Zhabrina Hikari Apsara

• Prepared and reviewed legal documents such as agreements, engagement letter, with attention to detail and accuracy.
• Supporting IT procurement, payment system (QRIS, card), and business activities

As a Legal & Custody Specialist at Bank Jago, I specialize in ensuring robust legal framework for Partnership Business division. Key responsibilities include:

• Loan & Cooperation Agreement Review: Conducting thorough reviews of loan agreements (direct lending) and cooperation agreements with multifinance and peer-to-peer lending companies, focusing on channeling and joint financing (indirect lending)
• Drafting Legal Documents: Drafting standard NDA, loan and cooperation agreements to ensure compliance and protect the interests of the bank.
• Signing Events Coordination: Organizing signing events with notaries and debtors to facilitate smooth transactions.
• Legal Due Diligence: Performing comprehensive legal due diligence to assess potential risks and ensure all parties are compliant with regulations.
• Legal Opinions: Providing expert legal opinions to our partnership business division to support strategic decisions.
• Partner/Debtor Verification: Ensuring that all third parties entering into agreements with Bank Jago are legally recognized and compliant.
• Annual Notary Partnership Review: Conducting annual reviews of our notary partners.
• Stock Opname: Executing annual stock opname for credit and collateral documents to ensure accuracy and security of the documents.

With a strong focus on online transactions, including payment gateways, card transactions, and QRIS, I was supporting Maybank's innovative financial products. Key Responsibilities:

• Agreement Drafting & Review: Creating and evaluating legal agreements to ensure compliance (including Shariah principles, if applicable) and operational standards.
• Annual Agreement Reviews: Conducting comprehensive annual reviews of standard credit and cooperation agreements.
• Legal Due Diligence: Performing thorough legal due diligence to identify and address potential risks.
• Legal Opinions: Providing informed legal opinions to other divisions to facilitate strategic decision-making.
• SOP Review: Reviewing Standard Operating Procedures (SOPs) and internal documents to ensure regulatory compliance.
• Key/Notable Achievements:
• Awarded Best Legal Staff of the Year (2019) for outstanding performance and contributions.
• Developed a streamlined QRIS Merchant Agreement template, enhancing the onboarding process for merchants.