MELFRI RYETTA
Onboarding And Credit Analyst
Jakarta
Summary
Experienced and committed financial professional with a strong background in management and risk analysis. Skilled in identifying, defining, and mitigating financial, operational, and reputation risks that arise from the ongoing management of the business, including customer service and third-party interactions. Holds certifications in digital marketing, KYC (Know Your Customer), and banking risk management.
Overview
5
5
years of professional experience
7
7
Certifications
Work History
Relationship Manager
PT. Bank Rakyat Indonesia Tbk
01.2020 - 12.2020
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Maintained knowledge on banking products and distribution to provide optimal service support.
- Achieved goals for sale of bank products and services and exceeded performance metrics for customer service.
Digital Operations Onboarding
PT Bank Seabank Indonesia
08.2021 - 08.2023
- Supported KYC processes for prospective and existing customers.
- Ensured compliance with regulatory requirements by conducting thorough customer due diligence checks.
- Analyzed and investigated clients to conduct detailed customer due diligence and enhanced due diligence review.
- Enhanced client onboarding process by streamlining KYC procedures and reducing turnaround time.
KYC Onboarding Team Leader
PT Bank Seabank Indonesia
08.2021 - 08.2023
- Set performance expectations for the team with 19 members, monitoring progress towards goals, and providing constructive feedback as needed.
- Developed team members skills through targeted coaching sessions, resulting in improved individual performance.
- Proactively identified potential bottlenecks in workflow processes and implemented solutions to maintain optimal productivity.
- Served as the primary point of contact for escalations related to KYC issues, resolving concerns promptly and professionally.
- Collaborated with cross-functional teams to resolve complex cases, ensuring regulatory compliance and minimizing risk exposure.
Credit Analyst
PT Bank Seabank Indonesia
08.2023 - 02.2024
- Analyzed credit scores to determine borrowers' creditworthiness.
- Evaluate credit applications for projects and businesses, objectively analyzing financial reports and collateral.
- Identify and mitigate potential risks in credit applications through thorough analysis, including domicile assessment based on the 1P, 5C principle.
- Collaborated with other teams to identify and mitigate risks impacting the organization.
Credit and Risk Analyst
PT Agriaku Digital Indonesia
02.2024 - 04.2024
- Ensured adherence to regulatory requirements by conducting regular reviews of policies, procedures, and controls related to risk management practices within the organization.
- Analyze lending data to derive actionable insights for the operations team, offering data-driven recommendations, and collaborate effectively across various departments, ensuring project goals and timelines are met.
Onboarding Analyst
PT Adira Dinamika Multifinance Tbk
06.2024 - Current
- Served as a subject matter expert on KYC matters, providing advice and support during regulatory examinations.
- Participated actively in process improvement initiatives, identifying areas for optimization within the KYC function.
- Achieved high levels of customer satisfaction through prompt resolution of queries related to KYC information or documentation requests.
- Assisted in updating policies and procedures to reflect changes in regulatory requirements while maintaining consistency across business lines.
Education
Bachelor of Economics - Management
Universitas Pembangunan Nasional Veteran
Yogyakarta 04.2001 -
Skills
Risk management
Certification
AML, KYC, Compliance, and Risk Awareness, Seabank Indonesia, 03/2023
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Languages
English
Upper intermediate (B2)
Timeline
Onboarding Analyst
PT Adira Dinamika Multifinance Tbk
06.2024 - Current
Credit and Risk Analyst
PT Agriaku Digital Indonesia
02.2024 - 04.2024
Credit Analyst
PT Bank Seabank Indonesia
08.2023 - 02.2024
Digital Operations Onboarding
PT Bank Seabank Indonesia
08.2021 - 08.2023
KYC Onboarding Team Leader
PT Bank Seabank Indonesia
08.2021 - 08.2023
Relationship Manager
PT. Bank Rakyat Indonesia Tbk
01.2020 - 12.2020
Bachelor of Economics - Management
Universitas Pembangunan Nasional Veteran
04.2001 -
AML, KYC, Compliance, and Risk Awareness, Seabank Indonesia, 03/2023
Banking Risk Management Level I & II, LSPP, 08/2022
Cyber and Data Security, Seabank Indonesia, 06/2021
Brilian Specialist Development Program, PT Bank Rakyat Indonesia Tbk., 02/2020
Digital Marketing Course, Purwadhika Startup and Coding School, 09/2019 - 12/2019
Volunteer with 1000 Guru Indonesia, 11/2018
YouthSpeak Indonesia by AIESEC in UPNVY, 11/2018
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