Central Pacific Financial Corp New · NYSE:CPF
Central Pacific Financial Corp New — Central Pacific Financial — CPB Rising Tide Webinar (March 2026)
27 slides from Central Pacific Financial Corp New's conference presentation, Mar 25, 2026
Slide 1: Protect What You’ve Built: Practical Fraud Prevention for Hawaii Businesses
Protect What You’ve Built: Practical Fraud Prevention for Hawaii Businesses March 25, 2026
Slide 2: CPB Rising Tide is backed by Central Pacific Bank
CPB Rising Tide is backed by Central Pacific Bank. To learn more or join the CPB Rising Tide community, visit CPBrisingtide.com or scan the QR code. Member FDIC
Slide 3: Speakers
Speakers John F Tobon Roger Lee Mitzi Lee Principal Vice President Vice President Tobon Consulting Director of Information Director of Financial Security Crimes Security Central Pacific Bank Central Pacific Bank
Slide 4: Why This Matters and the Current Threat Landscape
Why This Matters and the Current Threat Landscape • The scale of fraud today • Criminal groups operate like businesses – organized/industrialized • Fraud has changed in the past 2 – 5 years • Smaller businesses are now primary targets • Rise of AI enabled fraud • Lowers barriers to entry and acceler
Slide 5: Why the Human Element Matters
Why the Human Element Matters Technology enables fraud, but people enable success: • Social Engineering • Trust Exploitation • Emotional Manipulation • Technical Sophistication And because we live in Hawaii: • Aloha • Respect for elders • Community trust 5
Slide 6: Why We Fall For It
Why We Fall For It Psychological Drivers • Authority bias • Urgency and fear triggers • Reciprocity and relationship grooming • Loneliness • Financial stress and FOMO in investment scams 6
Slide 7: Why We Fall For It
Why We Fall For It Organizational Weak Points • Overreliance on email approvals • Lack of call-back verification • Training fatigue • Cultural reluctance to question authority • Remote work isolation 7
Slide 8: Common Fraud Scenarios
Common Fraud Scenarios Business Email Compromise • Deceptive or compromised email account that looks like it's from a business Account Take Over • Credential stuffing, MFA fatigue attacks Impersonation Scams • “Unusual activity on your account”, fake fraud alerts Central Pacific Bank 8
Slide 9: Fraud Attack Chain
Fraud Attack Chain Identify and put in place mitigations for each step Step 1 Step 2 Step 3 Step 4 Reconnaissance Targeting & Prep Initial Contact Exploitation Information Gathering Attack Planning The Hook Gaining Access Step 5 Step 6 Step 7 Persistence & Escalation Execution Cover-Up & Monetizatio
Slide 10: Fraud Attack Chain
Fraud Attack Chain • Reconnaissance: Information Gathering • Limit personal and business information on social media • Privacy settings on online accounts • Monitor for company data in breach databases • Targeting & Preparation: Attack Planning • Verify sender email addresses and domains carefully •
Slide 11: Fraud Attack Chain
Fraud Attack Chain • Initial Contact: The Hook • Pause before responding • Never click links in unsolicited communications • Contact organization using known numbers • Enable MFA for all accounts with distinct factors • Exploitation: Gaining Access • Use complex passwords with a password manager • N
Slide 12: Cyber Hygiene Tips - Passwords
Cyber Hygiene Tips - Passwords Table courtesy of Hive Systems Useful email security/password links: www.passwordmonster.com www.haveibeenpwned.com 12 Central Pacific Bank
Slide 13: Fraud Attack Chain
Fraud Attack Chain • Persistence & Escalation: Expanding Control • Review account activity and settings regularly • Monitor for unauthorized password changes • Check email forwarding and filter rules regularly • Set-up account alerts wherever possible • Execution: Financial Strike • Enroll in positi
Slide 14: Other Security Tips
Other Security Tips • Train your employees • Limit information you post on your social media • Secure your wireless network • Avoid open Wi-Fi networks • Make sure 3rd parties are safe and secure • Avoid freeware where possible • Don’t mix work and personal • Consider cyber insurance 14 Central Paci
Slide 15: A 2025 study conducted by the Association of Certified Fraud Examiners show:
A 2025 study conducted by the Association of Certified Fraud Examiners show: Central Pacific Bank 15
Slide 16: Strategies to Consider
Strategies to Consider • Assess your business risk • Focus on security awareness, email & malware protections; endpoint security, secure configuration standards, and patch management • Partner with a security solutions provider to augment skills deficit and improve security posture. • Establish an i
Slide 17: Are checks a secure form of payment?
Are checks a secure form of payment? • Check fraud is a high-volume threat • Cases increased 11% in 2025 • 11 billion checks written in the US • Driven by: • The postal system not being secure • Sophisticated, organized crime rings • Leaping advances with AI Central Pacific Bank 17
Slide 18: If you need to write checks:
If you need to write checks: • Hand deliver the check • Drop it off inside a post office • Follow up with the payee after mailing the check • Timely review your bank statements • Enroll in Check Positive Pay Central Pacific Bank 18
Slide 19: Check Positive Pay
Check Positive Pay • Advanced bank fraud prevention service that verifies the check number and dollar amount. • Reduces fraud by catching altered, washed, or counterfeit checks that might otherwise bypass standard verification. • Businesses upload a file of issued checks (including check number, amo
Slide 20: Alternatives to Paying by Check
Alternatives to Paying by Check: • ACH Transfers • Wire Transfers • Online Payment Platforms • Corporate Credit Cards Central Pacific Bank 20
Slide 21: Real Fraud Incidents: Funds Available vs Funds Have Cleared
Real Fraud Incidents: Funds Available vs Funds Have Cleared Central Pacific Bank 21
Slide 22: Real Fraud Incidents
Real Fraud Incidents: Central Pacific Bank 22
Slide 23: What To Do After a Fraud Incident
What To Do After a Fraud Incident First 24 Hours (Critical Window) Immediate actions • Stop payment / recall wires • Notify financial institution • Preserve logs and communications • Activate incident response plan • File IC3 complaint Post-Incident Hardening • Control gap analysis • Training refres
Slide 24: What To Do After a Fraud Incident
What To Do After a Fraud Incident Speed matters: Recovery odds drop sharply after 72 hours Treat fraud like a safety incident, not just a loss event. 24
Slide 25: Federal Resources Available in Hawai‘i
Federal Resources Available in Hawai‘i Reporting and Investigative • FBI Internet Crime Complaint Center (IC3) • FBI Honolulu Field Office • U.S. Secret Service (financial crimes) • Homeland Security Investigations (HSI) Victim Support • National Elder Fraud Hotline • FTC IdentityTheft.gov • Treasur
Slide 26: Hawai‘i State & Local Resources
Hawai‘i State & Local Resources State-Level • Hawai‘i Department of Commerce and Consumer Affairs (DCCA) • Hawai‘i Attorney General Fraud and Consumer Protection Division • Securities Compliance Branch (investment fraud) • Office of Consumer Protection Local / Community • Honolulu Police Department
Slide 27: Mahalo!
Mahalo!
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