Hi, I’m
Fahmi Zulkarnaen
Operational Risk, Internal Control, Internal Audit, Anti Fraud, IT Risk Management
South Tangerang,BT
Summary
Dynamic risk management professional with extensive experience at BFI Finance Indonesia Tbk, specializing in operational risk and internal controls. Proven track record in enhancing risk frameworks and driving compliance through effective training and governance. Skilled in data analysis and fostering a culture of risk awareness, ensuring robust operational integrity and resilience.
Overview
14
years of professional experience
3
Certificates
1
Language
Work History
BFI Finance Indonesia Tbk
Operational Risk Head
12.2021 - 12.2025
Job overview
- Identify operational risks (processes, systems, human resources, third parties, and fraud indications). This is done through RCSA, workshops, and RSA within the work unit.
- Risk measurement and assessment (likelihood & impact), determining inherent risk, controls, control tests, and residual risk. Then comparing with risk appetite.
- Monitoring and reporting risks by monitoring action plans, Key Risk Indicators, Loss Event Database, and reporting to management every quarter.
- Governance, culture, and risk compliance (establishing operational risk policies), building risk awareness and risk culture by conducting workshops and training, coordinating with internal audit, corporate compliance, and risk owners
- Implement the annual RCSA process (risk identification, risk causes, impact, inherent risk, established controls, control testing, residual risk, and action plan)
- Delivered presentations and training courses to promote best practices for techniques and processes.
- Established clear lines of responsibility for managing specific operational risks within functional areas across the organization.
- Diagrammed and evaluated existing processes to identify gaps and devise solutions.
BFI Finance Indonesia Tbk
Internal Control Supervisor
07.2018 - 12.2021
Job overview
- Advised management on potential improvements to company-wide policies and procedures, driving continuous improvement within the organization.
- Collaborated closely with department managers to develop process improvements that increased efficiency and reduced errors in daily operations.
- Played a vital role in M&A transactions by evaluating target companies'' internal control environments, ensuring seamless post-acquisition integration efforts.
- Assisted executive leadership in strategic planning efforts by providing insights on potential risks associated with various business initiatives.
BFI Finance Indonesia Tbk
Compliance Audit Supervisor
02.2015 - 07.2018
Job overview
- Enhanced internal controls through thorough risk assessments and recommendations for improvements.
- Managed multiple concurrent audits, ensuring timely completion within budget constraints.
- Mentored junior auditors, providing guidance and feedback for professional growth and development.
- Conducted comprehensive audit reviews, identifying inaccuracies and areas for improvement.
BFI Finance Indonesia Tbk
Regional General Audit
07.2011 - 02.2015
Job overview
- Conducting branch audits in the South Sumatra region
- Conduct data analysis to see indications of risks and fraud that may arise in the branch
- Prepare a report on the results of the audit examination and report it to the regional manager and HO
- Provide training to teams related to work processes, policies, and data processing and analysis.
Education
Pancasila UniversityJakarta
Bachelor of Science from Accounting
04.2001
Skills
Enterprise Risk Management (ISO 31000 : 2018)
Certification
Enterprise Risk Management
Availability
See my work availability
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Available
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
ISO 27001 : 2022
07-2024
Business Continuity Management
09-2022
Enterprise Risk Management
02-2022
Operational Risk Head
BFI Finance Indonesia Tbk
12.2021 - 12.2025
Internal Control Supervisor
BFI Finance Indonesia Tbk
07.2018 - 12.2021
Compliance Audit Supervisor
BFI Finance Indonesia Tbk
02.2015 - 07.2018
Regional General Audit
BFI Finance Indonesia Tbk
07.2011 - 02.2015
Pancasila University
Bachelor of Science from Accounting
04.2001
Languages
English
Professional Working