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Aqua Bamboo Application Period: September 25 – October 13, 2017
First Vice President
Executive Residential Loan Officer,
Private Lending Group
American Savings Bank
NMLS #363495
Equal Housing Lender
Mobile: (808) 228-8850
mluxton@asbhawaii.com
Michelle Luxton joins American Savings Bank’s Private Lending Group as a vice president and senior residential loan officer, with more than 8 years of industry experience. Prior to ASB, Michelle served as a producing branch sales manager for the Honolulu office of a national mortgage company, and was consistently ranked among company’s top 5 producers nationwide. Her Honolulu branch was also named as the company’s top producing branch each year she was there. Michelle’s outstanding work has been recognized by both her colleagues and customers, as she has been recognized as one of the Hawaii’s Top 100 Loan Officers multiple times.
An active member of the community, Michelle serves on the board of directors for the Outrigger Canoe Club and is a board member of the Punahou Alumni Association. She is also a member of a number of professional organizations, including the Hawaii Association of Mortgage Brokers (HAMB) and the Mortgage Bankers Association of Hawaii (MBAH).
Michelle is a graduate of Punahou School and Santa Clara University, where she played Division I volleyball, helping her team make their first NCAA Final Four appearance in school history and later captaining her team to two West Coast Conference titles. She also played a year of Division I tennis. Prior to her financial career, Michelle’s love of athletics led to a job in public relations for the San Jose Earthquakes, a professional soccer team based in California. She also continues to share her passion for volleyball with others, coaching indoor volleyball at Punahou School and beach volleyball at Outrigger Canoe Club. She also participates in adult tennis leagues and beach volleyball tournaments on both state and national levels.
Earlier this month she was promoted from regional executive and director of branch banking to executive vice president and director of consumer banking at the Honolulu-based bank.
Prior to the promotion, Aiu served as a regional executive and most recently as the director of retail banking.
“I’m definitely a loyal employee, and I was always engaged in the bank,” Aiu said, on her longevity with ASB.
But Aiu told Pacific Business News it’s her relationship with coworkers and customers that has had the biggest impact on her career.
“I have customers from my branch banking that still call on me,” she said. “Now I’m helping their children with their homes. Some now are retiring, or I get to meet their grandchildren. I feel that I’ve been a part of their life in helping them, whether it’s their own dreams of buying a house, buying a business or being able to help their children in college. That part has been super exciting.”
What are some goals you would like to accomplish in this new position?
A lot of our bank goals are based on making banking easier, which is a huge part of being the EVP of consumer banking. There are so many different choices for customers. You can do banking by mobile now and of course online, and we have our ATMs. Although I oversee the branches and the call center, it really is to help customers and help business owners. Banking oftentimes, even professionals find it complicated. I think banking is not boring. It is about deepening relationships and creating a culture where bankers really do want to help our customers in what they are doing. That’s my goal. It’s a huge goal. But I think it is complicated. There are so many options. Whether it is opening the doors and having them do a warm hand off to a financial consultant, or a business relationship manager, or even a loan officer for your first home purchase, that’s really what I want to do with ASB.
How is technology shaping the industry?
Technology is ever changing. Yet, we know that our culture in Hawaii is still somewhat different or special. On the Mainland you see the trending of transactions in branch going down quite a bit faster. In Hawaii, actually, doing your banking in the branch is important. But again, we want to give them solutions of the online banking space, mobile banking and the call center. We upgraded our online banking in June 2016 to an online platform for businesses and consumers. We’re not just trying to keep up, but stay ahead, with our mobile deposit, the ease of banking and being able to do your deposit via your cell phone. Our call center, I would consider it our biggest branch, because we get quite a bit of calls. We are a seven-day call center. It is locally based in Mililani. And we service a lot of our customers who choose to pick up the phone and get information.
How is ASB coping with the state’s low unemployment rate?
With the low unemployment rate, in your front line, whether it is with your call center or teller, attrition is a tad higher than other positions. But we work closely with our HR recruiting team. For the teller onboarding as well as the call center representative on boarding, we ensure that once you’re on, you have a buddy system.
What is the biggest challenge of your job?
I hope I’m not being vague, but I think that there’s always balance in what you do. In the role, a lot of your time is spent on being strategic. A lot of what I have done throughout the years has been through the relationships that I build, to create a balance of, not necessarily meetings, but folding in the strategic part as well as the accountability piece. You still need to know what’s actually happening in the branches and the call center. I think the visits and the time spent, not only in direction, but being a part of that is important. On the personal side, it’s also balance. I have two teenage boys and a husband, so that’s always a challenge for me to have that balance too.
What advice would you give to someone who wants to follow your career path?
Be true to who you are. Work hard for it and always set a goal. Setting milestones along the way is helpful too. Of course, I would want to be [ASB President and CEO] Rich Wacker, but that’s not my goal today. You always need to set milestones throughout the way. It’s so important to your success.
Closer Look
Dani Aiu
Executive vice president and director of consumer banking, American Savings Bank
Address: P.O Box 2300, Honolulu, HI 96804-2300
Phone: 808-541-8367
Email: daiu@asbhawaii.com
Website: asbhawaii.com
Anna Hrushka covers money and technology for Pacific Business News
Karwin Sui
Communications Manager
(808) 539-7268
ksui@asbhawaii.com
Dani Aiu is Executive Vice President, Consumer Banking of American Savings Bank (ASB). She leads the bank’s Consumer Banking team, including the bank’s statewide branch network, Customer Banking Center, Home Loans, American Insurance & Investments and Business Banking teams.
Aiu started her decades-long career in banking as a teller in 1995. Over the years, she quickly progressed through various leadership roles, including Financial Services Representative, Branch Manager, Regional Executive and Director of Branch Banking. Today, she is responsible for leading ASB's statewide branch network of 500 teammates working in branches conveniently located on five islands.
Dani’s leadership extends into the community, where she is a passionate advocate for causes she believes in. She currently serves as a board member of the Boys & Girls Club of Hawaii and advisory board member for Kupu Hawaii. She previously served on the Patsy T. Mink Center for Business and Leadership advisory board and was a board member of the KEY Project, an organization dedicated to serving low-income and at-risk youth in the Kualoa and Heeia areas on Oahu.
Dani is a proud alumni of the University of Hawaii at Manoa. In 2017, she was named a Pacific Business News’ Women Who Mean Business honoree.
If you asked Emi Au what she thought her career path would look like while still a high school student in Southern California, she probably would have said veterinary school was part of the plan.
But after witnessing her first euthanasia as a vet’s assistant in high school, she realized the profession wasn’t for her.
“Accounting classes really clicked for me,” she told Pacific Business News, when asked what her backup plan was.
The numbers game was a fit for Au, who started her career with Accuity LLP in 2005, eventually landing leadership roles at three of Hawaii’s major financial institutions, First Hawaiian Bank, Central Pacific Bank, and her current role as first vice president, director of financial planning and analysis at American Savings Bank.
At American Savings Bank, Au oversees a team of six and is responsible for the annual operating budget for the bank, conducting quarterly forecasting and managing risk reports.
Au’s leadership skills have been recognized outside of the ASB offices, as she was part of the inaugural cohort of the Patsy T. Mink Leadership Alliance, a six-month program that looks to grow and develop the leadership skills of emerging professional female leaders.
Au also lends her financial expertise to several nonprofits, where she serves as a board member and treasurer of Junior Achievement Hawaii, as well as a board member and finance committee member of the YWCA of Oahu.
While a career as a veterinarian was ultimately not in the cards for Au, she still finds the time to engage in what she calls a passion of hers.
“I’m big on animal rights,” she said, adding she volunteers at the Hawaiian Humane Society, where she educates youth about foster care, as well as takes on the role of foster mom to rescue kittens.
Activities
Junior Achievement Hawaii, YWCA of Oahu, Hawaiian Humane Society, Institute for Human Services
Anna Hrushka covers money and technology for Pacific Business News
Hrushka, Anna. “Emi Au, 34 - First vice president, director of financial planning & analysis, American Savings Bank.” Pacific Business News 9 June 2017
Karwin Sui
Communications Manager
(808) 539-7268
ksui@asbhawaii.com
This solution applies to one-time debit card and ATM transactions. If you choose to participate in Debit Card Coverage, you can cancel at any time. If you do not participate now, you can choose to do so later.
See What You Need to Know about Overdrafts and Overdraft Fees for more information.
Online Update Process: To make changes to an existing account, you must first be enrolled in Online Banking. Then, log in to online banking and go to “Menu”, “Services” and then click or tap on “Overdraft Solutions” to make your selection from the drop-down menu.
You may also cancel Debit Card Coverage at any time by:
This service automatically comes with your checking account and covers checks and electronic payments. It does not cover ATM or one-time debit card transactions. If we do not authorize and pay an overdraft, your transaction will be declined.
Under our standard overdraft practices:
This line of credit can be used to pay for emergency expenses or to protect your American Savings Bank checking account against overdrafts. An annual fee and finance charges on the outstanding balance apply. This program is subject to credit approval.
Links your Statement Savings or Tiered Savings account to your checking account. Money in your savings account can cover overdrafts on your checking account. There is a savings overdraft transfer fee per day that a transfer is made. Kalo PlusSM checking accounts enjoy a fee discount while Kalo DeluxeSM checking accounts have their fee waived. Please refer to the Personal Deposit Account Disclosure and Fees.
