Sr. Software Engineer, Backend

About Betterment

Betterment is a leading, technology-driven financial services company that offers investing 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 roles with four days a week in office.

Broker Dealer is the core of the Betterment platform. On a busy day, we securely move millions of dollars through the system and ensure each transaction flows through a complex series of risk checks for strict regulatory compliance. Every ounce of efficiency and intelligence we pour into the system translates into more value for our customers. As a Senior Engineer in our Broker Dealer organization, you'll help balance on‑time delivery of new platform features with system stability and scale, all while mentoring and growing a team of talented engineers.

This role is based out of our NYC office. For jobs based out of our NYC HQ, we require in‑office attendance Monday through Thursday, weekly.

Salary range:
New York City – $175,000 to $205,000.

• Build innovative trading and money‑movement technology that empowers people to make the most of their money so they can live better
• Solve “impossible” problems. Take your ideas to the next level right away. We experiment, iterate, learn, and repeat
• Uphold a standard of excellence in your work, continuously seeking improvement and welcoming guidance from more experienced engineers
• Collaborate with purpose. You’ll work in small groups with other talented thinkers and figure out how to make Betterment’s software even better
• Gain trust through transparency. We believe in taking the guesswork out of investing. That means a consistent experience for our customers — you’ll build the tools to make it possible
• Create efficiency. Our software helps customers save time and money. We maintain it through clean code, pragmatic programming, and lean engineering
• Contribute to an environment of open communication where engineers feel empowered to share ideas and take initiative to solve problems that achieve company objectives

• 5+ years professional experience in at least one object‑oriented language
• Familiarity with writing Java code
• 5+ years professional experience with SQL and relational databases, including designing schemas and writing detailed SQL queries
• A strong command of fundamental algorithms and data structures
• Experience working in large‑scale distributed systems
• Experience designing, building, scaling, and maintaining core backend software components
• Proven ability to lead and manage projects that span one or more teams, considering tradeoffs to ensure on‑time delivery while maintaining high standards of quality, performance and security

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 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.

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.

• 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

We’ll take a few weeks to review all applications. If…