Product Manager, User Trust at Betterment in New York City, NY

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 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 User Trust is central to the security, reliability, and integrity of Betterment's financial products and the customers who depend on them. We design risk and identity measures, determine when and how to introduce controls in key customer journeys (signup, login, funding, withdrawals), and build the tooling that helps Customer Experience and Operations teams keep 1M+ customers safe while without compromising the quality of their investing and cash experience. As the Product Manager for User Trust, you'll own the roadmap that ties our controls and tooling together, define how we assess risk and introduce (or remove) verification interventions across the customer journey, and set clear measures of impact across risk reduction, customer experience, and regulatory expectations. You'll navigate multiple concurrent projects from definition through launch, moving fluidly between strategy and implementation details — working closely with Engineering, Operations, Security, Compliance, Legal, CX, and other product teams to make our platform more resilient and trustworthy over time. This role is based out of our NYC office. Below we've reflected the base salary range for this position. Actual salaries may vary depending on factors including but not limited to location, experience, and performance. The range listed is just one component of Betterment’s total compensation package for employees. New York City: $121,000-143,000 This job may also be eligible for variable compensation in the form of a company incentive bonus. A Day in the Life Own the product roadmap across identity verification, authentication, device risk, behavioral signals, and account security for Betterment’s retail investing and cash products. Identify and prioritize opportunities to increase security and integrity while minimizing friction in signup, funding, withdrawals, login, and sensitive profile changes. Partner with Operations, Security Engineering, Customer Experience, and Compliance to design, implement, and iterate on KYC/KYB, 2FA, risk scoring, transaction monitoring, and case management controls. Work closely with engineering to define solutions and tradeoffs, while actively questioning assumptions and default approaches before converging on an implementation. Lead cross-functional delivery with design, engineering, analytics, and operations from problem definition through discovery, specs, launch, and iteration. Run experiments and tests to calibrate trust controls, including where to require additional verification, how to tune thresholds, and how to communicate risk decisions. Define and track success metrics that balance platform integrity with customer experience, including financial risk, login success rates, and conversion. Build deep insight into customers and internal operators through research, risk and incident reviews, CX shadowing, and market and competitive analysis. What We’re Looking For Product management experience building products in fintech, financial services, or other regulated / risk-heavy domains (e.g., payments, security, marketplaces). Strong analytical and data-informed decision-making skills, comfortable using metrics, experiments, and qualitative inputs (CX tickets, risk case data, user research) to set direction. Ability to balance fraud/risk reduction with customer experience and growth, and clearly communicate the tradeoffs you’re making. Proven success leading cross-functional work with engineering, design, CX, Operations, Compliance, Legal, and Security to ship complex features. Comfort with concepts like KYC/AML, identity verification, authentication, ACH and card risk, account takeover, and device intelligence (or a demonstrated ability to ramp quickly). Excellent written and verbal communication and storytelling skills; able to create clear specs and influence stakeholders at multiple levels. Strong sense of ownership and a track record of driving work forward in ambiguous environments while maintaining a high bar for quality and customer trust. 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.