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Our Team

DANIEL CONSTANTYN ADAM,

S.T., S.H., M.H., C.L.A., C.T.L., C.I.L.C.

MANAGING PARTNER

WILLEM JAYA NAINGGOLAN,

A.K., MBA., CA., CPA-AUST., CFRA

ASSOCIATES PARTNER

BUN HOLD,

AK, M.M., CFE., CA

ASSOCIATES PARTNER

MARCELLINUS WENDRA,

S.E, M.COMM., CPA., BKP

ASSOCIATES PARTNER

JEANE CHRISTINA,

 S.Sos, CLA, CIT

ASSOCIATES PARTNER

DANIEL CONSTANTYN ADAM, S.T., S.H., M.H., C.L.A., C.T.L., C.I.L.C.

    Bachelor graduated from Faculty of Metallurgy Engineering University of Jenderal Achmad Yani, and Bachelor also Master degree of Law from faculty of law University of  Indonesia (FHUI).


    Has experience working in a number of foreign and local financing companies with experience as Head Division of Corporate Legal, Litigation and Collection Division for 21 years.


    And has competency certification in the fields of Legal audit, Tax Lawyer and Insurance legal consultant, Certified Tax Lawyer under PKPPI, and a Certified Legal Auditor (C.L.A) under ASAHI (Asosiasi Auditor Hukum Indonesia).


    Currently, Daniel as litigation lawyer (Advocate), and as members of PERADI (Perhimpunan Advokat Indonesia) and as member the Legal & Consumer Protection Committee at the Indonesian Financial Services Association (APPI). He is also active as a trainer and speaker in professional certification programs for the non-bank finance industry at managerial level.


    He has registered Bankruptcy (PKPU & Kepailitan) or Curator’s who has permission from the Ministry of Law and Human Rights Republic of Indonesia and joined the curator association (HKPI), a certified Tax Lawyer under PKPPI, and a Certified Legal Auditor (C.L.A) under ASAHI.

Bachelor graduated from Faculty of Metallurgy Engineering University of Jenderal Achmad Yani, and Bachelor also Master degree of Law from faculty of law University of  Indonesia (FHUI).


Has experience working in a number of foreign and local financing companies with experience as Head Division of Corporate Legal, Litigation and Collection Division for 21 years.


And has competency certification in the fields of Legal audit, Tax Lawyer and Insurance legal consultant, Certified Tax Lawyer under PKPPI, and a Certified Legal Auditor (C.L.A) under ASAHI (Asosiasi Auditor Hukum Indonesia).


Currently, Daniel as litigation lawyer (Advocate), and as members of PERADI (Perhimpunan Advokat Indonesia) and as member the Legal & Consumer Protection Committee at the Indonesian Financial Services Association (APPI). He is also active as a trainer and speaker in professional certification programs for the non-bank finance industry at managerial level.


He has registered Bankruptcy (PKPU & Kepailitan) or Curator’s who has permission from the Ministry of Law and Human Rights Republic of Indonesia and joined the curator association (HKPI), a certified Tax Lawyer under PKPPI, and a Certified Legal Auditor (C.L.A) under ASAHI.

WILLEM JAYA NAINGGOLAN,A.K., MBA., CA., CPA-AUST., CFRA

Willem graduated from the State College of Accountant (STAN) with a Bachelor’s Degree in accountancy in 1982. He then graduated from the Economics Institute, Colorado, USA, Management Development Program and the University of Arkansas with Master of Business Administration (MBA) in 1997


Wilem began his audit career as a team leader in the Government of Indonesia’s Financial and Development Supervisory Board (BPKP) from 1982 until 1995.


Willem then continued as a Chief Operating Officer for PT. Bakrie & Brothers Trading, Finance Director for PT. Eka Dharma Jaya Sakti Tbk, Finance team leader for BHP Biliton, Chief Financial Officer for PT. Gemala Borneo Utama, and Finance General Manager for PT. SolwayGroup Indonesia before return to auditing field in 2016 until now. Throughout his career, Willem has also continued to dedicate his expertise as a lecturer at STAN and President University, Cikarang.


Willem joined KAP Yosua & Rekan as a non-signing Partner in 2017, managing the partnership’s business advisory offerings and then joined KAP Robert, Rudi, and Yansen in 2021 as Certified Forensic Auditor (CFrA).


Willem graduated from the State College of Accountant (STAN) with a Bachelor’s Degree in accountancy in 1982. He then graduated from the Economics Institute, Colorado, USA, Management Development Program and the University of Arkansas with Master of Business Administration (MBA) in 1997


Wilem began his audit career as a team leader in the Government of Indonesia’s Financial and Development Supervisory Board (BPKP) from 1982 until 1995.


Willem then continued as a Chief Operating Officer for PT. Bakrie & Brothers Trading, Finance Director for PT. Eka Dharma Jaya Sakti Tbk, Finance team leader for BHP Biliton, Chief Financial Officer for PT. Gemala Borneo Utama, and Finance General Manager for PT. SolwayGroup Indonesia before return to auditing field in 2016 until now. Throughout his career, Willemhas also continued to dedicate his expertise as a lecturer at STAN and President University, Cikarang.


Willem joined KAP Yosua & Rekan as a non-signing Partner in 2017, managing the partnership’s business advisory offerings and then joined KAP Robert, Rudi, and Yansen in 2021 as Certified Forensic Auditor (CFrA).

BUN HOLD,AK, M.M., CFE., CA

Bun Hold holds diplomas in accounting from Sekolah Tinggi Akuntansi Negara (Diploma III & IV) and a Master’s degree in Risk Management from the University of Indonesia.


He has extensive experience in auditing, supervision, and investigation within BPKP and related institutions. His career includes serving as Head of Special Audit Section at BPKP Bengkulu, Head of Revenue Supervision Section at BPKP Bali, and Audit Supervisor across various units, including the Deputy for Investigation, the Inspectorate, and BPKP regional offices. He has also contributed as a researcher at the BPKP Research and Development Center and as an investigator with the Corruption Eradication Commission (KPK).


Bun Hold holds diplomas in accounting from Sekolah Tinggi Akuntansi Negara (Diploma III & IV) and a Master’s degree in Risk Management from the University of Indonesia.


He has extensive experience in auditing, supervision, and investigation within BPKP and related institutions. His career includes serving as Head of Special Audit Section at BPKP Bengkulu, Head of Revenue Supervision Section at BPKP Bali, and Audit Supervisor across various units, including the Deputy for Investigation, the Inspectorate, and BPKP regional offices. He has also contributed as a researcher at the BPKP Research and Development Center and as an investigator with the Corruption Eradication Commission (KPK).


MARCELLINUS WENDRA,S.E, M.COMM., CPA., BKP

Marcellinus Wendra is an experienced accountant, lecturer, and business advisor with over 20 years of work in both practice and education. He is the founding partner of KAP Rama Wendra in Jakarta, focusing on audits, tax services, and IPO processes. In addition to his professional practice, he has taught accounting, taxation, finance, and risk management at several universities, including Tarumanegara University, Atma Jaya Catholic University, and the University of Indonesia.


He holds a Master of Commerce in Accounting and Finance from Macquarie University, Sydney, and a Bachelor of Economics in Accounting from the University of Indonesia (FE UI). He is also highly certified, with qualifications as a Certified Public Accountant (Indonesia and Australia), Chartered Accountant, Certified Tax Consultant, Certified Information Systems Auditor, and other professional credentials in valuation, risk, IT systems, and sustainable finance.


Marcellinus is active in professional organizations such as CPA Australia and ISACA Indonesia, where he works as a trainer, mentor, and communication team member. He is also a regular speaker at conferences and seminars and contributes articles to professional journals.


Marcellinus Wendra is an experienced accountant, lecturer, and business advisor with over 20 years of work in both practice and education. He is the founding partner of KAP Rama Wendra in Jakarta, focusing on audits, tax services, and IPO processes. In addition to his professional practice, he has taught accounting, taxation, finance, and risk management at several universities, including Tarumanegara University, Atma Jaya Catholic University, and the University of Indonesia.


He holds a Master of Commerce in Accounting and Finance from Macquarie University, Sydney, and a Bachelor of Economics in Accounting from the University of Indonesia (FE UI). He is also highly certified, with qualifications as a Certified Public Accountant (Indonesia and Australia), Chartered Accountant, Certified Tax Consultant, Certified Information Systems Auditor, and other professional credentials in valuation, risk, IT systems, and sustainable finance.


Marcellinus is active in professional organizations such as CPA Australia and ISACA Indonesia, where he works as a trainer, mentor, and communication team member. He is also a regular speaker at conferences and seminars and contributes articles to professional journals.


JEANE CHRISTINA, S.Sos, CLA, CIT

Holds a Bachelor's degree in Social and Political Sciences (FISIP) from the Christian University of Indonesia (UKI) and a Master's degree (On Process Finishing) from STIAMI Cikarang, majoring in Public Administration and Government.


Jeane Christina is an experienced member of the ISO team since 2007, possessing competencies from several ISO institutions. She is licensed to register, manage, and issue ISO certifications, as well as conduct audits for various projects and organizations subject to ISO audits. She has served as an auditor/assessor for 114 government and private organizations/institutions.


Jeane Christina's comprehensive portfolio in various ISO categories includes

  • From 2014-2025; Served as a resource person at 43 events on awareness, internal auditors, lead auditors, and risk management related to training and discussions on ISO 9001 and ISO 27001.
  • From 2015 to 2025, he served as a system implementer at 26 government and private institutions, specifically for ISO 9001, 45001, and 14001.
  • From 2007 to 2025, he served as an auditor/assessor 114 times at 114 local and foreign private institutions, as well as government agencies.
  • Assessor for a total of 5,857 hours
  • As ISO Program Implementer/Mentor for a total of 2,704 hours
  • As Resource Person and Management System Trainer for a total of 952 hours





Holds a Bachelor's degree in Social and Political Sciences (FISIP) from the Christian University of Indonesia (UKI) and a Master's degree (On Process Finishing) from STIAMI Cikarang, majoring in Public Administration and Government.


Jeane Christina is an experienced member of the ISO team since 2007, possessing competencies from several ISO institutions. She is licensed to register, manage, and issue ISO certifications, as well as conduct audits for various projects and organizations subject to ISO audits. She has served as an auditor/assessor for 114 government and private organizations/institutions.


Jeane Christina's comprehensive portfolio in various ISO categories includes

  • From 2014-2025; Served as a resource person at 43 events on awareness, internal auditors, lead auditors, and risk management related to training and discussions on ISO 9001 and ISO 27001.
  • From 2015 to 2025, he served as a system implementer at 26 government and private institutions, specifically for ISO 9001, 45001, and 14001.
  • From 2007 to 2025, he served as an auditor/assessor 114 times at 114 local and foreign private institutions, as well as government agencies.
  • Assessor for a total of 5,857 hours
  • As ISO Program Implementer/Mentor for a total of 2,704 hours
  • As Resource Person and Management System Trainer for a total of 952 hours





BACKGROUND

As financing companies continue to grow, supervision and preventive measures are required to avoid the occurrence of fraud. In addition, investigative audits play an important role in uncovering evidence and calculating the losses resulting from fraudulent activities.

Fraud can cause various types of losses, such as:

•Financial losses
•Losses for consumers
•Damage to reputation and goodwill
•Violations of Good Corporate Governance (GCG) principles

PURPOSE

1

For and in order to prevent fraud. Ensure that all operational subject and objects comply with SOPs, comply with applicable Laws and regulations.

2

Finding violations of SOPs and what could result in fraud in branch offices of financing companies.

Identify facts and evidence that can be used to:

  • Determine who the fraud perpetrators are
  • Determine the extent of the material loss
  • Assist in preparing evidence/lawsuits for unlawful acts


LEGAL BASIS

1 

UU OJK NO.21 TAHUN 2011 TENTANG PEMBENTUKAN OJK (OTORITAS JASA KEUANGAN

2

UU ANTI PENCUCIAN UANG (TPPU) NO.8 TAHUN 2010


3

UU PIDANA (KUHP)

4

UU PERLINDUNGAN KONSUMEN NO.8 TAHUN 1999


5

POJK N0.22 TAHUN 2023 TENTANG PERLINDUNGAN KONSUMEN DAN MASYARAKAT DI SEKTOR JASA KEUANGAN

6

PERATURAN OTORITAS JASA KEUANGAN NOMOR 29 /POJK.05/2020 TENTANG PERUBAHAN ATAS PERATURAN OTORITAS JASA KEUANGAN NOMOR 30/POJK.05/2014 TENTANG TATA KELOLA PERUSAHAAN YANG BAIK BAGI PERUSAHAAN PEMBIAYAAN

7

POJK N0.22 TAHUN 2023 TENTANG PERLINDUNGAN KONSUMEN DAN MASYARAKAT DI SEKTOR JASA KEUANGAN


8

POJK N0.12 TAHUN 2024 TENTANG PENERAPAN STRATEGI ANTI FRAUD BAGI LEMBAGA JASA KEUANGAN (LJK)

9

PERATURAN MENTERI KEUANGAN (PMK) NO:.122 TAHUN 2023 TENTANG PETUNJUK PELAKSANAAN LELANG


10

PERATURAN ORTORITAS JASA KEUANGAN (POJK) NO.8 TAHUN 2023 TENTANG APU PPT


AUDIT INVESTIGATIVE OBJECT

01

AUDIT INVESTIGATIVE FOR ADMINISTRATION HANDLING (MINOR & MAJOR)

  • Custodian Administrative for BPKB from dealer and outbound BPKB to customer (Overdue BPKB). 
  • Some BPKB O/S that have not been collected by customers and those that have not been handed over to dealers/vendors.
  • Storage and security arrangements for BPKB (storage of BPKB documents in the custodian).
  • Complete documents for dealer billing to the financing company.Management of financing contract/agreement storage.


02

AUDIT INVESTIGATIVE FOR MARKETING PROCEDURE & IMPLEMENTATION

  • Survey procedures by the CMO (visiting report, CMO report analysis, photos of the debtor and their place of business).
  • Proof of income and verification of the truth of the facts, including the income-to-expense ratio and monthly installments.
  • Debtor's residential address based on the feasibility analysis of conditions and location.

03

AUDIT FOR COLLECTION, REMIDIAL, & RECOVERY PROCEDURE & IMPLEMENTATION

  • Attendance list of collection, remedial, and recovery officers at branch offices (identification of those who are late by more than 1 hour) who are late.
  • How many transfer installments with the "No Name" status and condition cannot be identified and input into the core payment system menu.
  • How much collateral is known or identified as having been sold, pawned, or controlled by another party for various other reasons.
  • How many consumers have challenged the loan through legal channels (legal authorities, civil society, NGOs, lawyers), and what is the collection team's resolution plan?
  • A random sample of 50 consumers with an OD of >61-90 / 91-120 and above to be verified with visit reports from collection/remedial officers (appropriate/unsuitable).
  • How much operational collection cost was incurred to obtain and transport collateral for cars/motorcycles in the last 3 months.

04

AUCTION MANAGEMENT FOR ASSET REPOSSESSED & IMPLEMENTATION

  • How much collateral for motorcycles/cars has been received and is being held at the auction house?
  • Verify the auction buyer's random sampling.
  • What is the ratio of collateral objects in and out at the auction house?
  • What is the L.O.R (Loss of Repossessions) per unit and per month in the last three months?
  • How much collateral has been redeemed/settled by consumers within three months?
  • How much payment is made from the auction house to the financing company branch office (TOP/Terms of Payment).
  • How many collateral cars/motorcycles have not been successfully sold at auction for more than three months?
  • How much is the auction fee, including auction tax and other fees, within three months (data can be synchronized with the finance company's head office's financial data).
  • How many auction houses are used and which ones collaborate with the financing company branch offices?
  • Partnership Agreements/MoUs with auction houses.

    • 05

    LITIGATION PROCEDURE & IMPLEMENTATION AT LITIGATION HANDLING

    • The number of civil lawsuits filed by consumers/other parties.
    • The number of criminal lawsuits filed by consumers/other parties.
    • The number of civil/criminal cases identified, including how many are still in process and how many have been decided at the District Court, High Court, and Supreme Court (Cassation) levels.
    • The amount of litigation costs incurred by lawyers in resolving the above cases, and the content of the legal services agreements, power of attorney, and internal litigation reports from the financing company.
    • The number of cases in which the financing company reports consumers/other parties.
    • The number of cases related to financing (financing disbursement) identified as fraudulent and having a material impact on the financing company.
    • The number of cases or suspected fraud cases committed by internal employees at the financing company that have been, are currently, or have not been prosecuted/or sued, or that have become problematic in the Industrial Relations Court.


    06

    APU PPT (ANTI MONEY LAUNDERING)

    • How many customers financed by the financing branch office in the last six months are members of a particular political party, council members, law enforcement officers, or civil servants?
    • Has each customer undergone APU PPT customer due diligence (CDD) and/or enhanced due diligence (EDD)?
    • Have any of the above customers made early termination payments with cash, with earlier tenors, or accelerated repayment?
    • Regarding point 3 above, are there any documents/forms explaining the source of income/funds used for the repayment or for the down payment of the vehicle to the vendor/dealer?
    • Are there any customers named on the vehicle registration certificate (BPKB) and vehicle registration certificate (STNK) who are not members of the immediate family or are not listed on the Family Card (Kartu Keluarga)?
    • Are CDD and EDD conducted entirely by the APU PPT PIC at the branch office, based on the investigator's sampling data or based on the number of customers listed as PEP (Political Exposed Persons) and similar entities?

    AUDIT INVESTIGATIVE FOR ADMINISTRATION HANDLING (MINOR & MAJOR)

    • Custodian Administrative for BPKB from dealer and outbound BPKB to customer (Overdue BPKB). 
    • Some BPKB O/S that have not been collected by customers and those that have not been handed over to dealers/vendors.
    • Storage and security arrangements for BPKB (storage of BPKB documents in the custodian).
    • Complete documents for dealer billing to the financing company.Management of financing contract/agreement storage.
    • Storage for installment payments received daily, weekly, and monthly.
    • Journal of incoming financial reports, including cash overnight.
    • Journal of customer installment payment reports for the No Name condition.
    • Audit of petty cash usage for 12 months.
    • Audit of employee employment security files (if any).
    • Audit of branch office assets (computers, stationery, copiers, printers, safes, operational vehicles (cars and motorcycles).
    • Audit of sending and receiving correspondence to and from branch offices.
    • Custodian Administrative for BPKB from dealer and outbound BPKB to customer (Overdue BPKB). 
    • Some BPKB O/S that have not been collected by customers and those that have not been handed over to dealers/vendors.
    • Storage and security arrangements for BPKB (storage of BPKB documents in the custodian).
    • Complete documents for dealer billing to the financing company.Management of financing contract/agreement storage.
    • Storage for installment payments received daily, weekly, and monthly.
    • Journal of incoming financial reports, including cash overnight.
    • Journal of customer installment payment reports for the No Name condition.
    • Audit of petty cash usage for 12 months.
    • Audit of employee employment security files (if any).
    • Audit of branch office assets (computers, stationery, copiers, printers, safes, operational vehicles (cars and motorcycles).
    • Audit of sending and receiving correspondence to and from branch offices.

    AUDIT INVESTIGATIVE FOR MARKETING PROCEDURE & IMPLEMENTATION

    • Survey procedures by the CMO (visiting report, CMO report analysis, photos of the debtor and their place of business).
    • Proof of income and verification of the truth of the facts,Debtor's residential address based on the feasibility analysis of conditions and location.
    • Debtor's residential address based on the feasibility analysis of conditions and location.
    • Designation for the purchase and financing of collateral (in the name/personal name of the consumer).
    • Supporting financing document requirements (KTP, Marriage Certificate, Taxpayer Identification Number, Family Card, Business License, Articles of Association, and other supporting permits, bank statements/savings accounts, and similar documents, and validation of the suitability of the data and issuer.
    • Survey procedures by the CMO (visiting report, CMO report analysis, photos of the debtor and their place of business).
    • Proof of income and verification of the truth of the facts,Debtor's residential address based on the feasibility analysis of conditions and location.
    • Debtor's residential address based on the feasibility analysis of conditions and location.
    • Designation for the purchase and financing of collateral (in the name/personal name of the consumer).
    • Supporting financing document requirements (KTP, Marriage Certificate, Taxpayer Identification Number, Family Card, Business License, Articles of Association, and other supporting permits, bank statements/savings accounts, and similar documents, and validation of the suitability of the data and issuer.

    AUDIT FOR COLLECTION, REMIDIAL, & RECOVERY PROCEDURE & IMPLEMENTATION

    • Attendance list of collection, remedial, and recovery officers at branch offices (identification of those who are late by more than 1 hour) who are late.
    • How many transfer installments with the "No Name" status and condition cannot be identified and input into the core payment system menu.
    • How much collateral is known or identified as having been sold, pawned, or controlled by another party for various other reasons.
    • How many consumers have challenged the loan through legal channels (legal authorities, civil society, NGOs, lawyers), and what is the collection team's resolution plan?
    • A random sample of 50 consumers with an OD of >61-90 / 91-120 and above to be verified with visit reports from collection/remedial officers (appropriate/unsuitable).
    • How much operational collection cost was incurred to obtain and transport collateral for cars/motorcycles in the last 3 months.
    • Attendance list of collection, remedial, and recovery officers at branch offices (identification of those who are late by more than 1 hour) who are late.
    • How many transfer installments with the "No Name" status and condition cannot be identified and input into the core payment system menu.
    • How much collateral is known or identified as having been sold, pawned, or controlled by another party for various other reasons.
    • How many consumers have challenged the loan through legal channels (legal authorities, civil society, NGOs, lawyers), and what is the collection team's resolution plan?
    • A random sample of 50 consumers with an OD of >61-90 / 91-120 and above to be verified with visit reports from collection/remedial officers (appropriate/unsuitable).
    • How much operational collection cost was incurred to obtain and transport collateral for cars/motorcycles in the last 3 months.

    AUCTION MANAGEMENT FOR ASSET REPOSSESSED & IMPLEMENTATION

    • How much collateral for motorcycles/cars has been received and is being held at the auction house?
    • Verify the auction buyer's random sampling.
    • What is the ratio of collateral objects in and out at the auction house?
    • What is the L.O.R (Loss of Repossessions) per unit and per month in the last three months?
    • How much collateral has been redeemed/settled by consumers within three months?
    • How much payment is made from the auction house to the financing company branch office (TOP/Terms of Payment).
    • How many collateral cars/motorcycles have not been successfully sold at auction for more than three months?
    • How much is the auction fee, including auction tax and other fees, within three months (data can be synchronized with the finance company's head office's financial data).
    • How many auction houses are used and which ones collaborate with the financing company branch offices?
    • Partnership Agreements/MoUs with auction houses.
  • How much collateral for motorcycles/cars has been received and is being held at the auction house?
  • Verify the auction buyer's random sampling.
  • What is the ratio of collateral objects in and out at the auction house?
  • What is the L.O.R (Loss of Repossessions) per unit and per month in the last three months?
  • How much collateral has been redeemed/settled by consumers within three months?
  • How much payment is made from the auction house to the financing company branch office (TOP/Terms of Payment).
  • How many collateral cars/motorcycles have not been successfully sold at auction for more than three months?
  • How much is the auction fee, including auction tax and other fees, within three months (data can be synchronized with the finance company's head office's financial data).
  • How many auction houses are used and which ones collaborate with the financing company branch offices?
  • Partnership Agreements/MoUs with auction houses.A

    • LITIGATION PROCEDURE & IMPLEMENTATION AT LITIGATION HANDLING

    • The number of civil lawsuits filed by consumers/other parties.
    • The number of criminal lawsuits filed by consumers/other parties.
    • The number of civil/criminal cases identified, including how many are still in process and how many have been decided at the District Court, High Court, and Supreme Court (Cassation) levels.
    • The amount of litigation costs incurred by lawyers in resolving the above cases, and the content of the legal services agreements, power of attorney, and internal litigation reports from the financing company.
    • The number of cases in which the financing company reports consumers/other parties.
    • The number of cases related to financing (financing disbursement) identified as fraudulent and having a material impact on the financing company.
    • The number of cases or suspected fraud cases committed by internal employees at the financing company that have been, are currently, or have not been prosecuted/or sued, or that have become problematic in the Industrial Relations Court.
    • The number of civil lawsuits filed by consumers/other parties.
    • The number of criminal lawsuits filed by consumers/other parties.
    • The number of civil/criminal cases identified, including how many are still in process and how many have been decided at the District Court, High Court, and Supreme Court (Cassation) levels.
    • The amount of litigation costs incurred by lawyers in resolving the above cases, and the content of the legal services agreements, power of attorney, and internal litigation reports from the financing company.
    • The number of cases in which the financing company reports consumers/other parties.
    • The number of cases related to financing (financing disbursement) identified as fraudulent and having a material impact on the financing company.
    • The number of cases or suspected fraud cases committed by internal employees at the financing company that have been, are currently, or have not been prosecuted/or sued, or that have become problematic in the Industrial Relations Court.

    APU PPT (ANTI MONEY LAUNDERING)

    • How many customers financed by the financing branch office in the last six months are members of a particular political party, council members, law enforcement officers, or civil servants?
    • Has each customer undergone APU PPT customer due diligence (CDD) and/or enhanced due diligence (EDD)?
    • Have any of the above customers made early termination payments with cash, with earlier tenors, or accelerated repayment?
    • There any documents/forms explaining the source of income/funds used for the repayment or for the down payment of the vehicle to the vendor/dealer?
    • Are there any customers named on the vehicle registration certificate (BPKB) and vehicle registration certificate (STNK) who are not members of the immediate family or are not listed on the Family Card (Kartu Keluarga)?
    • Are CDD and EDD conducted entirely by the APU PPT PIC at the branch office, based on the investigator's sampling data or based on the number of customers listed as PEP (Political Exposed Persons) and similar entities?
    • How many customers financed by the financing branch office in the last six months are members of a particular political party, council members, law enforcement officers, or civil servants?
    • Has each customer undergone APU PPT customer due diligence (CDD) and/or enhanced due diligence (EDD)?
    • Have any of the above customers made early termination payments with cash, with earlier tenors, or accelerated repayment?
    • There any documents/forms explaining the source of income/funds used for the repayment or for the down payment of the vehicle to the vendor/dealer?
    • Are there any customers named on the vehicle registration certificate (BPKB) and vehicle registration certificate (STNK) who are not members of the immediate family or are not listed on the Family Card (Kartu Keluarga)?
    • Are CDD and EDD conducted entirely by the APU PPT PIC at the branch office, based on the investigator's sampling data or based on the number of customers listed as PEP (Political Exposed Persons) and similar entities?

    A/R DUE DILIGENCE SERVICES

    For Cessie Transactions

    In our Accounts Receivable (A/R) Due Diligence Services, we provide due diligence and a one-by-one review of A/R sales from existing creditors (“cedents”) to new creditors (“cessionaries”), or This is also known as a "cession," which is the transfer of bad debts through sale to new creditors (“cessionaries”).

    These services include:

    That each account to be sold as an assignment can undergo a one-by-one due diligence review, including;

    • Debtor's name
    • Debtor's residence data, whether it is still valid or not
    • Debtor's collateral data (whether it is still available or not) or whether it is in the debtor's possession
    • A chronological match between the history of receivables default/cause of default with the actual facts and a field check comparing the chronological information data from the cedent to the prospective cessionary (potential new creditor).
    • Whether the debtor truly has financing facilities as stated in the existing financing agreement.
    • Can be conducted randomly/through random sampling
    • Can be conducted in detail on each account receivable under the cession.

    *) Depends on the agreement between us and the client.

     In the context of a cession will provide a description/report and overview to potential new creditors regarding;

    • The estimated amount or nominal A/R that can be recovered/collected from the new creditor (cessionary) from the debtor (helps calculate the potential recovery result versus loss in recovery amount)
    • Assisting in the offer/or negotiation of the sale and purchase price of Accounts Receivable
    • The validity of the data between the existing creditor's (cedent) data and the actual facts and reality based on our due diligence report.
    • "The transfer of receivables under a name and other intangible assets is carried out by means of an authentic or private deed that transfers rights to the assets to another person. This transfer has no consequences for the debtor until the transfer is notified to him or approved in writing or acknowledged. The transfer of bearer debt instruments is carried out by handing them over; the transfer of debt instruments under orders is carried out by handing them over together with an endorsement of the instrument."
    • Including delivery services for the information letter of cessie, from the existing creditor (cedent) to the debtor, using a package/courier provider or our internal PIC.
    • We will also archive all receipts for the notification letter to be submitted to the prospective cessionary buyer/new creditor (cessionaris candidate).

    ISO 37001:2016
    ANTI-BRIBERY CERTIFICATION

    For "Preventive" Investigative Audits, we can provide an ISO 37001:2016 Anti-Bribery (including Anti-Fraud) Certificate for a three-year period, with a repeat audit period of 37001:2016 annually.


    For companies/clients not eligible for ISO certification, or those whose preventive audits reveal a number of fraud findings/allegations, we can grant ISO Anti-Fraud certification after improvements to the client's SOPs and/or company policies have been made.


    Within six months of operational improvements and anti-fraud supervision, or after no further fraud indications are found, we can grant Anti-Bribery Certification 37001:2016.


    This certification will be determined based on the results of preventive and fraud-indication investigative audits. This certification is carried out by our team of associates, licensed and competent as assessors and lead auditors for ISO Anti-Bribery 37001:2016 and various other ISO certifications over the past 18 years.


    We can provide others ISO :

    • ISO 37001 Anti-Bribery Management System
    • ISO 27001 Information Security Management System
    • ISO 21001 Educational Organization Management System
    • ISO 55001 Asset Management System
    • ISO 50001 Energy Management System
    • ISO 37301 Compliance Management System
    • ISO 22301 Business Continuity Management System
    • ISO 9001 Quality Management System
    • ISO 14001 Environmental Management System
    • ISO 45001 Occupational Health and Safety Management System


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