Endurance Sports
ZUFADLIN YUSWARA
S.E., Ak., CA, ASEAN CPA, IAP
Depok
Summary
Seasoned professional with over 20 years of experience in Indonesia’s financial industry, specializing in banking and multi-finance sectors. Proven track record in Risk Management, Internal Control, Internal Audit, Compliance, ISO standards, and Anti-Fraud measures driving organizational success. Recognized as a results-driven team player committed to delivering high-quality work while demonstrating strong business acumen and the ability to operate independently. Known for exceptional negotiation skills, self-motivation, and a passion for continuous improvement and leadership development.
Overview
23
23
years of professional experience
8
8
Certifications
2
2
Languages
Work History
Senior General Manager – Project Advisor
PT Sinar Mitra Sepadan Finance
03.2024 - Current
- Provided strategic advice to senior management on the oversight and direction of internal projects to ensure effective execution
- Advised on project planning, coordination and implementation to support timely and effective delivery
- Recommended improvements to project governance, processes and workflows to enhance execution quality
- Collaborated with management to align project scopes, resources and timelines with overall business goals
- Monitored project progress and risks, providing guidance to keep initiatives on track and within defined parameters
Chief Audit Executive & Compliance Division Head
PT Sinar Mitra Sepadan Finance
01.2023 - 03.2024
- Developed and executed the annual risk-based audit plan, including IT audits, fraud investigations, and monitoring of follow-up actions on internal audit findings
- Established and periodically reviewed the Internal Audit Charter, policies, and procedures to strengthen the internal audit framework
- Ensured the internal audit function’s full alignment with the International Standards for the Professional Practice of Internal Auditing (IIA Standards)
- Oversaw the company’s compliance with external regulations, including those issued by the Financial Services Authority (OJK), PPATK, tax authorities, the Foreign Corrupt Practices Act (FCPA), and internal regulations from ORIX Corporation
- Managed the Sarbanes-Oxley (SOX) compliance project in coordination with ORIX Corporation headquarters in Tokyo
- Served as the primary liaison to ORIX Corporation in Tokyo on matters of governance, internal control, and compliance
- Led the implementation of Anti-Money Laundering and Counter Financing of Terrorism (AML-CFT) initiatives across the company
- Actively contributed to the company’s Anti-Fraud function, supporting the prevention, detection, and response to fraudulent activities
Head of Risk Management
PT ORIX Indonesia Finance
11.2017 - 12.2022
- Rehired by PT ORIX Indonesia Finance to support the improvement of business processes at its sister company, PT Sinar Mitra Sepadan Finance, following ORIX Corporation Tokyo’s majority acquisition
- Collaborated with senior management to reshape and enhance risk management processes, internal controls, compliance, and governance across Marketing, Collection, Operations, Information Technology, Asset Management, Legal, Compliance, and Customer Service
- Strengthened the risk management framework by reviewing existing practices, identifying control gaps, and recommending enhancements aligned with group governance expectations
- Developed and implemented an anti-fraud strategy, including the design and rollout of a whistleblowing policy, to reinforce fraud prevention and detection across the organization
- Enhanced internal control and compliance practices to support sound credit, operational, and governance risk management in line with ORIX group requirements
- Aligned the internal audit function of the acquired company with the International Standards for the Professional Practice of Internal Auditing (IIA Standards), including methodology, planning, and reporting practices
- Acted as primary liaison to ORIX Corporation headquarters in Tokyo on governance, internal control, and compliance matters, ensuring alignment with group policies and risk appetite
Chief Audit Executive
PT Bank Resona Perdania
05.2014 - 11.2017
- Developed, justified, and managed the annual risk-based Audit Plan (including IT Audit) and Internal Audit Division budget, including resource allocation and cost planning
- Oversaw cost-efficiency initiatives within the audit division, identifying opportunities to optimize spending while maintaining audit quality and regulatory compliance
- Analyzed financial performance variances against budgets and reported root causes and improvement recommendations at both branch level and division level at head office
- Provided assurance over financial planning, performance measurement, and internal financial reporting systems
- Directed and developed the audit team, strengthening capabilities in financial analysis, risk evaluation, and internal control assessment
- Fostered cross-functional collaboration with Finance, Compliance, Risk, and Operational units to enhance governance, risk management, and internal control
- Coordinated with external auditors, regulators, and other assurance providers to optimize audit coverage and minimize overlap
- Communicated audit findings, financial impact analyses, and strategic recommendations to the CEO, Board of Directors, and Board of Commissioners
- Served as a member of the Risk Monitoring Committee, contributing insights and recommendations to improve the bank’s risk management and governance processes
- Acted as the key liaison to the Indonesia Financial Services Regulator (OJK) during regulatory audit assignments
- Participated as a member of the Anti-Fraud Strategy Team, promoting anti-fraud awareness in collaboration with the Compliance Division, Human Resources Division, and Compliance Director
- Maintained active communication with the CEO, Board of Directors, and Board of Commissioners to present internal audit results and follow-up recommendations
- Managed the preparation and submission of mandatory reports to the Indonesia Financial Services Authority (OJK)
- Ensured internal audit activities were aligned with SPFAIB (Standar Pelaksanaan Fungsi Audit Intern Bank) and the International Standards for the Professional Practice of Internal Auditing (IIA Standards)
Chief Audit Executive
PT ORIX Indonesia Finance
05.2013 - 05.2014
- Developed, justified, and managed the annual Audit Plan (including IT audit) and Internal Audit Division budget, including resource allocation and cost planning
- Oversaw cost-efficiency initiatives within the audit division, identifying opportunities to optimize spending while maintaining audit quality and regulatory compliance
- Evaluated the adequacy and effectiveness of internal controls over financial reporting
- Fostered cross-functional collaboration with Finance, Compliance, Risk, and Operational units to strengthen governance, risk management, and internal control
- Led the Sarbanes-Oxley (SOX) Section 404 compliance initiative by coordinating with ORIX headquarters in Tokyo, Japan, for interim, update, and year-end testing phases
- Acted as the primary liaison with the ORIX Internal Audit Department at Tokyo headquarters, ensuring effective communication, collaboration, and alignment on audit objectives
- Maintained active communication with the CEO, Board of Directors, and Board of Commissioners to present internal audit findings and recommendations
- Coordinated with external auditors, regulators, and other assurance providers to optimize audit coverage and minimize overlap
- Ensured internal audit activities were aligned with Banking Standard for the implementation of Bank Internal Audit (SPFAIB – Standar Pelaksanaan Fungsi Audit Intern Bank) and the International Standards for the Professional Practice of Internal Auditing (IIA Standards)
Chief Audit Executive
PT Bank Hana, currently PT KEB Hana
01.2012 - 05.2013
- Developed, justified, and managed the annual risk-based Audit Plan (including IT Audit) and Internal Audit Division budget, ensuring effective resource allocation and disciplined cost planning
- Oversaw cost-efficiency initiatives within the audit division, identifying opportunities to optimize spending while maintaining audit quality and regulatory compliance
- Analyzed financial performance variances against budgets and reported root causes and improvement recommendations at both branch level and division level at head office
- Evaluated the reliability and integrity of accounting and management accounting information systems used for strategic and operational decision-making
- Provided assurance over financial planning, performance measurement, and internal financial reporting systems
- Directed and developed the audit team to strengthen capabilities in financial analysis, risk evaluation, and internal control assessment
- Aligned internal audit activities with SPFAIB (Standar Pelaksanaan Fungsi Audit Intern Bank) and the International Standards for the Professional Practice of Internal Auditing (IIA Standards)
- Served as key liaison to the Indonesia Financial Services Authority (OJK) during regulatory audit assignments
- Managed the preparation and submission of mandatory reports to the Indonesia Financial Services Authority (OJK)
- Drove continuous improvement in audit methodologies, analytics, and performance measurement
- Ensured internal audit activities consistently complied with Banking Standard for the Implementation of Bank Internal Audit (SPFAIB) and the International Standards for the Professional Practice of Internal Auditing (IIA Standards)
Compliance Manager
PT Bank Negara Indonesia
01.2009 - 12.2011
- Reviewed audit investigation reports prepared by branch and business unit Compliance Officers to assess accuracy, completeness, and adherence to internal policies and regulatory requirements
- Provided coaching and mentoring to branch and business unit Compliance Officers to enhance their capabilities in planning, executing, and documenting audit investigations
- Conducted compliance testing on Corporate and Middle Market loan portfolios to verify conformity with applicable laws, regulations, internal credit policies, and contractual and regulatory obligations
- Identified potential compliance issues and control weaknesses during testing and investigations, and provided guidance on appropriate corrective actions and process improvements
Internal Auditor (Assistant Manager)
PT Bank Negara Indonesia
07.2002 - 12.2008
- Participated in end-to-end internal audit engagements, from planning and risk assessment through execution and reporting, ensuring alignment with organizational objectives and internal audit standards
- Conducted comprehensive risk assessments to identify key control gaps, prioritize audit focus areas, and support investigative reviews where required
- Performed detailed testing of internal controls, processes, and procedures to evaluate design and operating effectiveness, adherence to policies, and compliance with relevant requirements
- Executed investigative audit procedures to address identified issues, irregularities, or concerns, documenting findings and supporting evidence in a clear and accurate manner
- Developed clear, concise, and well-structured internal audit reports and executive summaries, highlighting key observations, root causes, risk implications, and control weaknesses
- Formulated practical, risk-based recommendations to strengthen internal controls, improve processes, and enhance overall governance practices
- Monitored and followed up on the implementation of agreed audit recommendations, tracking progress and escalating delays or critical issues when necessary
- Collaborated with stakeholders across departments during audit planning, fieldwork, and reporting to ensure understanding of audit objectives, buy-in on findings, and effective resolution of identified issues
Education
Bachelor of Economics - Accounting
Gadjah Mada University
Yogyakarta01.2002
Executive MBA -
Quantic School of Business And Technology
Washington, DC, USA01.2027
Bachelor of Law -
Bung Karno University
Jakarta12-2026
Accountant Profession Study Program (PPAk) -
Trisakti University
Jakarta10-2025
No Degree - CMA Preparatory Program
IPMI Institue
Jakarta 04.2001 -
Skills
Risk Management
Certification
Internal Audit Practitioner (IAP-3753-PFLCS) certified by The Institute of Internal Auditors (IIA).
Interests
References
- Shuji, Ohtake, Former CEO of ORIX Indonesia Finance & Sinar Mitra Sepadan Finance, +81 8083507127, Indonesia
- Bayu Wisnu, Wardhana, Compliance Director, +62 81380016365, Bank KEB Hana
- B. Budijanto, Jahja, Former Compliance Director, currently Independent Commissioner, +62 87886011000, Bank Resona Perdania
Timeline
Senior General Manager – Project Advisor
PT Sinar Mitra Sepadan Finance
03.2024 - Current
Chief Audit Executive & Compliance Division Head
PT Sinar Mitra Sepadan Finance
01.2023 - 03.2024
Head of Risk Management
PT ORIX Indonesia Finance
11.2017 - 12.2022
Chief Audit Executive
PT Bank Resona Perdania
05.2014 - 11.2017
Chief Audit Executive
PT ORIX Indonesia Finance
05.2013 - 05.2014
Chief Audit Executive
PT Bank Hana, currently PT KEB Hana
01.2012 - 05.2013
Compliance Manager
PT Bank Negara Indonesia
01.2009 - 12.2011
Internal Auditor (Assistant Manager)
PT Bank Negara Indonesia
07.2002 - 12.2008
No Degree - CMA Preparatory Program
IPMI Institue
04.2001 -
Bachelor of Economics - Accounting
Gadjah Mada University
Executive MBA -
Quantic School of Business And Technology
Bachelor of Law -
Bung Karno University
Accountant Profession Study Program (PPAk) -
Trisakti University