About Betterment
Betterment is a leading, technology-driven financial services company that offers investing, savings and retirement solutions for retail investors and investment advisors as well as financial wellness solutions, including a 401(k) for small and medium-sized businesses. Our team is passionate about our mission, to empower people to build wealth with confidence and ease. We’re headquartered in NYC and offer hybrid NY-based positions (four days/ week in-office, with no required office days during the summer and winter holidays).
About the Role:
On User Trust, you’ll build the systems and experiences that help users, partners, and regulators trust Betterment’s platform. You’ll work on critical capabilities spanning, user privacy and compliance, account access, KYC, risk scoring, login and account recovery, and fraud prevention.
This role sits at the intersection of security, legal & compliance, risk, and product engineering to deliver scalable, reliable solutions that protect customers, reduce fraud, and support Betterment’s regulatory obligations.
As a staff engineer, you’ll play an instrumental role in designing and implementing complex systems within the team’s domain, guiding your team’s full stack development practices and collaborating with other senior engineering leaders to advance Betterment’s technology and create high performance, reliability and exceptional developer experience.
If you're passionate about delightful customer experiences, building scalable, high-performance web applications and are eager to work in a collaborative, forward-thinking environment, we'd love to have you on our team.
New York City: $200,000 - $238,000
We offer a competitive equity package, health, dental and vision benefits, life and AD&D, short-term and long-term disability insurance, EAP, commuter and parking benefits FSA/HSA, and 401(k) with employer match as well as a flexible PTO policy. This job may also be eligible for variable compensation in the form of a company incentive bonus. For jobs based out of our NYC HQ, we require in office attendance Monday through Thursday, weekly.
What We’re Looking For:
- Experience designing, building, and operating systems for fraud detection, prevention, or risk mitigation in high-trust environments.
- Familiarity with building customer-facing and internal tools that require strong reliability, auditability, and thoughtful handling of risk.
- Exposure to domains involving identity, access, privacy, compliance, financial workflows, or other trust-critical user experiences.
- Track record of balancing user experience, business goals, and control frameworks when building scalable fullstack systems.
- Have proven and recent experience scoping, building, and leading technical projects (and the teams building them) from discovery through release
- Have experience in at least one server-side language - Ruby, Java, C#, C++, Python. (we use Ruby on Rails)
- Have experience building interactive web applications using modern Javascript frameworks (we use React)
- Have a strong understanding of appropriate technical design, architecture, and other complexity in building web applications
- Have experience gathering inputs, building consensus, and making technical decisions in an inclusive manner
- Have experience communicating effectively with technical and non-technical colleagues across different roles, teams, and lines of business
- Have a commitment to upskilling teammates through feedback, pairing, and mentorship
- Have a passion for software engineering, and for creating what doesn’t exist
- Know how to make the tradeoffs required to ship without compromising quality
- Realize that automated tests are a worthwhile investment
- Appreciate agility and pragmatism in software development
- Thrive in a startup environment
What being at Betterment means for you
We change lives
Join a community of innovators working to transform financial outcomes for real people. Your work will make an impact, always laddering up to our mission: making people's lives better.
We set audacious goals
We set them for the company, our customers, and ourselves—and we won’t stop until we reach them. We don’t just show up; we give our all, then celebrate our wins.
We value all perspectives
When we collaborate, we're at our best. We believe diverse perspectives lead to better outcomes and strive to uphold our supportive and inclusive community.
We invest in you with:
- A competitive suite of benefits, including: medical, dental, and vision insurance; life and AD&D insurance; STD and LTD benefits, including infertility support and World Professional Association for Transgender Health approved benefits; and generous parental leave.
- Flexible paid time off (and encouragement to use it!)
- Meaningful opportunity for community building through our 7 Employee Resource Groups
- Empowerment to own and lead change and affect the business
- Dedicated professional development opportunities
- Lunch from our in-house chef at our NYC headquarters
What happens next
We’ll take a few weeks to review all applications. If we’d like to spend more time with you, we’ll reach out to arrange next steps, which will include 3-4 sets of meetings with your future colleagues.
In the interview process, we’ll look to learn more about your skills, experiences, capabilities, and motivators. Many of our questions will be aimed at understanding how you might operate here at Betterment. Depending on the role, we may ask you to complete a case study exercise or technical assessments, as we want to collect a robust set of data points to better inform our decisions.
On average, it takes us around 3-5 weeks to make a hiring decision, depending on your availability and sense of urgency. As a best practice, we aim to interview at least 2-3 final round candidates before making a hiring decision. Please note that, as we usually receive an overwhelming number of applications for open positions, we’re unable to offer individual feedback during the interview process.
We recognize that interviewing for a new role is a big deal. We appreciate you considering Betterment as the next step in your career, and our Recruiting Team is here to support and advocate for you through the interview process!
_Betterment is dedicated to providing accommodations to candidates upon request. If you need accommodations at any point throughout the interview process, please reach out to your recruiter. _
Please note that in any materials you submit, you may redact or remove age-identifying information such as age, date of birth, or dates of school attendance or graduation. You will not be penalized for redacting or removing this information.
**Come join us! **
We’re an equal opportunity employer and comply with all applicable federal, state, and local fair employment practices laws. We strictly prohibit and do not tolerate discrimination against employees, applicants, or any other covered persons because of race, color, religion, creed, national origin or ancestry, ethnicity, sex, gender (including gender nonconformity and status as a transgender or transsexual individual), sexual orientation, marital status, age, physical or mental disability, citizenship, past, current or prospective service in the uniformed services, predisposing genetic characteristic, domestic violence victim status, arrest records, or any other characteristic protected under applicable federal, state or local law.
E-Verify Statement
Betterment participates in E-Verify. We will provide the Social Security Administration, and if necessary, the Department of Homeland Security, with information from each new employee’s Form I-9 to confirm work authorization. Please note that we do not use this information to pre-screen job applicants. E-Verify Notice E-Verify Notice (Spanish) Right to Work Notice Right to Work Notice (Spanish)
**CPRA Language - CA Applicants ONLY **
_We collect and store personal information for the purposes of candidate tracking (for this role and future opportunities). The information you provide in the course of completing your application will be kept for up to 24 months. We use tools provided by third-party service providers but do not share candidate information for any purpose other than for recruiting. To access the data that is collected, request deletion or to make updates to your candidate profile, please email _team.hire@betterment.com_. _