Job Description
Join a Challenger
Being a traditional bank just isn’t 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 you’re passionate about redefining the future of banking—while having fun—this could be your next big opportunity.
Our company continues to grow, and today we serve more than 800,000 customers across Canada through Equitable Bank, Canada’s Challenger Bank™, and have been around for more than 50 years. Equitable Bank’s wholly-owned subsidiary, Concentra Bank, supports credit unions across Canada that serve more than six million members. Together we have over $142 billion in combined assets under management and administration, with a clear mandate to drive change in Canadian banking to enrich people’s lives. Our customers have named our EQ Bank digital platform (eqbank.ca) one of the top banks in Canada on the Forbes World’s Best Banks list since 2021.
Fraud engineering at EQ Bank isn’t about adding more rules or process.
It’s about designing systems that behave clearly, predictably, and responsibly as we grow—so 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.
As our systems scale in complexity, we’re investing in:
• clearer service ownership
• well‑defined, testable contracts
• observable and explainable runtime behavior
• safer, more predictable rollout of new protections
This role is for a backend engineer who enjoys reasoning deeply about system behavior—especially under risk, failure, and edge cases—and who wants to own services end‑to‑end.
Core Responsibilities
Design and own backend fraud services end‑to‑end: 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 well‑defined, testable API and event contracts between channels and downstream fraud platforms.
Build scalable, event‑driven fraud capabilities: Design and evolve real‑time 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, lower‑risk 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 API‑level testing and observability to validate real‑world system behavior.
What You Bring
Strong backend engineering experience (Java preferred) in production environments
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 improving observability, testing, and runtime confidence
Fraud experience is a plus—but not required; experience building systems that must behave predictably 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 Bank’s 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 everyone’s diverse experiences and perspectives. In 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 beyond. All 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 can’t wait to get to know you!
