Sr. Fraud Prevention Analyst

Responsibilities

• Researches potential fraud and communicates possible solutions. Verify potential fraud On Us Checks, Deposit and ACH as identified in the Bank's Fraud Detection System identifies high risk transactions with customer and/or business portfolios.
• Communicates fraudulent transactions with Management. Notify branch operations on any questionable items to obtain approval.
• Review and identify any unusual or suspicious activity to determine any potential losses.
• Monitors customer and transactional records to identify unauthorized transactions and fraudulent accounts.
• Ensure confidentiality of all information collected during investigations. Maintain all Fraud Logs up to date for management and accounting purposes.
• Track and retain return data for future reference and reporting.Interacts with the bank and customers to validate information and confirm or cancel authorizations.

Requirements

• 2 Year / Associate's Degree in Accounting preferred; additional experience may be considered in lieu of degree.
• Required 5 years of banking operations experience.
• Knowledge of investigative procedures and processes.
• Knowledge of banking standards, practices and procedures.
• Ability to utilize fraud detection software.
• Taking on new opportunities and tough challenges with a sense of urgency, high energy, and enthusiasm.
• Building partnerships and working collaboratively with others to meet shared objectives.
• Making good and timely decisions that keep the organization moving forward.
• Consistently achieving results, even under tough circumstances.
• Knowing the most effective and efficient processes to get things done, with a focus on continuous improvement.
• ADA Requirements:
• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
• The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• While performing the duties of this job, the employee is regularly required to sit and talk or hear, and use hands to finger, handle, or feel objects, tools, or controls.
• The employee is occasionally required to stand; walk; reach with hands and arms; and stoop, kneel, crouch, or crawl.
• The employee must occasionally lift and/or move up to 10 pounds.
• Specific vision abilities required by this job include close vision.
• The noise level in the work environment is usually moderate.
• #LI-AS1
• Pay Range: $23.00 - $31.00 hourly
• AIP Bonus up to 5%
• Our comprehensive employee benefits program is designed for you to live your best life at work, home, and everywhere in between. Employees working 25 hours or more per week are eligible for health benefits effective the first day of the month following or coinciding with their date of hire.
• Benefits package includes[1]:
• Medical, prescription, dental, and vision coverage for employees and their eligible family members
• Employer paid Employee Assistance Program, Life Insurance, AD&D, and Disability benefits
• Health Savings Account with employer contribution
• Healthcare and Dependent Care Flexible Spending Accounts and Commuter/Parking Benefit
• 401(k) and Roth 401(k) with company contribution
• 529 Education Savings plan, Tuition Reimbursement Program and Student Loan Assistance Program
• Supplemental Health plans, Voluntary Legal and Identity Theft Services
• 11 paid holidays, paid Sick days (accrual of one hour for every 30 hours worked), up to 25 paid vacation days, and 16 hours of paid volunteer time throughout the calendar year
• Free personal checking and savings account; Discounted rates on primary residence loan with $0 origination fees (restrictions apply)
• Final compensation package will be determined by the work experience, education, and/or skill level of the applicant along with internal equity and alignment with geographic ma

Benefits

Additional Information

Mechanics Bank is currently searching for a Sr. Fraud Prevention Analyst to join our team. Here at Mechanics Bank, we value connection, partnership, long term relationships and working together in person. This role will be working on-site. The Senior Fraud Prevention Analyst researches account activity to assess the risk level to ensure customer satisfaction. This positon is responsible for performing fraud monitoring related to the analysis of, in-clearing and internal On Us Checks, Deposits, Large Wire Transfers review and ACH transactions. Ensuring that all suspicious activity is reviewed in a timely manner to mitigate any potential risks.

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