Software Engineer
US$170,000 – US$195,000 / yr base salary
Posted 23 Sep 2026
Advertised as “Sr. Software Engineer – API & Auth Platform”
BranchFactor Summary
The original posting with the fluff stripped out
- Management level
- Individual contributor
- Employment
- Hybrid
| Base salary | US$170,000 – US$195,000 / yr |
|---|
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 (four days/week in-office, with no required office days during the summer and winter holidays).
About the Role
The API & Auth Platform team enables product teams across Betterment to build and operate APIs quickly, enjoyably, and securely. As Sr Software Engineer, you will work with a team of senior/staff engineers stewarding our shared GraphQL API frameworks, authentication and access control systems, and internal tooling platform.
You will help build core pieces of the GraphQL API frameworks powering our customer-facing web and mobile applications, working closely with engineering leadership. You will also collaborate with operations, customer support, and compliance partners to ensure our internal APIs let teams operate Betterment systems with the rigor our customers and regulators expect.
As AI tooling reshapes how we build and operate our systems, you will have significant influence over how Betterment's APIs support AI agents and tooling safely in a regulated financial services environment.
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: $170,000 - $195,000
This job may also be eligible for variable compensation in the form of a company incentive bonus.
A Day in the Life
- Work with a team of senior/staff engineers building the API, authentication, and internal tooling foundation that every Betterment team relies on.
- Help deliver the GraphQL API frameworks powering our customer-facing and internal apps, including agentic tooling for AI-native API development workflows.
- Contribute to Betterment's authentication and authorization systems, keeping them current with industry best practices.
- Build platform capabilities like secure, first-party MCP access to Betterment APIs — and the reliability, security, and developer experience work that makes them trustworthy.
- Embed with the product teams who build on your platform every day. Develop broad Betterment domain expertise in the process.
- Help make the standards that keep shared systems healthy visible and easy to meet, and help teams understand the "why" behind them.