Dakota

Compensation

Full Description

About Dakota Dakota is a stablecoin infrastructure platform powering modern financial products through regulated money movement, stablecoin orchestration, and cross-border settlement. We serve institutional clients — fintechs, payment service providers, marketplaces, and enterprises — through an API-first platform that abstracts the complexity of custody, compliance, settlement, and banking partnerships. We are a remote-first team across North America and Europe. We value high-quality work, clear thinking and ownership. The Role You’ll run fraud operations across everything we move: cards, ACH, wire, and stablecoin on- and off-ramps, with cards as the immediate focus while we launch our card programs. You’ll manage the daily fraud workflows, strengthen the policy and controls behind them, and work with our bank partners on fraud and dispute reporting. It’s a high-ownership role at a company moving quickly. You’ll run the operation day to day while helping build the processes and tooling that let it scale with Dakota. What You'll Do Maintain and improve Dakota’s anti-fraud policy, controls, and thresholds, and produce the fraud metrics that go to leadership. Run day-to-day fraud operations: triage, investigate, and decide on alerts and cases across cards, ACH, wire, and stablecoin transfers, and lead the post-mortem when something gets through. Serve as the primary point of contact for fraud escalations from our banking and processing partners, and from internal teams including customer support. Own card disputes and chargebacks once customer support hands them off: provisional credit, representment, network deadlines, and Regulation E timelines. Prepare fraud and dispute reporting for our bank partners, and respond to their oversight requests. Design fraud management processes that scale, using AI tools to minimize manual work. Tune our anti-fraud rules as typologies evolve: hunt emerging patterns before they surface as alerts or losses, measure rules against false-positive rates and alert-to-case conversion, and partner with Compliance and Engineering to ship changes. Help shape the fraud operations roadmap and tooling decisions: what we configure, what we build, what we buy. What We're Looking For 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, not just working its queue. Comfort working with data: using AI tools to dig through alert and case history, spot patterns, and turn them into 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 like TRM or Chainalysis. How We Work At Dakota, we value people who: Strive for excellence Practice extreme ownership Experiment fearlessly and learn quickly Stay close to customers Communicate clearly and directly What We Offer 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/desk at an office Health, dental, and vision insurance Regular team events and off-sites