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Practising for the listing Capital Markets Associate. Its requirements are filled in below. When you have an answer you like, paste it with your CV in Career Mirror to see which of the job's skills it shows.

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Capital Markets Associate
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 Capital Markets team sits at the crossroads of daily business processes and new feature development for the in-house portfolio management, custody, and trading platforms. As a Capital Markets Associate, you are excited to use both your subject matter expertise and quantitative rigor to propose, coordinate, and drive key projects relating to the ongoing research and development of the Betterment trading systems. To be successful in this role, you will be process-oriented, results-focused, curious, and eager to learn. We'll look to you to be iterative and a successful collaborator, bringing innovation and efficiency to our systems while ensuring continual compliance with relevant regulatory frameworks. You'll also treat modern AI tools (LLM assistants, AI-assisted coding, and workflow automation) as a core part of your workflow, using them to move faster on analysis, documentation, and research while applying your own judgment to everything they produce.

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: $120,000 - $135,000

This job may also be eligible for variable compensation in the form of a company incentive bonus.

A day in the life

• Help steward Betterment's order management and execution systems with any required oversight and intervention throughout market hours, inclusive of all required regulatory reporting

• Collaborate with senior team members to help scope, plan, and execute trading-related initiatives by contributing to business case development, testing, and implementation.

• Assist in building and maintaining business reporting metrics across execution quality, trade volumes, and cost analytics to support decision-making across teams.

• Contribute to platform improvements by helping identify operational inefficiencies and supporting research and production enhancements, including opportunities to automate or streamline recurring team workflows with AI.

• Maintain cutting-edge awareness of an ever-evolving regulatory environment, including rule filings, industry commentary, and market structure developments for the team.

• Draft and maintain clear team documentation, procedures, and stakeholder updates.

• Manage existing external counterparty relationships, including brokers, market data providers, and reporting vendors, as well as develop and onboard new partners.

• Work closely with cross-functional partners, including Investing, Product, Marketing, and Engineering teams, to support execution of capital markets initiatives.

What we’re looking for

• Experience in financial services (trading strongly preferred), software, or consulting, contributing to the development and analysis of complex systems, particularly financial technology products.

• An interest in capital markets and a curiosity to learn more about trading systems, market data, market structure, and regulatory requirements.

• Some experience with project management and demonstrated success at collaborative deliverables

• Experience working with large datasets for data manipulation is required, with a strong attention to accuracy and efficiency. Proficiency in tools like SQL, Python, or similar languages is a plus.

• Hands-on experience using current AI assistants and agentic tools for everyday work, such as drafting queries, analyzing data, and summarizing documents, along with the curiosity to experiment with new capabilities and share what works with the team.

• Sound judgment about where AI adds value and where it doesn't: you verify AI-generated analysis and code before relying on it, understand its limitations, and handle sensitive or regulated information appropriately, using only firm-approved tools..

• The ability to pivot quickly and effectively, coupled with excellent communication skills to engage and align stakeholders throughout the process.

• Series 7 or the ability to obtain the license within 3 months of hire.

• Familiarity with market data concepts (e.g., NBBO, SIP vs. direct feeds) is a plus.

Join a team built on these core values

We change lives

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 audacious goals

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.

We value all perspectives

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.

We simplify financial services

We’re financial services pioneers, always finding new ways to improve, optimize, and enhance. Constant improvement is in our DNA.

Our Commitment to Your Total Well-being:

• We offer a competitive suite of benefits , including medical, dental, and vision coverage; life and AD&D insurance; short- and long-term disability; infertility support and WPATH-aligned transgender health benefits; an Employee Assistance Program (EAP); transit benefits and FSA and HSA options

• Ownership: Equity for all employees, including new hire and refresher grants.

• Time: Flexible paid time off, paid parental leave, and a fully paid four-week sabbatical in your sixth year.

• Growth: Company-paid professional coaching for all employees.

• Wealth: 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.

In the interview process, we’ll look to learn more about your skills, experiences, capabilities, and motivators. 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. Please note that, as we usually receive an overwhelming number of applications for open positions, we’re unable to offer individual feedback during the interview process.

We recognize that interviewing for a new role is a big deal. We appreciate you considering Betterment as the next step in your career, and our Recruiting Team is here to support and advocate for you through the interview process!

Betterment is dedicated to providing accommodations to candidates upon request. If you need accommodations at any point throughout the interview process, please reach out to your recruiter.

Please note that in any materials you submit, you may redact or remove age-identifying information such as age, date of birth, or dates of school attendance or graduation. You will not be penalized for redacting or removing this information.

Come join us!

We’re an equal opportunity employer and comply with all applicable federal, state, and local fair employment practices laws. We strictly prohibit and do not tolerate discrimination against employees, applicants, or any other covered persons because of race, color, religion, creed, national origin or ancestry, ethnicity, sex, gender (including gender nonconformity and status 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 characteristic, domestic violence victim status, arrest records, or any other characteristic protected under applicable federal, state or local law.

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Requirements found

Marketing (must) Compliance Onboarding Project Management Sql (nice) Python (nice) Recruiting

What this posting asks for

Level: Entry level — The title says "Associate".

Main responsibilities

Help steward Betterment's order management and execution systems with any required oversight and intervention throughout market hours, inclusive of all requi…
Collaborate with senior team members to help scope, plan, and execute trading-related initiatives by contributing to business case development, testing, and …
Assist in building and maintaining business reporting metrics across execution quality, trade volumes, and cost analytics to support decision-making across t…
Contribute to platform improvements by helping identify operational inefficiencies and supporting research and production enhancements, including opportuniti…
Maintain cutting-edge awareness of an ever-evolving regulatory environment, including rule filings, industry commentary, and market structure developments fo…
Manage existing external counterparty relationships, including brokers, market data providers, and reporting vendors, as well as develop and onboard new part…
Work closely with cross-functional partners, including Investing, Product, Marketing, and Engineering teams, to support execution of capital markets initiati…

Competencies an interviewer will look for

Technical skill Core
In the posting: “You'll also treat modern AI tools (LLM assistants, AI-assisted coding, and workflow automation) as a core part of your workflow, using them to move faster on…” · “Work closely with cross-functional partners, including Investing, Product, Marketing, and Engineering teams, to support execution of capital markets initiati…” · “Experience in financial services (trading strongly preferred), software, or consulting, contributing to the development and analysis of complex systems, part…”
Show it by: Names the tools, languages or systems used and how; Explains a technical choice and its trade-off.
Communication Core
In the posting: “You'll also treat modern AI tools (LLM assistants, AI-assisted coding, and workflow automation) as a core part of your workflow, using them to move faster on…” · “Draft and maintain clear team documentation, procedures, and stakeholder updates.” · “The ability to pivot quickly and effectively, coupled with excellent communication skills to engage and align stakeholders throughout the process.”
Show it by: Adapts the message to the listener; Gives an example of explaining something clearly in writing or speech.
Teamwork and collaboration Core
In the posting: “We'll look to you to be iterative and a successful collaborator, bringing innovation and efficiency to our systems while ensuring continual compliance with r…” · “Collaborate with senior team members to help scope, plan, and execute trading-related initiatives by contributing to business case development, testing, and …” · “Work closely with cross-functional partners, including Investing, Product, Marketing, and Engineering teams, to support execution of capital markets initiati…”
Show it by: Says what they did inside a team, not only what 'we' did; Shows how a disagreement was handled.
Data and analysis Core
In the posting: “As a Capital Markets Associate, you are excited to use both your subject matter expertise and quantitative rigor to propose, coordinate, and drive key projec…” · “You'll also treat modern AI tools (LLM assistants, AI-assisted coding, and workflow automation) as a core part of your workflow, using them to move faster on…” · “Help steward Betterment's order management and execution systems with any required oversight and intervention throughout market hours, inclusive of all requi…”
Show it by: Uses a number to describe the situation or the result; Explains what the data showed and what was done with it.
Adaptability and learning Core
In the posting: “To be successful in this role, you will be process-oriented, results-focused, curious, and eager to learn.” · “An interest in capital markets and a curiosity to learn more about trading systems, market data, market structure, and regulatory requirements.” · “Hands-on experience using current AI assistants and agentic tools for everyday work, such as drafting queries, analyzing data, and summarizing documents, alo…”
Show it by: Describes learning something new quickly and using it; Shows a change of plan and how they adjusted.
Attention to detail and quality Core
In the posting: “We'll look to you to be iterative and a successful collaborator, bringing innovation and efficiency to our systems while ensuring continual compliance with r…” · “Collaborate with senior team members to help scope, plan, and execute trading-related initiatives by contributing to business case development, testing, and …” · “Assist in building and maintaining business reporting metrics across execution quality, trade volumes, and cost analytics to support decision-making across t…”
Show it by: Gives an example of an error caught before it caused harm; Names the check or standard they used.
Stakeholder management Core
In the posting: “Draft and maintain clear team documentation, procedures, and stakeholder updates.” · “Manage existing external counterparty relationships, including brokers, market data providers, and reporting vendors, as well as develop and onboard new part…” · “Work closely with cross-functional partners, including Investing, Product, Marketing, and Engineering teams, to support execution of capital markets initiati…”
Show it by: Shows how they aligned people with different goals; Explains how they handled a 'no' from someone senior.
Ownership and accountability Supporting
In the posting: “Ownership: Equity for all employees, including new hire and refresher grants.”
Show it by: Takes a task from start to finish without being chased; Owns a mistake and what was changed after it.
Leadership and mentoring Supporting
In the posting: “Growth: Company-paid professional coaching for all employees.”
Show it by: Describes setting direction or a standard others followed; Names someone they coached and what changed for them.
Customer focus Supporting
In the posting: “We set them for the company, our customers, and ourselves, and we won’t stop until we reach them.”
Show it by: Puts the customer's need in their own words; Shows a result for the customer, not only for the company.
Planning and organisation Supporting
In the posting: “Collaborate with senior team members to help scope, plan, and execute trading-related initiatives by contributing to business case development, testing, and …”
Show it by: Shows how priorities were set when everything was urgent; Mentions deadlines met and how.

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Practice questions

Tell me about yourself. Dedicated step-by-step practice.
If an interviewer asks something improper How to respond to questions about age, family, origin or health.
Built from this posting (8):
Walk me through a piece of work where you used your strongest technical skill. What exactly did you do? From this posting
Tell me about a time you had to explain something complex to someone outside your field. From this posting
Describe a time you worked with another team to deliver something. What was your part? From this posting
Tell me about a time you used data or numbers to make a decision. From this posting
How have you used marketing in your work? Walk me through one real example. From this posting
Tell me about a problem you solved using compliance. From this posting
Tell me about a task you took from start to finish without anyone asking you to. From this posting
Tell me about a time you helped someone on your team get better at their work. From this posting
This posting reads as Data analysis: its questions come first.
Tell me about an analysis that changed a decision. Data analysis
How do you check that a query or spreadsheet you built gives the right answer? Data analysis
Describe a new tool or technique you learned to finish a piece of work. Data analysis
Describe a time you found that the data you were given was wrong. Data analysis
A manager asks you for 'the numbers' by tomorrow with no further detail. What do you do? Data analysis
What makes a dashboard useful, and how have you built one? Data analysis
Tell me about a time you explained a statistical result to people without a data background. Data analysis
Sales dropped 15% last month. How would you find out why? Data analysis
Walk me through how you would check whether a report's numbers are right.
Describe a time you handled an upset customer or colleague.
Tell me about a time you had several deadlines at once. How did you decide what to do first?
Give an example of a mistake you caught before it caused a problem.
Tell me about a time you taught someone how to do something.
Describe a time you took the lead without being asked.
Tell me about a time you had to explain something complicated in simple terms.
Describe a process you improved.
Do you have any questions for us?
Why do you want to work here?
Why is there a gap in your employment? Difficult question
Why did you leave your last job? Difficult question
Why are you changing careers? Difficult question
What is your greatest weakness? Difficult question
What are your salary expectations? Difficult question
You seem overqualified for this role. Why do you want it? Difficult question
Improper-question practice: How old are you? / Do you have children? / Where are you from originally?
A customer is angry about a delay you did not cause. What do you do?
How do you keep track of many open customer requests?
Tell me about a time you could not give a customer what they wanted.
You find that the inventory count does not match the system. What do you do?
Tell me about a time a shipment or delivery went wrong.
How do you make sure safety rules are followed on a busy shift?
Two managers ask you to book the same room at the same time. What do you do?
How have you used spreadsheets in your work?
Tell me about a time you had to enter or check a lot of data accurately.
Tell me about a sale or agreement you are proud of.
A prospect says your price is too high. How do you respond?
How do you keep your pipeline organised?
Tell me about a technical problem you solved on your own.
You find a bug right before a release. What do you do?