Tio Geraldo Hutabarat

Core Banking

Oversaw core banking operations, including savings and deposit products. Developed and implemented a savings automation product, streamlining customer experience and increasing efficiency.

Payment Systems:

• Managed payment systems utilizing QRIS Payment Indonesia for seamless Paylater transactions.
• Handled real-time online transfers and BI FAST, ensuring quick and secure transactions for customers.
• Managed payroll product
• Managed limit management system

Tax Management

· Managed tax processes related to the interest on savings and deposit products, ensuring compliance with regulatory requirements.

• Intrabank Transfer: Manage Intrabank Transfer Back End Development, Manage Intrabank Transfer Front End Development, Lead and coordinate each aspect for product development (vendor, infrastructure, regulator), manage all JIRA's ticket for intrabank transfer development, Create PRD's Intrabank transfer with account number and proxy, and Intrabank UI UX product design coordination.
• Interbank Transfer: Manage RTOL Transfer Back End Development, Manage BI FAST Transfer Back End Development, Manage SKN RTGS Transfer Back End development, Manage Interbank Transfer Front End Development , Lead and coordinate each aspect for product development (vendor, infrastructure, switching, and regulator), manage all JIRA's ticket for interbank transfer development, Create PRD's RTOL and BI FAST transfer with account number and proxy, Interbank UI UX product design coordination, Manage limit management and BI FAST Proxy Management.
• Bill Payment: Manage top up Ewallet and Emoney for product features, Analyze business and aggregator to connect with bank, Create idea and method to make customers comfortable with a new gen banking mobile app, and create logic to accommodate bill product inventory and payments according to product constructs such as product ID, code, etc.
• Operation (Digital Bank and Bond's Recontiliation, Settlement, and Reporting):
  - Execute bond trades on behalf of clients or the company.
  - Ensure timely and accurate execution of trades.
  - Build and maintain relationships with clients, including institutional investors, fund managers, and other financial institutions.
• Business Landscape Analysis:
  - Competitor Analysis: Conduct thorough research on competitors in the lending industry.
  - Analyze competitor products, pricing strategies, and market positioning.
  - Monitor and report on changes in competitor offerings and strategies.
  - Spearheaded product improvements and updates based on customer feedback.

• Responsible for making QR Payment Interconnection Technical Specification (GPN);
• Responsible for QR Network between ALTO and members;
• Responsible for making Electronic Bills Invoices Presentment Payment Interconnection Technical Specification;
• Responsible for making Electronic Bills Invoices Presentment Payment Interconnection Report Specification;
• Prepare an Electronic money permit application as Principal;
• Develop financial service products open banking;
• ALTOPay Biller Product Design dan Analysis;
• Market research, Analysis and Projections Biller ;
• Design, Architecture, Flow Altopay Biller;
• Requirement, Modules and Features Normal and Abnormal case Altopay Biller;
• Coordinating with Business IT, Security, and Operations;
• Coordinate with Regulators and Clients;
• BCA Digital Project and Product Manager (Transfer in/out, QRIS, VISA, and Biller);
• Manage internal coordination, legal, regulation, compliance, workshop, project prioritisation BCA Digital;
• Virtual Account's Altopay Product Manager;
• Altopay Disburse, Remittance Product Bugs Fixing;
• Product Monitoring and Maintenance: Deliver QRIS JSON Product;
• Product Features and Enhancement: Business, Operational, Compliance Requirements;
• Product Monitoring, and Maintenance: Manage QRIS, Cardless ATM CRM, Manage E-Money Virtual Card Issuance,Implementasi ATM CRM JCB Amex, Manage development Web Claim Online Dev (AJDirect, Card Deposit, Visa)

• Making recommendations to fund managers - Analysing financial information relating to specific companies, e.g
• Company results, profit and loss, balance sheet and cash flow statements to determine how an organisation is positioned to deliver for investors. - Keeping up to date with market developments, new investment products and all other areas that can affect the markets, e.g
• Movements in the economies of relevant countries - Conducting due diligence on companies and industries by researching, reading financial statements and market data. - Monitoring the financial news using specialist media sources.