---
title: 'Senior Software Engineer II, Multiple Teams at Relay'
canonical: 'https://feeny.ai/job/senior-software-engineer-ii-multiple-teams-relay-toronto-gd9fa4rx64ck'
type: 'job'
last_seen: '2026-10-13'
---

# Senior Software Engineer II, Multiple Teams at Relay

- **Company:** Relay
- **Location:** Toronto, Canada
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-10-05
- **Last confirmed live:** 2026-10-13
- **Apply:** https://jobs.ashbyhq.com/relayfi/2e055eb4-9445-49cd-9980-7bbe4f2e0837

## Job description

Relay is a digital banking platform that gives self-made business owners the tools and know-how to be great with money—bringing clarity, confidence, and control to every dollar earned, so they can turn hard work into lasting success. We do this by replacing financial guesswork with real visibility, transforming cash flow from a constant source of stress into a clear signal owners can use to run stronger, more resilient businesses.

Our Engineering team is at the heart of building banking products that help millions of small businesses succeed. We're on a journey to reinvent banking, and we're looking for Senior Software Engineer II to help set the technical direction for how we get there. You'll take on our highest-risk, most ambiguous work, spot the problems that matter before anyone assigns them, and bring teams together around solutions that move the business forward.

This is a unique opportunity to shape architecture across interconnected systems, raise the engineering bar beyond your own team, and grow the next generation of technical leaders at Relay. If you're excited about building best-in-class fintech products and multiplying your impact through others, this is the role for you.

## What You'll Be Doing

- Technical Direction: Lead architecture and the highest-risk work across interconnected systems, and set practical standards for quality, reliability, security, and maintainability
- Cross-Team Delivery: Own ambiguous, cross-team initiatives from problem definition through measurable outcomes by setting priorities, resolving dependencies, and keeping execution moving
- Product Judgment: Find important problems before they're assigned, and tie technical decisions to customer needs, business priorities, cost, and risk
- Cross-Team Influence: Align teams with different priorities using context, evidence, and sound judgment rather than formal authority
- Organizational Improvement: Create practices, tooling, documentation, and guardrails that improve delivery and operational effectiveness across Engineering
- Developing Others: Coach engineers and delegate meaningful ownership so you create more technical leaders instead of becoming a bottleneck

## Who You Are

- You have led architecture for complex, interconnected systems and owned the highest-risk technical decisions
- You have driven cross-team initiatives from an ambiguous problem to measurable results
- You connect technical trade-offs to customer impact, business priorities, cost, and risk
- You influence without authority, aligning teams and stakeholders through context and evidence
- You have created standards, tooling, or processes that improved how teams beyond your own deliver and operate
- You grow engineers by coaching and delegating real ownership, and you measure your success by the leaders you develop
- You thrive in fast-paced, dynamic environments and are comfortable navigating ambiguity and change

It's a bonus (but not required) if you

- Have worked in startups or high-growth tech companies
- Have experience with JavaScript (we primarily use TypeScript, React, and Node.js)
- Have working knowledge of AWS services (ECS, S3, RDS, Dynamo, Lambda) and continuous deployment pipelines
- Have experience in fintech, banking, or other regulated environments

Our Tech Stack

- Front-end: React, TypeScript, React Native
- Back-end: Node.js, TypeScript, Terraform, AWS (DynamoDB, RDS Postgres, Lambda, S3, SQS, SNS, SES, ElasticSearch, ECS)
- Tools: Cursor, Claude, GitHub, GitHub Actions, Datadog, Jira, Metabase

The Interview Process

- Stage 1: A 45-minute Google Meet video call with a member of the Talent team
- Stage 2: A 60-minute live coding exercise with two members of the Engineering team
- Stage 3: A 60-minute Google Meet video call with two Engineering Leaders
- Stage 4: A take-home system design challenge, followed by a 60-minute Google Meet video call review with two members of the Engineering team
- Stage 5: A 45-minute in-person interview with a member of the Leadership team

Our Compensation Approach We believe Relayers should feel rewarded for the impact they have on our mission and growth. Compensation follows impact. As impact increases, compensation grows, and we do not limit compensation changes to a once-a-year review cycle.

The annual salary range for this role is $175,500 CAD to $214,500 CAD. For candidates who demonstrate full readiness for the defined scope of the role, the typical starting salary is $195,000 CAD. Offers below this point reflect candidates we believe can grow into the full scope of the role with support and development. Offers above this point reflect impact that meaningfully exceeds the role’s defined expectations or an expanded scope from day one.

We encourage you to have a conversation with your recruiter and ask questions about compensation throughout the hiring process. For more information on our compensation philosophy and perks and benefits, visit our [Candidate Hub](https://www.notion.so/Candidate-Hub-1c7da8b7f88580a893f7d7c7852b064e?pvs=21).

Why Relay Might Be the Perfect Fit For You

- You push relentlessly for reinvention: You're always asking "how can this be better?" -- in your work, in your craft, in yourself. Comfort is a signal to push harder, not coast. You'd rather build something better than defend something familiar.
- You crave autonomy: We trust our team with big challenges and the freedom to solve them. If you’re someone who takes initiative, is comfortable taking risks, and seeks input when needed, you’ll find the freedom here empowering.
- You own your work: You take pride in your work, follow through on commitments, and feel a deep sense of responsibility for outcomes, not just tasks.
- You build with AI, not just use it: You're actively embedding AI into how you work, pushing what's possible, and bringing your team along with you.
- You care about impact, not noise: You care deeply about the substance of your work. You measure success by results, not recognition, and you let your work speak for itself.
- You’re energized by complexity and ambiguity: You enjoy tackling problems that don’t come with a playbook. You’re comfortable building from scratch, iterating as you go, and collaborating to shape the best path forward.
- You seek out feedback: You see directness as respect, not criticism. You actively seek input, sit with hard truths, and use feedback as fuel for improvement.
- Small businesses are why we're here: Relay exists to help them thrive -- and that mission has to resonate with you.

Join Us We're looking for people who are relentless, curious, and care deeply about the work. You're encouraged to apply even if your experience doesn't perfectly match the job description -- your perspective and drive matter more. We welcome diverse backgrounds and people who think critically, challenge the status quo, and want to help small businesses thrive. If you require accommodations at any stage of the hiring process, please reach out to your Talent Partner. Disclaimer: For compliance reasons, all offers of employment at Relay are conditional upon a successful background check and employment verification through Certn. Important Notice: Relay’s recruitment team only contacts candidates and corresponds from official corporate email addresses ending in @relayfi.com. We will never ask for sensitive personal data (such as bank account details, credit card numbers, or social security/insurance numbers) during the initial application or interview stages.

## About Relay

## Company Overview
- **One-liner**: Relay offers an online business banking and money management platform that gives small businesses complete control over their cash flow with checking, savings, and credit accounts.
- **Entity Type**: Private (total funding $101.6M; latest round $50M in May 2026)
- **Headquarters**: Toronto, Canada
- **Founded**: Not publicly available (first funding round recorded in May 2021)
- **Founders**: Not publicly available

## Core Business
- **Primary industry**: Fintech / Business Banking / Financial Services
- **Target customers**: B2B – Small and medium-sized businesses (SMBs) in the United States
- **Mission/purpose**: “Be on the money” – help small businesses manage their finances with clarity and control.

## Products & Services
- **Relay Business Banking**: Up to 20 individual checking accounts and 2 savings accounts (with 1.11%–3.00% APY), physical and virtual Visa debit cards, and credit cards with up to 1.5% cashback. All accounts are FDIC-insured up to $3M via Thread Bank.
- **Money Management Features**: Automated income allocation, auto-transfer rules, expense tracking with receipt capture, and role-based user permissions for team members, accountants, and bookkeepers.
- **Integrations**: Direct sync with QuickBooks Online and Xero for bookkeeping; supports Profit First Professionals methodology.
- **Payments**: ACH transfers, wires, checks, and incoming payouts from PayPal, Stripe, Square, etc.

## Market Standing
- **Valuation**: Not disclosed
- **Key Metric**: Total funding raised: $101.6 million
- **Notable Investors**: General Catalyst (led the May 2026 round of $50M)
- **Growth Signals**: 
  - Named to CB Insights’ Fintech 100, Deloitte Canada’s Technology Fast 50, Forbes Fintech 50, and CIX Top 10 Growth Award.
  - More than half of the team joined in the last 12 months (as of 2026).
  - 66%+ of employees received salary increases since 2023.
  - Almost 20% of employees received promotions in the last year alone.

## Competitive Advantages
- **FDIC coverage up to $3M** – significantly higher than standard $250k limit (pass-through insurance via Thread Bank).
- **No hidden fees, overdraft fees, or minimum balance requirements** – transparent pricing for SMBs.
- **Profit First method built-in** – auto-allocation of income into separate accounts for expenses, taxes, and profit, making it a natural fit for that community.
- **Deep integrations** with QuickBooks Online and Xero reduce friction for accounting teams.
- **Visa Zero Liability Protection** and biometric security.

## Strategic Focus
- **Growth**: Continue expanding the user base of US-based SMBs and deepen integrations with accounting tools.
- **Product**: Enhance automation and bookkeeping features to reduce administrative burden on small business owners.
- **Team**: Scale the Toronto team aggressively (majority of headcount added in the last year) while maintaining a strong culture of ownership and career growth.

## Why Work Here
- **Hybrid work model**: In-office three days per week at the Toronto office (with lunch, snacks, and beverages provided). Dog-friendly office.
- **Culture**: “Relay employees are Relay owners” – every employee receives equity and a competitive salary. Emphasis on collaboration, autonomy, and customer empathy.
- **Benefits**: 
  - 12 weeks parental leave with 100% salary top-up (all parents).
  - 15 vacation days + 5 flex days + year-end office closure week.
  - Full health, dental, vision benefits from day one, plus Health/Wellness Spending Accounts.
  - Mac-first, top-tier equipment and ergonomic seating.
- **Growth**: Ongoing feedback, mentorship, and coaching; high promotion rate (20% in the last year). Over half the team is new, indicating rapid scaling and opportunity.
- **Social**: Two annual company-wide get-togethers, quarterly team events, happy hours, and networking with industry leaders.

## Sources
1. [relayfi.com](https://relayfi.com/)
2. [relayfi.com/careers](https://relayfi.com/careers/)
3. [support.relayfi.com](https://support.relayfi.com/hc/en-us/articles/30491515355668-What-is-Relay)
4. [raising.fi](https://raising.fi/company/relayfi)
5. [jobs.ashbyhq.com/relayfi](https://jobs.ashbyhq.com/relayfi)

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