Product Manager, User Trust

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. Were 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).

User Trust is central to the security reliability and integrity of Betterments 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 youll 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.

Youll 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 weve 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 Betterments total compensation package for employees.

• New York City: $00

This job may also be eligible for variable compensation in the form of a company incentive bonus.

• Own the product roadmap across identity verification authentication device risk behavioral signals and account security for Betterments 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.

• 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 youre 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.

We change lives

Be a part of a community of innovators working to transform financial outcomes for real people. Your work will make an impact always laddering up to our mission; to empower people to build wealth with confidence and ease.

We set audacious goals

We set them for the company our customers and ourselves and we wont stop until we reach them. We dont just show up; we give our all then celebrate our wins.

We value all perspectives

When we collaborate were at our best. We believe diverse perspectives lead to better outcomes and strive to uphold our supportive and inclusive community.

We simplify financial services

Were financial services pioneers always finding new ways to improve optimize and enhance. Constant improvement is in our DNA.

Our Commitment to Your Total Well-being:

• We offer a competitive suite of benefits including medical dental and vision coverage; life and AD&D insurance; short- and long-term disability; infertility support and WPATH-aligned transgender health benefits; an Employee Assistance Program (EAP); transit benefits and FSA and HSA options
• Ownership: Equity for all employees including new hire and refresher grants.
• Time: Flexible paid time off paid parental leave and a fully paid four-week sabbatical in your sixth year.
• Growth: Company-paid professional coaching for all employees.
• Wealth: Day-one 401(k) match plus matching on qualified student loan payments.

Well take a few weeks to review all applications. If wed like to spend more time with you well reach out to arrange next steps which will include 3-4 sets of meetings with your future colleagues.

In the interview process well 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 were 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!

Were 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.