PROFILES
ANToNIuS PRAMANA guNAdI CHIEF AUDIT EXECUTIVE
Indonesian Citizen, 45 years old.
Joined CImb Niaga in December 2016 and has served as Chief Audit Executive since 3 January 2017. Started his career as an Auditor at the public accounting firm Coopers & Lybrand, KPmG and Ernst & Young before entering the banking industry and becoming Head of Internal Audit at AbN Amro bank Indonesia, barclays Indonesia, and bank Internasional Indonesia. Prior to joining CImb Niaga, he served as Audit Director at Citibank and was responsible for audit activities in Indonesia and a number of countries in Asia and EmEA. He holds a bachelor’s degree in Accounting from Universitas Tarumanagara and several international certifications including Certified Internal Auditor (CIA) and Certified Anti money Laundering Specialist (CAmS).
hENdRA lEMBoNg
CHIEF OF TRANSFORmATION OFFICER Indonesian Citizen, 48 years old.
Has Served as the Chief Transformation Officer at CImb Niaga since January 2019, previously served as CImb Niaga’s Chief of Transaction banking and Chief of Fintech at CImb Group. Prior to joining CImb Niaga, he served as managing Director at JP morgan Singapore, Deutsche bank, London and Citibank branches in various countries.
He holds a master’s Degree which he earned from Stanford University, USA in 1994.
SukARMAN oMAR
CHIEF OF mICRO, SmALL & mEDIUm ENTEPRISE Indonesian citizen, 61 years old.
Her served as CImb Niaga’s Chief of SmE banking since November 2013.
Previously he held various positions at bank Permata since 1986 and most recently served as Head of SmE at bank Permata.
He is a graduated from Ryama University, medan.
RuSly JohANNES
CHIEF OF CORPORATE bANKING & FINANCIAL INSTITUTION CHIEF OF TRANSACTION bANKING
Indonesian citizen, 49 years old.
Has served as Chief of Corporate banking and Financial Institution and Chief of Transaction banking since February 2015. He has held various positions at AbN AmRO bank Indonesia, Deutsche Securities Inc. New York, and Rabobank Indonesia. before joining CImb Niaga, he served as managing Director, Local Corporate Unit, Corporate and Investment banking at Citibank Indonesia.
He completed his mbA program at The Anderson School, UCLA and bachelor of business Administration program at The University of Texas (Austin).
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AdRIAN PANggABEAN
CHIEF ECONOmIST, TREASURY AND CAPITAL mARKET
Indonesian Citizen, 53 years old.
He served as Head of Economist / Chief Economist bank CImb Niaga since October 2016.
Half of his career was spent overseas. Adrian began his career as a Lecturer in Fakultas Ekonomi Universitas Indonesia, and visiting professor for State finance at KImEP (Kazakhstan), then worked as a Policy Advisor at UNDP (Indonesia), economist for the Southeast Asia region at Nomura (Singapore), Asian Development bank (Philippines), and economic advisor in the Prime minister of brunei Darussalam office. Upon returning to Indonesia, Adrian worked in the fund management industry and became CEO of several Investment manager companies.
He holds a bachelor’s degree in Economics from Universitas Indonesia and a master of Social Science and Doctor of Philosophy (PhD) from the University of birmingham, England.
AlBERT SuhANdINATA
HEAD OF CONSUmER bANKING OPERATIONS Indonesian citizen, 42 years old.
Serves as Head of Consumer banking Operations at CImb Niaga. He previously worked at Citibank for 6 years, bank barclays Indonesia for 2 years, Commonwealth bank for 2.5 years, ICbC for 2.5 years, and bank Ganesha as Director of IT and Operations for 1.5 years.
He holds a bachelor’s Degree in Finance from California State Polytechnic University, Pomona and an mbA from Loyola marymount University.
AMIR MIRzA
HEAD OF CASH mANAGEmENT Indonesian citizen, 46 years old.
Started his banking career and held senior positions at Deutsche bank AG Jakarta, before finally joining bank CImb Niaga in November 2009.
He holds a bachelor’s Degree in Industrial Engineering from bandung Institute of Technology.
ANToNIuS SukRISWANTo HEAD OF ANTI FRAUD mANAGEmENT Indonesian citizen, 56 years old.
CImb Niaga’s Head of Anti-Fraud management since 2011. Has experience covering operational, audit and operational risk management and prior to 2008-2011 held the position of Head of Operational Risk management at OCbC NISP, barclays Indonesia, and bank Ekonomi Rahardja (HSbC Group ).
He holds a bachelor’s degree in Political Science in International Relations from Universitas Gadjah mada Yogyakarta, INSEAD Senior Leadership Program Singapore - France, and has several training related to banking and management.
AulIA MoChTAR HEAD OF mONEY mARKET &
FUNDING - TREASURY Indonesian citizen, 53 years old.
Has worked at bank CImb Niaga since 2006 as Head of Trading Desk and became Funding
& Gapping Group Head in 2009. He began his banking career in several domestic and Japanese banks.
He holds a bachelor’s Degree in Computer Science from Embry Riddle Aeronautical University, Daytona beach - Florida USA.
Performance Highlights Management Reports Company Profile Management Discussion and Analysis
Risk Management
BAMBANg kARSoNo AdI HEAD OF DIGITAL bANKING, bRANCHLESS &
PARTNERSHIP
Indonesian citizen, 53 years old.
Has served as Head of Digital banking, branchless
& Partnership at CImb Niaga since October 2015.
Specialist in the credit card business and has worked at several banks such as Lippobank, bank bukopin and Visa International.
Previously, he served as Head of Cards & merchant business at CImb Niaga from September 2012.
He graduated from the Faculty of Economics, majoring in marketing management, University of Trisakti.
BuNg AldIllA
HEAD OF SHARIA CONSUmER, PRODUCT AND bUSINESS ANALYTICS
Indonesian Citizen.
He joined CImb Niaga on 8 October 2018 and served as as Head of Sharia Consumer, Product and business Analytics effective from 1 August 2019.
He is responsible for Sharia Consumers and reports
BANyoN ANANToSENo HEAD OF CONSUmER COLLECTION AND RECOVERY
Indonesian citizen, 52 years old.
Head of Consumer Collection and Recovery at CImb Niaga since September 2017.
He previously held the position of Group Head of Unsecured Collection at CImb Niaga, Executive Vice President of Card & Loan Processing, Fraud and Collection at bank mega, Senior Vice President of micro Collection at bank Danamon, Vice President of Collection of HSbC, and Assistant Vice President of Credit Operation at Citibank.
He holds a bachelor degree in Economics management from Airlangga University, Surabaya.
CECIlIA NINIk MARTINI HEAD OF COmmERCIAL bANKING III Indonesian citizen, 54 years old.
Head of Commercial banking for Central Java.
Joined CImb Niaga in 1989 through the Executive Education Program after earning a bachelor’s Degree in Accounting from Parahyangan University bandung.
She has attended Leadership Programs from
ChAIRANy dANuSAPuTRA HEAD OF HR SHARED SERVICE Indonesian citizen.
She graduated with bachelor of Communication title from Padjajaran University on 1995. before she started her career in CImb Niaga, she started it in several banks for almost 23 years, such as PT bank Commonwealth for 10 years, PT bank Sumitomo mitsui Indonesia for 7 years and other Companies.
AuRElIA MulyoNo HEAD OF RISK CONTROL UNIT Indonesian citizen, 52 years old.
Head of bank CImb Niaga’s Risk Control Unit Consumer banking since 2019. Previously held various positions at bank Permata since 2008 and most recently served as Director of Human Capital & Risk management at PT Catur Sentosa Adiprana Tbk.
She holds a bachelor’s degree in Economics / Accounting from Universitas Katolik Parahyangan.
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ChIAlMI dIAldESToRo RoSAlIM HEAD OF STRUCTURED, ACQUISITION &
SYNDICATED FINANCE AND HEAD OF bUSINESS DEVELOPmENT
Indonesian citizen.
Joined CImb Niaga in December 2017 and served as Head of Structured, Acquisition & Syndicated Finance and also as Head of business Development since April 2018. Starting as a management Associate at Citigroup Indonesia in 1996, with more than 23 years in the global corporate and investment banking sector in Asia, United Kingdom, Europe and the middle East.
Holds a master’s degree in Professional Accounting (with honor) from The University of Texas at Austin and a bachelor of Science degree in Accounting and Finance (with honor) from The Oklahoma State University.
dAJANI
HEAD OF SmE I (JAKARTA) Indonesian citizen, 50 years old.
Head of SmE1 at CImb Niaga since September 2016. Previously, she was Area manager of SmE Jakarta-4 at CImb Niaga.
Started her career in 1995 as an Account Officer at bank Dagang Nasional Indonesia, Tanah Abang branch, bank mashill Utama,Glodok branch, and as marketing manager, Jakarta – Region to the Commercial business Head of Jabodetabek1 at bank OCbC NISP until December, 2014.
She holds a bachelor’s Degree in Science, - Physics from the Faculty of Science - University of Diponegoro, Semarang
dANIEl EdISoN huTAPEA HEAD OF TREASURY RISK ANALYTICS & RCU Indonesian citizen, 48 years old.
He has served as Head of Treasury Risk Analytics
& RCU since 2017. Started his banking career as an Account Officer at bank Niaga in 1997 and most recently worked as Relationship manager of Financial Institutions from 2000 to 2008. Has served as Credit & Risk Analytics Head at CImb Niaga since 2008.
He obtained a bachelor’s Degree in Accounting/
Economics from Padjajaran University, bandung in 1995.
dJoJo BoENToRo
HEAD OF CONSUmER CREDIT UNDERWRITING Indonesian citizen, 53 years old.
Head of Consumer Credit Risk since September 2017.
He previously served as Head of Consumer Finance at maybank Indonesia, member Relation Director at masterCard International Inc., Indonesia, Wealth Director at PT. AXA Financial Indonesia, and various positions at bank Internasional Indonesia.
He has more than 24 years of work experience in the banking industry.
Obtained a bachelor’s Degree in Civil Engineering from Parahyangan University, bandung in 1989.
ENTIN RoSTINI
HEAD OF ANTI mONEY LAUNDERING (AmL) Indonesian citizen, 55 years old.
Head of Anti-money Laundering (AmL) at CImb Niaga since December 2016. Started her career, and served in different positions at bank Internasional Indonesia, Compliance Head of bank Chinatrust Indonesia, and AmL Head of bank Danamon Indonesia.
She holds a bachelor’s Degree in Economics, majoring in Accounting from Padjadjaran University in bandung and master of Finance Degree from the University of Gajah mada in Yogyakarta
ERIC AugIE SAPuTRA HEAD OF CUSTOmER JOURNEY Indonesian citizen, 40 years old.
Has served as CImb Niaga’s Head of Customer Journey since 2019. Previously, served for 8 years in malaysia as Director, Retail Risk Analytic Head & Regional Risk Head for Auto & Personal Loan Products at CImb Group, and at Standard Chartered malaysia bank berhad as Senior manager, Risk Analytic for Consumer banking.
Previously over 10 years served at Astra Credit Companies and held various senior positions in Credit Risk.
Has a degree in Industrial Engineering from Institut Teknologi bandung.
Performance Highlights Management Reports Company Profile Management Discussion and Analysis
Risk Management
ERIC guNAWAN koSASIh HEAD OF LEARNING & DEVELOPmENT Indonesian citizen.
He began working at CImb Niaga since September 2019 as Head of Learning & Development at the Human Resources Directorate.
Prior to joining CImb Niaga, he served at Lippo Group as a Senior HR Officer, PT bank Danamon Tbk as EVP Talent, Learning and Rewards, PT bank CImb Niaga Tbk as SVP & Head of Learning &
Talent Development and PT bank HSbC Indonesia as SVP of Resource Planning, Policy, Analytics and Talent management.
Graduated from the Department of Petrochemical Engineering, Universitas Indonesia in 1995.
FAISAl ASWIN TAMBAyoNg HEAD OF COmmERCIAL bANKING I Indonesian citizen, 55 years old.
Has served as Head of Commercial banking I, and previously as Head of business Products and Strategic Development since January 2013 and has held senior positions at AbN AmRO and ANZ Indonesia as Head of business banking.
He obtained his Law Degree from the University of Sebelas march, Solo, Indonesia and was enrolled in the bank Niaga Executive Education Program in 1990.
FERdINANd RENAldI WAWoluMAyA HEAD OF TRADING & STRUCTURING
Indonesian citizen, 38 years old.
Head of Trading & Structuring at CImb Niaga since October 2015. He has had experience in the field of Treasury since 2004.
He holds a bachelor of Science degree from the National University of Singapore.
FuRIyANTo
HEAD OF SECURITIES SERVICES Indonesian citizen, 51 years old.
Head of Securities Services at CImb Niaga since September 2016. He started his career at CImb Niaga in 1991, and joined IbRA prior to rejoining CImb Niaga in 2003.
He holds a bachelor’s Degree in mathematics from the University of Gajah mada and a master’s Degree in Financial management from one of the state universities in Indonesia.
hARTANTo kuRNIAWAN HEAD OF COmmERCIAL bUSINESS CREDIT Indonesian citizen.
Joined bank CImb Niaga in September 2017. Prior to joining CImb Niaga, he served as Group Head of Credit Control & Supervision at bank mandiri and Head of Credit Approval at maybank Indonesia.
He started his career in the field of financial institution and banking in 1994. He has experience in Commercial banking, Corporate banking, and Loan Workout. He has also held various positions
hElEN MARIS HEAD OF FINANCE Indonesian citizen.
Head of business Planning and Network management - Consumer banking at CImb Niaga since July 2016 and Head of Finance since November 2019.
Started her career as management Associate at Citibank Indonesia, and was subsequently rotated across various countries, holding various positions as Financial Planning and Analysis Head, Consumer
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hENdRA guNAWAN HEAD OF bUSINESS bANKING OFFICE Indonesian citizen.
Appointed as Head of business banking Office at the business banking Directorate effective 2 September 2019. Completed his education at the Department of Accounting, Universitas Tarumanegara in 2003.
before joining CImb Niaga, worked at PT. bank HSbC, Indonesia as Head of Financial Planning and Analysis, PT. bank Ekonomi Raharja Tbk as Head of business Finance and PT. bank DbS, Indonesia as Assistant Vice President - Finance Control.
hENdRA guNAWAN HEAD OF mIKRO LINKAGE
CImb Niaga’s Head of micro Linkage since march 2019. Joined bank Niaga as a participant in the Commercial banking Special Education Program in 1997, with his last position as micro Linkage Area manager since 2012.
He is a mechanical Engineering graduate in Industrial Engineering from Universitas Indonesia in 1997.
hENRy SAWAlI
HEAD OF COmmERCIAL & mSmE bANKING CREDIT Indonesian citizen, 51 years old.
Head of Commercial & mSmE banking Credit at CImb Niaga since February 2017. Previously served in bank LTbC Central Asia, bank ANZ Indonesia, bank Permata, bank Danamon, and most recently at bank OCbC NISP as Head of Corporate banking Credit.
He is a bachelor of Science graduate, Faculty of Finance from the California State University of Fresno, United States.
hERNAMEN TANdIANTo HEAD OF TREASURY DISTRIbUTION Indonesia citizen, 41 years old.
He has served as Head of Treasury Distribution of CImb Niaga since 2018.
He has 18 years of experience working in banking sector with 15 years working experience in Treasury Sales, foreign and local banks, all segment from corporation as well as individual. His experiences and certification including plain vanilla, derivative as well as structured products.
He earned an mm degree from Gadjah mada University and a bachelor’s degree in Civil Engineering from Atma Jaya University.
I guSTI NguRAh dWI SAPTA HEAD OF NON RETAIL CREDIT ADmINISTRATION, CHECKING & APPRAISAL
Indonesia citizen.
He has served as Head of Non Retail Credit Administration, Checking & Appraisal of CImb Niaga since October 2018.
He has 20 years of experience in the banking industry, with started as CRU manager at Standart Chartered bank (Year 1998 -2004) and continued as CCU Head at PT bank DbS Indonesia (2004–2007), Head of Credit Control Unit at PT bank Danamon Indonesia Tbk (Year 2007 - 2016) and Head of Credit Risk Control at Standart Chartered bank before finally joining PT bank CImb Niaga as Non Retail Credit administration, Checking & Appraisal Head for the Credit Directory in 2018.
He holds a bachelor’s Degree from the University of Trisakti Jakarta.
JEFFREy BoB kARMAN HEAD OF CORPORATE bUSINESS CREDIT Indonesian citizen, 59 years old.
He joined CImb Niaga in October 2013 and has 27 years of professional experience. He held several key positions at various banks and financial institutions, such as Standard Chartered bank, AbN AmRO bank N.V., Sucorinvest Gani, and bank OCbC NISP.
He earned his bachelor of Science Degree, majoring in business Administration - Finance from the University of San Francisco and a master’s Degree in management - International management from Prasetya mulya management Institute.
Performance Highlights Management Reports Company Profile Management Discussion and Analysis
Risk Management
JoNI RAINI
HEAD OF HR bUSINESS PARTNER, TALENT ACQUISITION, REWARDS & PERFORmANCE Indonesian citizen, 39 years old.
Has served as the Head of HR business Partner, Talent Acquisition, Rewards & Performance at CImb Niaga since 2019, Head of HR business Partner, Rewards & Services since 2017, Head of HR Rewards, Performance & Services since 2014 and Head of Rewards & Performance since 2013. He also served as Talent & Leadership Development Group Head since 2011. Previously, he served as Head of Human Resources at bank barclays Indonesia and prior to that, he was Head of HR management & Services and Head of Learning &
Development at bank UOb buana.
He obtained his bachelor’s Degree in Economics from Tarumanagara University and a master’s Degree from Pelita Harapan University, and an Executive mbA Degree from Peking University, China.
JoNI hERMANTo
HEAD OF TRANSACTION bANKING SALES Head of Transaction banking Sales at the Transaction banking Directorate effective from 22 November 2019.
Previously served at PT bank Danamon Indonesia Tbk as Regional Transaction banking Sales Head
& Trade Sales Head, PT bank HSbC Indonesia as Senior business Development manager and PT bank Commonwealth Indonesia as Head of Global Trade and Transaction Services.
Finished his education at the Department of Financial management, Universitas Trisakti in 1999.
JoSEPhINE MERCy ARI PRIAMSARI HEAD OF WHOLESALE bANKING OPERATIONS &
SHARED SERVICES CENTER Indonesian citizen.
Currently serves as the Head of Wholesale banking Operations & Shared Services Center. Joined CImb Niaga in September 2011.
She previously served as Head of Central Processing Center at bank Internasional Indonesia from 2005 to 2011, and worked at Citigroup Indonesia from 1997 to 2005, with her last position as Head of Corporate Payment Operations.
JulIANA
HEAD OF PRIVATE bANKING
Head of Private banking at the business banking Directorate effective from 16 December 2019.
Prior to joining CImb Niaga, served at bank LGT LTD. Singapore as Director, Relationship manager.
PT Julius baer Advisors Indonesia as Director, Senior Client Advisors and Standard Chartered Private bank Singapore as Director, Relationship
JulIuS WIANTARA TJhIoE HEAD OF OPERATIONAL RISK mANAGEmENT (ORm)
Indonesian citizen, 54 years old.
Has worked with CImb Niaga since 2015 as Head of Operational Risk management (ORm).
Previously served at Citibank N.A. Indonesia as Head of ORm (2012 – 2014), bank DbS Indonesia
koEI hWEI lIEN
HEAD OF RETAIL CREDIT RISK mANAGEmENT Indonesian citizen.
Served as CImb Niaga’s Head of Retail Credit Risk management since may 2015.
Started her career as a management Trainee at GE Finance Indonesia before entering retail risk management with a position as Credit Policy &
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lENA
HEAD OF LWO FOR COmmERCIAL bANKING (COmbA) & mSmE
Indonesian citizen, 52 years old.
Has served as Head of LWO for Commercial banking (Comba) & mSmE (formerly ARR) of CImb Niaga since July 2015. She started her career at bank Permata (formerly bank bali), from 1991- 2010, with her latest position as Head of Special Asset management. Prior to joining CImb Niaga, she was Head of Special Asset management at bank UOb Indonesia (2010-2015).
She graduated with a bachelor Degree from the University of Atma Jaya Yogyakarta in 1991.
lINdA MARShElIA HEAD OF FINANCIAL INSTITUTION Indonesian citizen. 48 years old.
Linda has spent the last 24 years of her career in the banking sector. She joined PT. bank CImb Niaga Tbk in October 2018 as the Head of Financial Institutions.
Prior to that, she has worked in mUFG bank Ltd, Indonesia as the Head of Financial Institution and multi National Corporates. She also served as Director, multi National Corporate unit at Standard Chartered bank, Indonesia and as Senior Relationship manager, Financial Institution unit at Citibank Indonesia.
Linda holds a bachelor Degree in business Administration from Institute business Indonesia.
lISToN SIAhAAN
HEAD OF COmPLIANCE mANAGEmENT Indonesian citizen, 52 years old.
He has currently served as Head of Compliance management at CImb Niaga since October 2013.
Previously he served as Chief of the Division of Risk management Group of bank Niaga and worked at the National bank Restructuring Agency (bPPN) and PT Pefindo.
He obtained his bachelor’s Degree from bandung Institute of Technology in 1992 and master of management Degree from Prasetya mulya business School, Jakarta.
lukITo AdISuBRATA HEAD OF NON bRANCH CHANNEL Indonesian citizen, 44 years old.
Has served as Head of Non branch Channel of CImb Niaga since April 2011. Previously he occupied senior positions in bank Permata, Lippo bank, and Citibank N.A.
He obtained a bacchelor’s Degree from Tarumanagara University in 1997
MIRANTy SuPARdI HEAD OF CORPORATE bANKING I Indonesian citizen.
Has served as Head of Corporate banking Division I CImb Niaga overseeing the Property, Regional Corporate and multinational division since August 2014.
Previously, she worked at Citibank New York and Hong Kong with her last position as Senior Vice President for the Corporate and Investment banking division at Citibank Indonesia.
She holds a bachelor’s Degree in business Administration from the University of Wisconsin madison, USA and a master’s Degree in business Administration from Cornell University, USA.
NovIAdy WAhyudI
HEAD OF SEGmENT & RETAIL PRODUCT Indonesian citizen, 46 years old.
Joined CImb in 2011. Previously, was a senior partner in a consulting firm and started his career with Citibank.
Graduated from Universitas Indonesia, obtained an mbA Degree from the National University of Singapore and attended the Executive Leadership Program at INSEAD business school.
Responsible for all retail products (deposits, wealth, insurance, mortgages, indirect auto, credit cards and personal loans). In addition, is also responsible for the preferred banking, workplace banking and community segments.