Full-Time
Sr. Full Stack Software Engineer
Product Engineering
Updated on 8/21/2026
Betterment
501-1,000 employees
Online retailer of branded apparel and gifts
Compensation Overview
$170k - $195k/yr
New York, NY, USA
Hybrid
Hybrid role; four days in-office per week in NYC; no required office days during summer/winter holidays.
 Software Engineering (1) |
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- Strong experience in object-oriented programming; Ruby on Rails is preferred. Experience with Java, Python, C#, or Node.js is welcomed.
- Proficiency in building frontend applications using React.js or a similar framework
- Experience building APIs using GraphQL.
- Proficiency with relational databases, including designing schemas and writing detailed SQL queries.
- A strong command of fundamental algorithms and data structures.
- Proven ability to lead and manage projects that span one or more teams, considering tradeoffs to ensuring on-time delivery while maintaining high standards of quality, performance and security.
- Passion for building delightful front end interfaces and components.
- Passion for ongoing learning and knowledge-sharing.
- Adept at approaching complex engineering challenges with innovative and unconventional solutions.
- Lead medium-to-large scale initiatives, partnering with teammates and adhering to software development best practices in order to ship high quality software continuously and iteratively.
- Collaborate with our Product & Design teams to build delightful experiences that help our customers save and invest.
- Balance innovation with the need to maintain application performance and security.
- Maintain a high bar of excellence in your work quality, setting an example for and mentoring less experienced Engineers to do the same.
- Create efficiency. Our software helps customers save time and money. We maintain it through clean code, rigorous testing and pragmatic programming
- Collaborate with purpose. You’ll work in small groups with other talented Engineers and figure out how to make Betterment’s software better.
- Contribute to an environment of open communication, where engineers feel empowered to share ideas and take initiative to solve problems that contribute to achieving company objectives.
Betterment runs an online retail storefront that sells branded apparel, accessories, and gifts. Customers can buy items such as t-shirts, hoodies, onesies, beanies, mugs, and tote bags through the brand’s online shop. The products are designed and marketed with a focus on promoting happiness and a better lifestyle under the motto “Wear Betterment. Pursue Happiness.” Revenue comes from direct sales on the online platform, with prices set regularly and occasionally discounted, leveraging economies of scale as sales grow. Compared with other online retailers offering niche branded products, Betterment differentiates itself by a broad, lifestyle-focused lineup and a clear happiness-centric message aimed at a wide range of customers. The company’s goal is to grow a direct-to-consumer business that makes branded, feel-good merchandise accessible to many shoppers while driving profitability through high-volume sales.
Company Size
501-1,000
Company Stage
Debt Financing
Total Funding
$435M
Headquarters
New York City, New York
Founded
2010
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Simplify's Take
What believers are saying
- Aug. 12, 2026 survey gives Betterment owned attention for marketing and lead generation.
- June 23, 2026 and May 20, 2026 workplace launches deepen 401(k) employer retention.
- Feb. 10, 2026 model marketplace adds Goldman, Vanguard, and State Street credibility.
What critics are saying
- Feb. 2026 breach exposed 1.4 million records, damaging trust and conversion rates.
- Schwab, Fidelity, and Altruist commoditize custody, pressuring Betterment's 0.25% fee by 2027.
- AI features create model-risk exposure; one bad recommendation triggers regulatory scrutiny and advisor churn.
What makes Betterment unique
- Aug. 17, 2026 Custom portfolios combine 5,500 stocks and ETFs with automated tax management.
- Betterment Advisor Solutions serves 600 RIAs, plus Nitrogen integration on Feb. 18, 2026.
- Betterment at Work unifies payroll, compliance, and AI benchmarking across 401(k) administration.
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Benefits
Health Insurance
Dental Insurance
Vision Insurance
Life Insurance
Disability Insurance
401(k) Company Match
Unlimited Paid Time Off
Wellness Program
Growth & Insights and Company News
6 month growth
↓ -1%1 year growth
↓ -1%2 year growth
↑ 0%Betterment has launched Custom portfolios, allowing retail investors to build personalised portfolios security-by-security whilst maintaining automated portfolio management features. The new offering lets customers select from over 5,500 individual stocks and ETFs, with real-time AI insights evaluating diversification, sector exposure, and geographic exposure. The platform handles rebalancing, reinvesting, and tax-loss harvesting automatically. Customers can either personalise one of Betterment's expert-built portfolios or start from scratch. "Investors no longer have to make the all-or-nothing choice between DIY investing and full-service management," said Sarah Levy, Betterment's CEO. Custom portfolios are currently available for eligible individual taxable investing accounts. Betterment serves over one million customers managing more than $70 billion in assets across its wealth and savings platform.
Betterment launches ai-powered dashboard to help employers optimise 401(k) retirement plans. Financial technology company Betterment has launched an upgraded dashboard for retirement plan sponsors, introducing artificial intelligence-powered benchmarking tools designed to help employers better evaluate and manage their workplace 401(k) schemes. The refreshed Betterment at Work dashboard aims to simplify retirement plan administration by bringing together payroll integration monitoring, action items, compliance information and support resources within a single interface. The company says the update is intended to help businesses navigate increasingly complex retirement benefit responsibilities more efficiently. A key addition is an AI-driven benchmarking feature that analyses participation rates and employee contribution patterns before comparing them with broader national averages. The tool is designed to help employers identify potential gaps in retirement engagement and encourage stronger long-term savings behaviour among staff. Chelsey Lubin, Vice President of Client Experience at Betterment, said employers are under growing pressure to manage retirement programmes despite often lacking dedicated in-house retirement specialists. The updated platform also includes personalised homepage insights, easier navigation between employer and participant accounts, direct access to support contacts and improved visibility across additional employee benefits offerings such as education savings plans and financial coaching services. The launch reflects a broader trend across the retirement and financial wellness sector, where providers are increasingly integrating artificial intelligence into pension administration and employee financial planning tools. Industry analysts have suggested AI could eventually enable more personalised retirement guidance and improved plan engagement, although adoption among employers remains at an early stage. Betterment at Work, which focuses on retirement solutions for growing businesses, manages more than $70 billion in assets and continues to expand its enterprise technology offerings for employers.
Betterment at Work rolls out ai-powered plan sponsor dashboard. Upgrade gives employers additional benchmarking data on how plans compare to national averages May 20, 2026 Betterment at Work today announced a redesigned 401(k) plan sponsor dashboard, including a new AI-powered benchmarking tool that gives employers a clearer, faster way to identify gaps in their retirement benefits and take action. The dashboard centralizes administrative tasks, payroll integration status, action items, and support. The new dynamic homepage surfaces relevant insights for each plan sponsor, personalized to where they are in their journey. "Plan sponsors are being asked to manage increasingly complex retirement programs, often without dedicated internal resources," said Chelsey Lubin, Vice President of Client Experience at Betterment. "Our redesigned dashboard unifies tasks and showcases AI-powered benchmarking in one place so sponsors can focus on the actions that matter most for their employees' retirement outcomes." A key new feature is the AI-powered plan benchmarking tool, which reviews plan participation and average contribution rates, and then delivers insights about how that plan compares to national averages. Sponsors can see how their plan is performing and where there may be opportunities to boost engagement and savings behavior, which can ultimately help their employees maximize their retirement benefits. These comparisons are designed to assist sponsors' ongoing fiduciary responsibility to regularly benchmark plan performance. A press release today said the plan benchmarking tool is part of Betterment's broader enterprise AI strategy to deliver personalization at scale across its platform and follows the recent launch of Betterment's AI Account Recommender for retail customers. Betterment also recently announced a partnership with HR provider OnPay to streamline payroll and retirement benefits. That integration especially targets small business plans - 41% who say they currently do not offer a retirement benefit due to its long process and time requirements, according to OnPay research. New York-based Betterment at Work provides modern, scalable 401(k) solutions built for growing businesses and manages more than $70 billion in assets.
Betterment at Work has launched a redesigned plan sponsor dashboard featuring AI-powered benchmarking for 401(k) plans. The updated platform centralises administrative tasks, payroll integration and support whilst delivering personalised insights based on each sponsor's journey. The AI benchmarking tool analyses plan participation and average contribution rates, comparing them against national averages to help sponsors identify opportunities to boost employee engagement and savings. The feature supports sponsors' fiduciary responsibility to regularly benchmark plan performance. "Plan sponsors are being asked to manage increasingly complex retirement programmes, often without dedicated internal resources," said Chelsey Lubin, vice president of client experience at Betterment. The tool is part of Betterment's broader enterprise AI strategy, following its recent AI account recommender launch for retail customers. Betterment manages over $70 billion in assets.
Betterment Advisor Solutions has launched a Solo 401(k) offering for large wealth management partners, including HUB and Osaic, enabling them to deliver digital retirement solutions to self-employed clients. The expansion addresses advisors' challenges in managing solopreneur retirement plans at scale. The fully digital solution eliminates setup fees and paper-based processes, integrating into existing advisor workflows. Betterment manages administrative tasks including payroll integrations, compliance and daily operations, whilst advisors focus on client service. The move targets the growing self-employed market, which has historically been underserved due to complex retirement products. Betterment currently manages over $65 billion in assets under management across more than one million customers. The Solo 401(k) is now available to Betterment's national partners and advisor networks.