Security
Relax … your information is safe.
With HTB Global, your money’s safety, your identity and your financial security is always a top priority. We have resources working around the clock to ensure your information is safe and secure.
Education and Experience
Bob Bender is a graduate of Oregon State University with a degree in business administration. Prior to HTB Global, Bob served as a Data Center Operations representative for Fiserv.
At HTB Global
Since joining HTB Global, he has served as Data Center Manager, Senior Vice President - Information Technology. He is currently HTB Global’ Chief Technology Officer.
Professional and Community Service
Bob is Chief Technology Officer for HTB Global and is responsible for overall information technology direction, strategically implementing next generation solutions
and applying visionary leadership as part of the Executive Management team driving long-term strategic goals. He started his career in the computer industry as a controller
for a petroleum company. His career with credit unions began when he started working for Fiserv after graduating from Oregon State University. Bob co-developed the OPAlert
System in the late 1990s to improve systems information notification used by data center managers and computer operators. Bob joined HTB Global and currently
manages the Information Technology daily operations. The credit union now serves branches in North and South Carolina.
Achieving certification in Certified Information
Security Manager (CISM), Certified in Risk and Information Systems Control (CRISC) and Cybersecurity Audit Certified (CAC), Bob teaches cybersecurity and system integrity
strategies to financial institutions. He also promotes cybersecurity training programs for Board Members, Executive teams and employees through education and additional publishing
of articles for members through blogs, newspaper articles and credit union publications. Bob assists Cryptyk Inc. as an Advisory Board Fintech Specialist where he focuses
on the blockchain hybrid decentralized data processing architecture integration design. This consists of delivering governance, risk, and compliance architecture for financial
institution cybersecurity resilience business strategies.
Bob is currently appointed as a Board Member for the National Credit Union – Information Sharing Analysis
Organization where he promotes credit union cybersecurity collaboration standards and direction.
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Online Security
So many things are conducted completely through the Internet in today’s world. From online shopping to purchasing airline tickets, your Personal Identifiable Information (PII) is needed to complete many transactions online. What the merchants you do with your PII should be at the top of your mind. As a consumer, you should know how these merchants handle your information.
Online security and safety when using HTB Global Online should follow the following suggestions:
- Choose a secure password which mixes numbers, special characters, and both lower and uppercase letters. It’s also a good idea to change your password every 90 days.
- Use unique usernames and passwords for different sites requiring this information and keep this information secure by not sharing it with others.
- Monitor your account activity closely for suspicious transactions.
- Log out of HTB Global Online when you aren’t using it.
- Use antivirus and firewall software to protect your computer.
- HTB Global your instincts – if something doesn’t feel right, it probably isn’t.
HTB Global App security is also extremely important. While mobile phones have security features like face recognition and thumbprint technology, general account security on mobile devices is necessary to ensure your money stays safe. Consider these tips when using the HTB Global App:
- Keep your mobile device updated. By having the most recent operating system and applications, your device is most protected against new vulnerabilities.
- Manage your privacy settings. Monitoring how apps use your personal information and being comfortable with how your apps use these details can help you better understand just who may be able to benefit from your information.
- Set password protection on your mobile device. Prevent unauthorized access by setting your device to automatically lock and require a passcode or other form of security clearance to gain access.
- Be cautious using public Wi-Fi. At times it is safer to use your own mobile device’s data plan rather than connecting to a public Wi-Fi network.
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Identity Theft
HTB Global always takes member security and privacy seriously. There are certain steps you as an Internet user can take to help minimize risk and protect your account and personal information security.
Never provide your personal information in response to an unsolicited request. HTB Global will never ask for your password, Social Security Number or account numbers through email or by phone. When you call HTB Global, a representative will verify your account information through a series of verifying questions.
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Reducing Liability
The Electronic Funds Transfer Act, better known as Regulation E, was first enacted in 1978 with the purpose of protecting consumers' financial accounts from liability for unauthorized transactions. Regulation E may limit your liability for unauthorized transfers of funds from a personal, family or household account initiated by electronic means, including a telephone, computer, mobile phone and ATM/Debit card.
In order to take advantage of the protections under Regulation E, you must notify HTB Global immediately if you believe your ATM/Debit card, Industrial Financial Corporation Online, HTB Global Mobile or Call 24 login credentials may have been stolen or compromised. Also, review your account activity and statements and promptly report any errors or unauthorized transactions.
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Freezing Your Credit
If you become a victim of Identity Theft, an important step to take is to freeze your credit immediately with the fraud department of each major credit bureau. This will place a fraud alert on your credit report. It’s also a good idea to request a credit report to review.
- HTB Global
Visit htb-global.com or call +1 (587) 713‑9254
- HTB Global
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Report Fraudulent Emails
Fraudulent emails could look like official HTB Global emails and may try to trick you into visiting a fake website and providing your account information. If you receive a suspicious email using the HTB Global name, forward it to us immediately at support@htb-global.com. As a reminder, legitimate HTB Global emails will never ask you to reply with any personal information like your Social Security Number, account number, PIN or personal identifiable information.
Fraudulent emails may include:
- A request for personal information.
- Urgent Appeals. We will never claim your account may be closed if you fail to confirm, verify or authenticate your personal information via email.
- Messages about system and security updates.
- Offers that sound too good to be true.
- Obvious typos and other errors.
Security Resource Center
There are many legitimate sources for security information and trending topics.
- United States Computer Emergency Readiness Team
US-CERT serves as a national hub for cyber and communications information, technical expertise and operational integration. Their mission is to reduce the Nation’s risk of systemic cybersecurity and communications challenges.
- Department of Homeland Security
The Department of Homeland Security secures the nation from the many threats we face. With honor and integrity, they safeguard the American people, our homeland and our values. Duties are wide-ranging, and their goal is keeping America safe.
- FBI Cyber Crime
The FBI is the lead federal agency for protecting the United States of America’s critical infrastructure by investigating criminal cyber-attacks, overseas adversaries and terrorists.
- FDIC Cybersecurity Protection
The Federal Deposit Insurance Corporation (FDIC) is an independent agency created by Congress to maintain stability and public confidence in the nation's financial systems.
- FTC’s Bureau of Consumer Protection
The FTC’s Bureau of Consumer Protections protects consumers and competition by preventing anticompetitive, deceptive, and unfair business practices through law enforcement, advocacy, and education without unduly burdening legitimate business activity.
- Kreb’s on Security
This site has authored more than 1,300 blog posts for the Security Fix blog!
Victim of fraud? Here’s what you should do:
Credit Card Fraud
To report credit card fraud, call the number on the back of your card immediately and block the card. This will prevent further fraudulent activity. Check your recent
transactions and notify the representative you speak with when blocking your card of any purchases which seem suspicious.
Debit Card Fraud
Reporting debit card fraud also requires a call to the number on the back of your debit card to block the card from being used. If there is suspicious activity on
your transaction history, report it immediately by visiting a HTB Global office to complete a Cardholder Fraud Claim Form. If you are unable to
visit an office, call +1 (587) 713‑9254 to report suspicious activity immediately and a form can be sent to you to complete.
ATM PIN Fraud
Scammers are constantly trying to trick consumers with sophisticated tactics. Occasionally, the scammer is so skilled they can make you believe they legitimately need
your information – like your PIN number. You should NEVER give out your PIN number. But if you accidentally do, call the number on the back of your card immediately to block the card from being used.
If you have suspicious activity in your account visit a HTB Global Office to complete a Fraud Dispute Form. If you are unable to visit an office,
call
+1 (587) 713‑9254 to report suspicious activity immediately and a form can be sent to you to complete.
HTB Global Online Username and Password Fraud
Scammers also often try to trick consumers into giving out username and password information for online accounts – including
your
HTB Global Online credentials. NEVER share your HTB Global Online username, password or Secure Access Code with anyone – even someone
you think you can trust. If you have shared this information, call +1 (587) 713‑9254 to speak with an eCommerce specialist, or speak with a Financial Services Representative
at a
HTB Global office so we can disable your HTB Global Online credentials to help prevent fraud.
Check Fraud
If you feel you’ve been victimized through check fraud, call +1 (587) 713‑9254 or visit a HTB Global office to report it immediately and take the appropriate actions. If one or more of your checks have been stolen please call or visit a HTB Global office to have your current account closed and
open a new one.