Product Manager, User Trust

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 that require four days per 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. The Product Manager for User Trust owns the roadmap that ties our controls and tooling together, defines how we assess risk and introduce or remove verification interventions across the customer journey, and sets 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 while working closely with Engineering, Operations, Security, Compliance, Legal, CX, and other product teams to make our platform more resilient and trustworthy over time. Responsibilities 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. Qualifications 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 to set direction. Ability to balance fraud/risk reduction with customer experience and growth, and clearly communicate the trade‑offs 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. Benefits 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!). Opportunities for community building through our seven Employee Resource Groups. Empowerment to own and lead change and affect the business. Dedicated professional development opportunities. Lunch provided by our in‑house chef at our NYC headquarters. Base salary for New York City: $121,000–143,000. This role may also be eligible for variable compensation in the form of a company incentive bonus. We’re an equal‑opportunity employer and comply with all applicable federal, state, and local fair employment practices laws. We strictly prohibit 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 law. 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 FormI‑9 to confirm work authorization. We do not use this information to pre‑screen applicants. #J-18808-Ljbffr