Fraud Operations Lead

The role

You will run fraud operations across cards, ACH, wire, and stablecoin transfers, with cards as the immediate focus. You will manage daily fraud workflows, maintain fraud policy and controls, and work with bank partners on fraud and dispute reporting.

What you will do

• Maintain and improve anti-fraud policy, controls, and thresholds, and produce fraud metrics for leadership.
• Run day-to-day fraud operations: triage, investigate, and decide on alerts and cases across cards, ACH, wire, and stablecoin transfers.
• Lead post-mortems when something gets through.
• Serve as primary contact for fraud escalations from banking and processing partners and internal teams.
• Own card disputes and chargebacks after customer support hands them off, including provisional credit, representment, network deadlines, and Regulation E timelines.
• Prepare fraud and dispute reporting for bank partners and respond to their oversight requests.
• Design scalable fraud management processes, using AI tools to reduce manual work.
• Tune anti-fraud rules as typologies evolve and partner with Compliance and Engineering to ship changes.
• Help shape the fraud operations roadmap and tooling decisions.

Required qualifications

• 5-8 years in fraud operations, risk operations, or fraud investigations at a fintech, payment services provider, card issuer, program manager, processor, or bank.
• Experience maintaining fraud policy and controls: writing or updating procedures, setting thresholds, and documenting decisions for leadership or audit.
• Experience working directly with bank partners on fraud and dispute reporting, oversight requests, and exam or audit support.
• Hands-on experience in manual review operations: running queues, making case decisions, and hitting SLAs.
• Card fraud fundamentals: authorization signals, card testing, and account takeover.
• Experience configuring and tuning rules in a transaction monitoring or fraud platform.
• Comfort working with data: using AI tools to analyze alert and case history, spot patterns, and build better rules and alerts.

Nice to have

• Experience resolving and reporting on disputes and chargebacks, including Regulation E timelines and Visa and Mastercard operating rules.
• Crypto or stablecoin exposure, including blockchain analytics tools such as TRM or Chainalysis.

Benefits

• Engaging problems that increase economic freedom globally
• Competitive salary and equity
• Employee-friendly equity terms (extended exercise)
• Remote work, no commuting to the office
• Paid co-working space or desk at an office
• Health, dental, and vision insurance
• Regular team events and off-sites

About the company

Dakota is a stablecoin infrastructure platform for regulated money movement, stablecoin orchestration, and cross-border settlement. It serves institutional clients such as fintechs, payment service providers, marketplaces, and enterprises through an API-first platform.