Lead Fraud Prevention Analyst

Mechanics Bank; Cerritos (CA); On-site; USD 41,000 - 55,000; Full time

Benefits offered by this job

Health benefits

401(k) and retirement plan

Paid holidays and PTO

Employee assistance program

On-site role

Job summary

Mechanics Bank is seeking a Lead Fraud Prevention Analyst to join our team on site in California. You will lead a team, identify fraud patterns, and coordinate responses across payment services issuers, acquirers, and merchants.

You will review On Us Checks, deposits, ACH and wire activity, ensuring timely investigation and risk mitigation while maintaining customer satisfaction. The role requires extensive banking operations experience and leadership abilities, with a focus on fraud detection

Qualifications

• 2 Year / Associate Degree preferred.
• AA Degree or equivalent experience preferred.
• Minimum 5 years experience in Banking Operations.
• Minimum 3 years Leadership experience preferred.
• Knowledge of investigative procedures and processes.

Responsibilities

• Assist in training new employees and provide day-to-day oversight.
• Research potential fraud and communicate possible solutions.
• Verify potential fraud On Us Checks, deposits and ACH as identified by the Fraud Detection System.
• Communicate fraudulent transactions with Management and obtain branch approvals.
• Monitor records to identify unauthorized transactions and fraudulent accounts.
• Maintain Fraud Logs and ensure confidentiality during investigations.
• Track and retain return data for reporting purposes.
• Validate information with bank and customers; confirm or cancel authorizations.
• Monitor Online Interfaces and perform end-of-day balancing with core systems.

Skills

Leadership

Banking operations

Fraud detection software

Fraud investigation

Training & mentoring

Education

AA Degree or equivalent

2 Year / Associate Degree preferred

Tools

Fraud Detection System

Online Interfaces monitoring

Job description

Sep 16, 2026

Mechanics Bank is currently searching for a Lead 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.
Provides work direction and guidance to the Fraud Prevention Analysts by conducting analysis to identify trends relating to fraudulent or suspicious activity with payment services issuers, acquires and merchants. Researches account activity to assess the risk level to ensure customer satisfaction. This position 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.

What you will do:

• Assist in training new employees and provides oversight in the day to day functions of the department. As a subject matter expert for employees to reach out to.

• 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.

• 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.

• Monitor status of Online Interfaces to ensure all communications lines are functional and resolve any problems with appropriate vendors. Perform end-of-day balancing with Federal Reserve, Core Deposits system, and foreign exchange correspondent relationship. Research and resolve wire validation errors.

Who you are:

• 2 Year / Associate Degree preferred.

• AA Degree or equivalent experience preferred.

• Minimum 5 years experience in Banking Operations.

• Minimum 3 years Leadership experience preferred.

• Knowledge of investigative procedures and processes.

• Knowledge of banking standards, practices and procedures.

• Ability to utilize fraud detection software.

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: $30.00 - $40.00hourly

AIP Bonus Up To 10 %

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 market data.

• Mechanics Bank is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, religion, national origin, age, genetic information, veteran status, or on the basis of disability, gender identity, sexual orientation or other bases prohibited by applicable law.

• Please view Equal Employment Opportunity Posters provided by OFCCPhere.

• To learn more about Mechanics Bank's California privacy and security policies, including your right to a Notice At Collection as a California Resident, please visit

  California Privacy Policy for Prospective Employees | Mechanics Bank

[1] The benefits listed in this job posting reflect the Bank's most reasonable and genuinely expected benefits offered for this position.