Senior Software Engineer

Wise is a global technology company, building the best way to move and manage the world’s money.
Min fees. Max ease. Full speed.

Whether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their lives easier and save them money.

As part of our team, you will be helping us create an entirely new network for the world's money.
For everyone, everywhere.

More about our mission and what we offer.

It's an Exciting Time to Join Wise in NYC

We are thrilled about the growth we are experiencing at Wise. We're scaling rapidly, tackling some of our biggest product challenges, and building out the teams that will define the future of money for millions of customers in the US, Canada, and beyond. If you're passionate about solving complex problems at scale and want to make a tangible impact from day one, there’s no better time to join us.

As a Senior Software Engineer, you won't just be writing code; you'll be building the future of international finance. You'll join one of our core product engineering teams, taking ownership of critical systems that empower millions of people and businesses to move, spend, and manage money more easily and affordably.

Our teams in NYC are at the forefront of innovation for our largest markets. You could be working on anything from a customer's very first transfer to the complex backend systems that move billions of dollars securely and efficiently every day. This is a chance to have a massive impact, driving projects that directly influence our growth, customer experience, and bottom line.

Meet a Few of Our Teams 

This advertisement represents openings across several of our core teams. While you'll interview for a general Software Engineer role, your work could fall into one of these crucial areas:

• Money Movement: This team is the engine for our North American customers. You'll build and maintain the highly scalable and resilient systems that facilitate USD and CAD transfers. The focus is on integrating with banking partners, automating workflows, reducing risk, and developing new features for USD, the biggest currency at Wise.

• Wise Account: This team builds the foundational infrastructure that lets millions of customers hold, manage, and spend money in over 40 currencies. They own the MCA for USD and CAD detail. You will develop our Interest and Assets product, allowing our customers grow their money.

• First Transfer Experience: This team is obsessed with growth and new customer journey. You'll work to improve the send money conversion rate for new US customers by clarifying our product proposition, streamlining the onboarding funnel, and experimenting with promotional pricing. This team does it all, from making our home page better, creating a more seamless onboarding flow, to ease of payment finalization.

• Direct Debit Experience: This team owns the health and experience of critical payment methods like ACH (USD) and EFT (CAD). This team handles the payment method which is responsible for more than 75% of Wise’s USD volume. You will tackle challenges across the full lifecycle of a direct debit payment—from the front-end flow for connecting a bank account to the complex backend decisions around fraud detection, chargeback prevention, and payment speed.

Here's what you'll be doing:

• Design, build, and maintain reliable, scalable software solutions using Java, Spring Boot, and RESTful services.

• Take ownership of complex problems, from optimizing a high-traffic onboarding flow to engineering the backend logic for fraud detection or payment routing.

• Work closely with product managers, analysts, and operations teams in a cross-functional, autonomous environment to prioritize and deliver customer-centric projects.

• Champion high engineering standards, mentor other engineers, and drive technical discussions through thoughtful code reviews and architectural design sessions.

• Utilize Docker and Kubernetes for deployments and enhance our development process with robust CI/CD pipelines (e.g., GitHub Actions, Gradle).

• Engage in query optimization and schema design for relational databases like PostgreSQL and MySQL to ensure data is processed efficiently and reliably.

• Apply your knowledge of distributed systems and integration patterns to build solutions that are resilient, scalable, and easy to maintain.

• You take ownership of and drive the technical roadmap for the team, ensuring alignment with overall goals.You bring strong architecture and software design skills, contributing effectively to system designs.

• You serve as a champion for best practices and innovation in technology.

• You have experience in a lead role at other companies and can provide strong, reasoned opinions to drive projects forward.

Please Note:

Proficiency in Java, Spring Boot, and RESTful services is essential. Familiarity in front-end development using React and caching solutions like Redis and Caffeine is beneficial. Additionally, willingness to travel and collaborate with team members in different global offices is expected.

What We Offer:

• RSU's in a rapidly growing company + 401k with up to a 4% match 

• Medical, dental, & vision insurance – including Life Insurance, Short & Long-Term Disability, and an EAP program

• Flexible working model – a mix of working from home and from the office

• 25 days PTO, 15 sick days, 11 holidays, 5 compassionate leave days, 3 paid “Me” days and a paid volunteer day, annually

• A paid 6-week sabbatical leave after four years + 18-weeks of paid parental leave, after a year with us

• Relocation expenses covered

• Click HERE for more info on our benefits in New York City 

For everyone, everywhere. We're people building money without borders  — without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive.

We're proud to have a truly international team, and we celebrate our differences.
Inclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers.

If you want to find out more about what it's like to work at Wise visit Wise.Jobs.

Keep up to date with life at Wise by following us on LinkedIn and Instagram.