pipelines and automated testing; you ship iteratively and safely (feature flags, progressive rollout, strong PR hygiene)
• Production ownership, willing to participate in on-call rotation, contribute to incident response, and drive root-cause fixes
• Ability to use AI tools to support exploration, code comprehension, and validation, without outsourcing critical thinking
• Can balance speed, quality, and complexity, and make thoughtful decisions in ambiguous situations
• Payments / fraud / risk / compliance experience

Performance profiling and optimization (latency and allocations)
Experience building internal tooling or configuration heavy platforms (rules/workflows)
We move fast, ship in small increments, and use production feedback loops to improve. If you’re someone who enjoys high ownership with strong alignment on outcomes, you’ll have autonomy to propose and drive architecture decisions, crisp communication and practical delivery, you make and work well in an AI driven environment, then you’ll fit right in.

Why Paramount Commerce?
Competitive salary
Generous defined vacation benefits + summer fridays
Health & dental benefits
Wellness spending account
Retirement savings matching plan
Remote first environment
Quality hardware provided to do your work
Parental leave top up program
Quarterly socials
Volunteer days to give back to our community
The base salary range for this full-time position is $145,000 - $190,000 CAD.
Final compensation will be dependent on experience, skillset, and role related qualifications, and will include benefits and bonus as per company policy. Please note that base salary ranges may differ based on location and local currency.
We use technology assisted tools, including artificial intelligence, to support parts of our recruitment process (such as resume screening, note taking, and interview scheduling). Accommodations are available on request for candidates taking part in all aspects of the recruitment process.