Betterment

Sr. Fraud Analyst

Betterment HQ - New York City · Senior

No sponsorship$135k-$160kDetected 15 days ago

RailsSQLData AnalysisProject ManagementLeadershipCommunicationProblem SolvingMentoringPublic Speaking

About the role

Betterment's Risk Operations team plays a critical role in protecting our platform and customers from fraud and financial crime.
As a Senior Fraud Analyst, you will be the analytical owner of our customer risk rating, KYC, and fraud monitoring models.
You will use data to shape how we detect, prevent, and respond to emerging fraud trends.

When we collaborate, we're at our best.
Our team is passionate about our mission, to empower people to build wealth with confidence and ease.
Set up and perform continuous rule performance monitoring
Design new rules to address emerging fraud patterns and detect suspicious activity
Partner with Engineering for data harvesting, analytics and rule implementation
Lead cross‑functional projects from problem definition through implementation and post‑mortem, ensuring stakeholders are aligned on goals, timelines, and outcomes.
Identify, implement and assess vendor solutions
Maintain and enhance customer risk rating, signup, and related fraud scoring models.

Experienced Fraud Professional: 3-5+ years in fraud prevention, analytics, and financial crime (fintech, banking, brokerage, or payments).
Must have direct experience with fraud patterns/controls (e.g., ATO, ACH/transfer, card fraud, KYC/KYB, synthetic identities).
Data-Driven & Technical: Advanced SQL is required.
Familiarity with Fraud ecosystem (solutions, capabilities, challenges)
Knowledge of KYC/AML, customer risk rating, and step-up auth/verification.

Day-one 401(k) match plus matching on qualified student loan payments.
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.
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.

Excellent communication; can translate complex analytics and risk trade-offs to technical/non-technical audiences.
Comfortable presenting to senior stakeholders and committees.
Demonstrated end-to-end project management skills.

Below we've reflected the base salary range for this position.
The range listed is just one component of Betterment's total compensation package for employees.

Company-paid professional coaching for all employees.
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 them for the company, our customers, and ourselves, and we won't stop until we reach them.
We believe diverse perspectives lead to better outcomes and strive to uphold our supportive and inclusive community.
We simplify financial services

us 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 ch

This listing is sourced directly from Betterment's careers page and normalized into a canonical job model.