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Debit and ATM Card Fraud Analyst

Bank of Hawaii

Oahu, HI
Job Code:
  • Financial Services
Bank of Hawaii
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Job Details

Debit and ATM Card Fraud Analyst-1700339

Bank of Hawaii
In 1897, Bank of Hawaii was the first chartered and incorporated bank in the Republic of Hawaii. We’ve been here from territorial days, growing and changing with Hawaii. Today, we are the largest independent bank in Hawaii – a result of knowing our business and community, and always staying ahead of change. At Bank of Hawaii, we think of ourselves as forward thinking pace setters. We are constantly finding creative ways to deliver leading edge financial services to our customers.  Now more than ever, we’re embracing change while using data and analytics to make informed decisions about our future.


It’s our analysts who help us succeed in finding and interpreting information and turning that information into actionable decisions.  As a member of the Bank of Hawaii community, you will be among the very best in your profession in an environment that places a high value on integrity, innovation and teamwork.  People who are agile, savvy, forward-thinking and entrepreneurial can learn and grow with us.

Does this sound like you?
Do you enjoy partnering with business units and providing a wide range of analysis?  Do you thrive in an environment that leverages your abilities as a fast learner, good listener, and problem-solver?  Are you a self-starter, comfortable with interpreting data into useful analytics?  If you love challenges, relish complexity, and have moxie, consider applying your unique talents with a Hawaii banking leader – Bank of Hawaii.  You will work with the business to ensure the highest standards of stewardship and control are maintained, all while driving continuous improvement and innovation. Welcome to your tomorrow!


A day in your life as a Debit and Credit Card Fraud Analyst
Under the direction of the Manager, this position is responsible for the overall management of BOH's Consumer and Business Debit Card and Bank Card risk mitigation program.  If applicable or appropriate, assists in business unit’s compliance with applicable laws, regulations, regulatory requirements and Bank policies and procedures, including but not limited to those related to Fair Banking, Anti-Money Laundering laws and regulations, Bank Secrecy Act and USA PATRIOT Act.  In addition, this position is responsible for demonstrating the Excellence in Sales/Service (ESS) philosophy by participating in and practicing ESS disciplines and behaviors.


We’ll give you these important responsibilities…

  • Fraud and Partner Strategy.  Identifies and communicates the financial, reputational, and additional risks of the portfolio to the larger enterprise.  Coordinates and communicates across BOH regarding risk-related events.  Leads fraud posture and improvement through regular communication with internal stakeholders, including Risk Management, Information Protection, Fraud & Loss Mitigation Operations, Compliance, Legal, Audit, Model Risk Management, Network Security, Technology, Channel Managers, and Product Managers.  Establishing fraud-risk performance criteria, thresholds, and performance metrics within BOH guidelines.  Monitoring, analyzing, and reporting historical and projected fraud performance.  Continuous refinement of fraud mitigation efforts and communications to ensure optimal customer experience and preference for BOH Debit Card products and ATMs. Builds relationships with peer banks, industry experts (e.g. Krebs), and networks to keep abreast of emerging fraud trends. 
  • Fraud Operations.  Develops, maintains and advances comprehensive risk strategies to maintain optimal performance in the areas of (1) Policy (non-fraud) and fraud authorization rules; (2) Rule optimization to minimize risk as well as false positive declines; and (3) Development of ongoing event response management policies and procedures.  Serves on various interdepartmental teams seeking to implement new initiatives, increase efficiencies, and work on other critical initiatives. 
  • Vendor Management.  Manages fraud third party service providers and performs model and performance validation and reporting to ensure vendors are meeting service levels.  Utilizes internal and vendor-sourced risk solutions.  Identifies, benchmarks and implements industry and vendor solutions for effective fraud management.  Evaluates new and existing tools and services including the development of ROI models and making recommendations for investment based on ROI analysis.  Ensures the Bank is up to date with latest fraud detection tools and processes.  
  • Ensures the ATM and Debit Card risk mitigation programs are compliant with all laws and regulations. Defines and implements controls to minimize risk within levels set by the corporation.  Addresses audit and compliance requests.
  • Performs all other miscellaneous responsibilities and duties as assigned.



…if you come to us with these qualifications…


  • Bachelor’s degree from accredited institution with major in business related field or equivalent work experience.



  • Minimum 7 years of relevant experience in increasingly responsible positions in banking, financial services, accounting and/or compliance/fraud or equivalent work experience. 
  • Previous process improvement/project management experience with significant roles and supervisory/leadership experience required.
  • Requires general knowledge of debit card programs, processing, networks and technologies and experience with network operating regulations and rules.


Technical Skills: 

  • Demonstrated proficiency and expertise with personal computers in a networked environment and Microsoft applications (Outlook, Word, Excel, Access and PowerPoint) or similar software. 
  • Knowledge of or ability to use Bank software and systems, including Bank, processor and network systems and interfaces.


Other Job Qualifications: 

  • Demonstrated verbal and written communication skills.
  • Demonstrated analytical skills/abilities to resourcefully solve problems and set priorities in a dynamic, fast paced environment. 
  • Able to quickly review large amounts of data, identify and solve complex issues and problems, with a focus on mitigating future occurrences. 
  • Must be able to work both independently and in a team environment, with a sense of urgency to meet deadlines. 
  • Strict attention to detail, and good planning and organizational skills.
  • Possesses a strong understanding of statistical tools, as well as the principles of cost/benefit analysis and risk management. 
  • Must be able to apply knowledge to emerging products/programs and evaluate and use new tools and solutions available in the market. 
  • Able to work flexible hours including holidays, weekends and evenings as needed or assigned. 
  • Must be able to provide own transportation or to operate a vehicle with a valid driver’s license and commute as required. 


All qualified applicants will receive consideration for employment and will not be discriminated against on the basis of any legally protected classification including race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or protected veteran status.  Bank of Hawaii takes affirmative action in support of its policy to advance in employment legally recognized individuals including minorities, women, protected veterans and individuals with disabilities.

Job Function Bank Operations
Primary Location Hawaii-Oahu
Schedule Full-time
Job Posting May 1, 2017, 2:35:45 PM
Unposting Date Ongoing

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