Alem Ivandry

• Client Needs Assessment & Solution Design: Identify and analyze client challenges, designing effective solutions and strategies to enhance performance and efficiency.
• Implementation & Reporting: Measure the impact of implemented solutions, prepare reports and presentations on findings, and provide actionable recommendations for improvement.
• Training Development & Evaluation: Create tailored training materials, deliver engaging sessions, assess participant progress, and compile reports on training outcomes for future enhancements.

• Regulatory Monitoring & Compliance Testing: Monitor external regulations and laws, conduct compliance testing, and assess financing processes against internal and external regulations.
• Policy Review & Improvement: Review and recommend updates to company policies, procedures, and systems to ensure alignment with prevailing laws and regulations.
• Product Compliance Assessment: Conduct compliance assessments for new products and manage the submission approval and licensing process with regulators (BI/OJK).
• AML/CFT Policy Preparation: Prepare and regularly update compliance policies and procedures related to Anti-Money Laundering (AML) and Counter Financing of Terrorism (CFT), ensuring timely reporting to regulators.
• Compliance Reporting : Prepare monthly bank compliance reports and semesterly Compliance Director reports for OJK, along with conducting self-assessments and preparing the GCG Annual Report.
• Regulatory Liaison: Act as the liaison officer for the bank with regulators during supervision and inspections, and assist the Sharia Board Supervisory (DPS) in preparing semesterly reports for OJK.
• Training & Risk Management: Conduct training to promote compliance awareness, monitor compliance risk in collaboration with the Risk Management Division, and prepare compliance reports for internal and external stakeholders.

• Regulatory Monitoring & Documentation: Monitor and distribute updates on new regulations from regulators (BI, OJK, PPATK, LPS) and maintain an updated external provisions database.
• Policy Review & Compliance Assessment: Review and recommend updates to company policies and procedures, and conduct compliance assessments for financing processes, new products, and activities.
• Regulatory Compliance & Reporting: Ensure the bank's compliance with commitments to regulators and monitor the accuracy and timeliness of reports submitted to OJK, BI, PPATK, and LPS.
• GCG assessment & reporting: Prepare assessment and compile data for the Annual GCG report, Semester RBBR GCG report, and Integrated GCG report, along with monitoring GCG implementation results for internal stakeholders.
• Internal Procedure Management: Oversee bank internal procedures, including registration, review, director approval requests, distribution, and documentation
• Training & Relationship Management: Provide training on compliance programs to staff and maintain strong communication and relationships with regulators (OJK, BI, PPATK).

Compliance & Risk Management at holding :

• Policy Assessment & Improvement: Assess and evaluate the effectiveness of company policies, regulations, systems, and procedures, and recommend updates to ensure compliance with prevailing laws and regulations, including monitoring licensing and new product launches.
• Risk Management: Maintain a robust risk identification, measurement, and management process aligned with the company’s strategy and risk appetite, developing policies and guidelines for effective implementation.
• AML & CFT Program Development: Develop and update policies and procedures for the Anti-Money Laundering (AML) and Counter Financing of Terrorism (CFT) program to effectively manage and mitigate associated risks based on thorough risk assessments.

Risk Oversight Committee at BPR Group Modern

• Risk Management Assurance: Ensure the risk management framework adequately protects the company against various risks and monitor the implementation of the Risk Management Unit's tasks.
• Policy Evaluation & Recommendations: Provide independent professional opinions and recommendations to the Board of Commissioners regarding the suitability of policies and their implementation in relation to risk management.

• Compliance Risk Management: Identify, measure, monitor, and control compliance risks in line with OJK regulations regarding risk management for commercial banks.
• Policy Evaluation: Assess and evaluate the effectiveness and adequacy of the bank's policies, regulations, systems, and procedures against prevailing laws and regulations.
• Policy Improvement: Review and recommend updates to bank policies and procedures to ensure alignment with regulator regulations and applicable laws.
• Compliance Culture Promotion: Ensure the bank’s activities and commitments to regulators are compliant, while fostering a culture of compliance throughout all levels of the organization.

• Compliance Assessment: Conduct assessments of funding and financing processes across retail, commercial, and corporate segments to ensure adherence to internal and external regulations.
• New Product Evaluation: Assess compliance for new products and activities before their launch to ensure regulatory alignment.
• Policy Review & Sharia Compliance: Evaluate and update internal policies based on changes in external regulations and ensure all funding and financing practices comply with Sharia principles.
• Regulatory Reporting & Fulfillment Monitoring: Monitor and remind stakeholders about monthly, semester, and annual reporting requirements to regulators (BI/OJK) and ensure commitments from regulators and internal audits are met.
• Training & Compliance Functions: Ensure the effective implementation of KYC, AML, and Good Corporate Governance (GCG) measures, while providing training to staff on compliance programs and regulatory requirements.

• Compliance Assessment: Conduct assessments of the financing process and decisions across retail, commercial, and corporate segments, ensuring alignment with internal and external regulations.
• New Product Evaluation: Perform compliance assessments for new products and activities prior to launch to ensure regulatory adherence.
• Policy Review: Evaluate and update internal policies and procedures in response to changes in external regulations.
• Pre-Disbursement Monitoring: Ensure that all compliance notes are addressed before financing disbursement and monitor monthly financing booking achievements and quality.
• Regulatory Implementation Oversight: Verify the effective implementation of Know Your Customer (KYC) and Anti-Money Laundering (AML) measures, as well as the adherence to Good Corporate Governance (GCG) and the Code of Conduct (CoC).

• Loan Eligibility Analysis & Approval Management: Analyze the eligibility of applicants for Citibank credit card and personal loan products, assign approval limits, and maintain a maximum of two business days for pending applications.
• Issue Resolution & Customer Upgrades: Address customer issues related to Citibank credit cards and review applications for credit card upgrades or limit increases.
• Target Achievement & Deviation Management: Maximize deviation caps to reduce cancellation and rejection rates, while achieving target approvals, especially for Key Corporate Account and Premium Banking customers.
• Compliance Reporting & Self-Assessment: In addition, I am responsibly Conduct report control and self-assessment to ensure compliance in credit processing and decision-making for both the Personal Loan Unit and Credit Card Unit.

• Loan Eligibility & Approval Management: Analyze potential applicants' eligibility for housing loans, assign approval limits, and ensure pending inventory remains within a maximum of five business days.
• Financial Verification & Property Assessment: Verify customers' financial reports, conduct business visits for existence verification, and analyze the value of houses and land through appraisals.