Staff Engineer, User Trust

September 26, 2026

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About the position

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.

Responsibilities

Build the systems and experiences that help users, partners, and regulators trust Betterment’s platform
Work on critical capabilities spanning user privacy and compliance, account access, KYC, risk scoring, login and account recovery, and fraud prevention
Deliver scalable, reliable solutions that protect customers, reduce fraud, and support Betterment’s regulatory obligations
Design and implement complex systems within the team’s domain
Guide your team’s full stack development practices
Collaborate with other senior engineering leaders to advance Betterment’s technology and create high performance, reliability and exceptional developer experience

Requirements

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
Proven and recent experience scoping, building, and leading technical projects (and the teams building them) from discovery through release
Experience in at least one server-side language - Ruby, Java, C#, C++, Python
Experience building interactive web applications using modern Javascript frameworks
Strong understanding of appropriate technical design, architecture, and other complexity in building web applications
Experience gathering inputs, building consensus, and making technical decisions in an inclusive manner
Experience communicating effectively with technical and non-technical colleagues across different roles, teams, and lines of business
Commitment to upskilling teammates through feedback, pairing, and mentorship
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

Benefits

Competitive equity package
Health benefits
Dental benefits
Vision benefits
Life and AD&D insurance
Short-term and long-term disability insurance
EAP
Commuter and parking benefits
FSA/HSA
401(k) with employer match
Flexible PTO policy
Company incentive bonus
Infertility support
World Professional Association for Transgender Health approved benefits
Generous parental leave
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

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