Sr. Fraud Analyst

About Betterment a 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 (four days/ week in-office, with no required office days during the summer and winter holidays). 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. You will partner closely with Data, Compliance, and Product to design controls, build monitoring, and regularly advise leadership on model performance, threats, and residual risk. This role is based out of our NYC office. Below we ve 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 Betterment’s total compensation package for employees. New York City: $135,000 - $160,000 This job may also be eligible for variable compensation in the form of a company incentive bonus. A Day in the Life Manage Fraud rule sets and controls Set up and perform continuous rule performance monitoring Utilize data analytics to refine rules and reduce false/positives Design new rules to address emerging fraud patterns and detect suspicious activity Identify and remedy control gaps Influence architecture builds and data integration Orchestrate fraud monitoring through full customer journey across payment rails, funding flows, logins, and behavioral signals. Strengthen case management process 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 Own customer risk and KYC models Maintain and enhance customer risk rating, signup, and related fraud scoring models. Define clear model performance metrics (e.g.,