Senior Developer - Payments and Tokenization
Take a central role
The Bank of Canada has a vision to be a leading central bank—dynamic, engaged and trusted—committed to a better Canada. No other employer in the country offers you the unique opportunity to work at the very center of Canada’s economy, in an organization with significant impact on the economic and financial well-being of all Canadians. You will be challenged, energized and motivated to excel in our environment.
Building on the principles that have always guided us – excellence, integrity and respect – we strive to be forward-looking and innovative, to welcome people with diverse perspectives and talents, and to earn trust by living up to our commitments and by clearly explaining the intent of our policies and actions.
With our defined-benefit pension plan, benefits, and high flexibility for work life balance - find out more about why we are annually ranked as one of Canada's top employers: Working Here - Bank of Canada
Find out more about the next steps in our Recruitment process.
What you need to know
We are seeking an experienced Senior Developer to help design and deliver scalable, secure and practical technology solutions in payments, tokenisation, blockchain, digital assets and distributed ledger systems. In this role, you will collaborate closely with the Bank for International Settlements Innovation Hub (BISIH) in Toronto to advance and deliver on their strategic objectives.
You will tackle complex financial technology and payment challenges. You bring a collaborative mindset and play a key role in mentoring and guiding colleagues, strengthening team capabilities and fostering a culture of continuous learning.
The role involves working with a global innovation team, helping shape ideas and technical thinking, and delivering high-quality solutions that advance experimentation in payments, tokenisation, blockchain and distributed ledger systems.
What you will do
You will work collaboratively with our team to help design and deliver scalable, secure and practical technology solutions in payments, tokenisation, digital assets and distributed ledger systems:
- Develop technology solutions across payments, tokenization, digital assets, and distributed ledger systems
- Contribute to solution architecture and technical design for payment flows, settlement, tokenized assets, ledger integrations, smart contracts, wallets, and digital finance platforms
- Design, build, and maintain high-quality backend services, APIs, integration layers, and core platform components
- Develop prototypes and production-ready solutions to validate feasibility and support delivery
- Provide technical guidance on tooling, architecture, and implementation approaches, including the use of DLT where appropriate
- Collaborate with stakeholders to define requirements, solution options, implementation plans, and acceptance criteria
- Identify technical risks, performance issues, and architectural gaps early, and propose pragmatic solutions
- Produce clear technical documentation and communicate effectively with both technical and non-technical audiences
- Contribute to engineering best practices (code quality, testing, security, observability, and release discipline)
- Stay current on industry trends (payments, tokenization, blockchain, digital finance) and translate insights into actionable solutions
- Participate in workshops, technical discussions, and external engagements requiring technical leadership
- Foster a collaborative, delivery-focused team environment through ownership, knowledge sharing, and support
What you need to succeed
The successful candidate will bring strong analytical and problem-solving skills, sound judgment, and a pragmatic approach to innovation and delivery. They will be self-driven and able to work independently in evolving environments while collaborating effectively with multidisciplinary teams. They will demonstrate the ability to communicate complex technical concepts clearly and provide practical advice to stakeholders with varying levels of technical expertise.
The role requires curiosity and originality when tackling new technology challenges, balanced by the discipline to prioritise security, operational resilience, interoperability and real-world implementation considerations. The successful candidate will also be able to distinguish between genuinely valuable innovation and unnecessary technical complexity, contributing to sound technical decision-making where requirements may be evolving or not yet fully defined.
As for technical experience we are looking for:
- Proven experience as a Senior Software Developer (or similar), delivering complex solutions through hands-on engineering leadership
- Strong programming skills in one or more modern languages (e.g., Java, Kotlin, Go, C#, TypeScript, Python, Rust)
- Experience building secure, scalable, and reliable systems, including APIs, integrations, event-driven and distributed architectures
- Solid experience contributing to solution architecture and technical design (service interfaces, data models, integration patterns)
- Experience integrating applications with payment systems, cloud services, and enterprise platforms
- Strong understanding of security, privacy, identity, access control, and resilience within financial technology environments
- Deep knowledge of payments architecture, transaction flows, settlement processes, and messaging patterns
- Experience designing and integrating ledger-based solutions within payment and financial ecosystems
- Working knowledge of distributed ledger technologies (DLT), including tokenization, smart contracts, wallets/custody, and interoperability
- Demonstrated expertise in one or more domains: payments, tokenization, digital assets, DLT, smart contracts, market infrastructure, or regulated financial systems
- Experience working with external vendors, implementation partners or third-party technology providers.
Nice to haves:
- Experience with programming languages used in smart contracts including Solidity, Rust, Move or equivalent
- Experience with token standards, token lifecycle design, smart contract review, or controls supporting safe deployment of contract-based systems.
- Exposure to payment standards, market infrastructure standards or regulated financial technology environments.
- Experience in central banking, public-sector innovation, supervisory technology, fintech or financial market infrastructure environments.
- Some experience with cryptography, HSMs, key management, digital identity or privacy-enhancing technologies.
Your education and experience
A minimum bachelor’s in computer science, computer engineering or a related field with a minimum of 6 years of experience working in the payments or a related technology space. A combination of education and experience may be considered.
Innovative Mindset
We value candidates who demonstrate adaptability, curiosity, and a willingness to learn new technologies, including AI and digital tools. We seek individuals who can think critically about data, question existing processes, and find ways to simplify our work while embracing change and new ways of doing things.
Language requirement
The Bank’s work environment is conducive to the use of both of Canada’s official languages - English and French. Although the position language requirement is English or French essential, we do encourage everyone to improve their second language proficiency for future career growth and to contribute towards fostering a bilingual environment.
What you need to know
- Priority will be given to Canadian citizens and permanent residents
- Security level required: Be eligible to obtain Reliability
- There will be no relocation assistance provided
- Please save a copy of the job poster. Once the closing date has passed, it will no longer be available.
- The official title for this position is “Senior Developer, BIS Innovation Hub”
Hybrid Work Model
The Bank offers work arrangements that provide employees with flexibility, enable high-performing teams, and support an excellent workplace culture. Most employees can telework from home for a portion of each month as part of the Bank’s hybrid work model, and they are expected on site at the Bank location a minimum of 12 days per month to help build connections between colleagues. You must live in Canada, and within reasonable commuting distance of the office.
What you can expect from us
This is a great opportunity to join a leading organization and be part of a high-performing team. We offer a competitive compensation and benefits package designed to meet your needs at every stage of your life and career. For more information on key benefits please visit A great deal to consider.
- Salaries are based on qualifications and experience and typically range from $111,051 to $130,649 (job grade 17)
- The Bank offers an incentive for successfully meeting expectations at 7 to 10% of your base salary. The Bank offers additional performance pay (5%) for those who exceed expectations. Exceptional performers who far exceed expectations may be eligible for higher performance pay.
- Flexible and comprehensive benefits so you can choose the level of health and dental coverage that meets your needs
- Extra vacation days (up to five each year) that you can purchase to add to your vacation entitlement
- Option to join the indexed, defined-benefit pension plan after 24 consecutive months of service
We wish to thank all applicants for their interest and effort in applying for this position. Only candidates selected for interviews will be contacted.
