Experience

A decade in banking technology, from core banking code to Head of IT

One institution, two countries and five roles of increasing scope: engineering and then managing the core banking platform at head office in Jakarta, then running technology, and now also accounting, for the London branch under UK regulation, while still shipping production code.

Case studies Skills matrix

Progression

  1. 2015 – 2020 Software & core banking engineering IT Officer Development Programme; IT Analyst, Core Banking System
  2. 2020 – 2022 Core banking management IT Manager, Core Banking System
  3. 2022 – 2023 International banking technology IT & Accounting Supervisor, London Branch
  4. 2024 – present Head of IT Head of Information Technology, London Branch; Acting Head of Accounting since 2026

Organisation PT Bank Negara Indonesia (Persero) TbkLocations London Branch (2022 – present) · Head Office, Jakarta (2015 – 2022)

Jan 2026 – present Concurrent role London Branch

Acting Head of Accounting

Concurrent with Head of IT

Bank Negara Indonesia · London Branch

Financial ReportingFinancial ControlsPRA / FCA / HMRC

Appointed in an acting capacity during a leadership transition while continuing to lead IT, running both functions in parallel.

  • Own financial close, ledger reconciliation and management and regulatory reporting to the PRA, FCA and HMRC
  • Direct operational insight into financial data quality, control effectiveness and audit requirements
  • Coordinate the accounting team alongside IT delivery responsibilities
  • Align ledger systems, controls and automation across Accounting and IT, including the EFS rollout and operational posting and reconciliation procedures

Representative delivery

EFS & accounting automationMurex F1 rate handoff
Jan 2024 – present London Branch

Head of Information Technology

Current

Bank Negara Indonesia · London Branch

IT Strategy & BudgetProduction EngineeringAWS & TerraformSWIFT gpi & ISO 20022CybersecurityPRA / FCATeam Leadership

Lead the London branch technology function for a PRA/FCA-regulated banking environment while concurrently owning accounting close and financial reporting.

  • Own application deployment, configuration, monitoring, incident response and change across core-banking interfaces, SWIFT/ISO 20022 messaging, treasury/Murex workflows, regulatory reporting and third-party integrations on Linux, AIX and Windows
  • Designed and productionised a secure AWS reporting platform with Terraform and serverless services: S3, DynamoDB, KMS, Lambda, API Gateway, CloudFront, Cognito, SNS, CloudWatch and EventBridge
  • Implemented zero-static-credential unattended AWS workloads with IAM Roles Anywhere, non-exportable certificates and PKI, least-privilege role chaining and production acceptance controls under Windows LOCAL SERVICE
  • Build and support Python/FastAPI services and automation for reconciliation orchestration, EOD report packaging and publishing, data validation, operational dashboards and regulatory-reporting workflows
  • Built a secure SharePoint Online/SPFx reporting portal with automated report delivery, replacing attachment-heavy distribution with controlled, auditable access
  • Own end-to-end infrastructure and cybersecurity: data centre, network and SD-WAN, end-user computing, BCP/DR readiness and security remediation; point of contact for risk, audit and regulators
  • Coordinate daily with head-office engineering teams and vendors across time zones, maintaining runbooks, architecture and dependency documentation and audit evidence; manage strategic vendors including IBM and EY

Selected achievements

  • Reverse-engineered an undocumented Fiorano ESB SWIFT gpi Universal Confirmation flow from Oracle and message-archive evidence, recovering 7,932 historical confirmations, and replaced it with a fail-closed Python/Oracle service: approximately 2,000 live confirmations with zero SWIFT-interface rejections
  • Eliminated a legacy query that expanded to roughly 243 million rows (about 31,109x amplification) with auditable deduplicated selection and explicit ambiguity handling
  • Owned post-go-live reliability engineering across eight production incidents: bounded database timeouts, progress-based watchdogs, snapshot-scoped Oracle reads, recovery tooling; 12 automated regression suites and 45 design and forensics documents
  • Delivered staged IT centralisation with approximately 30% cost reduction and zero data loss across migrated systems
  • Embedded validation, reconciliation and anomaly alerting into data pipelines, cutting recurring manual reconciliation effort by approximately 75%
  • Delivered production-grade secure report publishing with idempotent S3/DynamoDB verification, reconciliation gates and certificate-based unattended authentication
  • Supported the Murex treasury go-live and automated downstream F1 rate and report integration with EOD timing, file-date and reconciliation controls

Representative delivery

SWIFT gpi Universal Confirmation platformAWS secure reporting platformSharePoint reporting portalMurex treasury integrationAML transaction monitoringBCP/DR & network modernisationSWIFT CSP assuranceIT centralisationInterest income reporting

Environment: Python 3.12, FastAPI/Uvicorn, pandas, Selenium, SQL/PLSQL, Oracle 11g, python-oracledb, MySQL, SQLite WAL, Linux, AIX, Windows Server, Windows Services/pywin32, DPAPI/Windows Credential Manager, SMB, AWS (IAM Roles Anywhere, S3, DynamoDB, KMS, Lambda, API Gateway, CloudFront, Cognito, SNS, CloudWatch, EventBridge), Terraform, PowerShell, Docker, Git/GitLab/Jenkins, SharePoint/SPFx, Microsoft Graph, SWIFT MT/MX/gpi, MT199/MT103, UETR, Finastra, ISO 20022, Murex.

Aug 2022 – Dec 2023 London Branch

IT & Accounting Supervisor (Special Assignment)

Bank Negara Indonesia · London Branch

Production SupportISO 20022 MigrationReporting PipelinesFastAPIAudit & Compliance

Transferred from Jakarta to supervise branch IT operations and production support, deliver the ISO 20022 payment messaging migration and establish automated reporting and monitoring pipelines.

  • Provided L1/L2 support and coordinated escalation across core banking, payment messaging, reporting and end-user systems
  • Built automated Balance Sheet and P&L ingestion pipelines in SQL and Python with embedded validation and reconciliation
  • Designed daily transaction-monitoring dashboards and anomaly and data-quality alerts for operations and compliance
  • Built and supported FastAPI services for reconciliation orchestration, dashboard backends and regulatory-reporting submission
  • Maintained the accounting system, SWIFT messaging, trade finance and remittance platforms; coordinated audits and PRA/FCA compliance

Selected achievements

  • Led the SWIFT MT-to-MX / ISO 20022 migration end to end: schema mapping, validation, dual-publish reconciliation and consumer-by-consumer cutover with no production breakage
  • Improved regulatory-reporting accuracy and turnaround through automated ingestion and validation
  • Started the IT centralisation from the London Branch to head office, later completed as Head of IT with zero data loss

Representative delivery

ISO 20022 CBPR+ migrationBalance sheet & P&L pipelinesIT centralisationAutomated statement delivery

Environment: Python, FastAPI, SQL, Oracle, SWIFT MT/MX, ISO 20022, Linux, AIX, GitLab CI/CD, Jenkins.

Aug 2020 – Jul 2022 Head Office, Jakarta

IT Manager, Core Banking System

Bank Negara Indonesia · Head Office

Team LeadershipCOBOL / AIXOracle / PLSQLSOA / RESTIdempotency & Reconciliation

Owned backend development, integration and production support for high-volume core-banking data flows on AIX, COBOL and Oracle, leading a team of developers.

  • Owned transactional and savings platforms and their integrations with mobile, internet and ATM channels, including real-time general-ledger posting
  • Designed SOA/REST contracts and messaging integrations for local clearing, payment and merchant-settlement flows
  • Designed idempotency and reconciliation controls for retries and partial failures; tuned SQL/PLSQL for high-volume transaction and EOD batch windows
  • Led production incident response across application, database, infrastructure and networking teams
  • Mentored developers on clean, testable and auditable backend code; managed cross-functional work with business, risk, compliance and external consultants (IBM, EY)

Selected achievements

  • Led the BNI New York Branch core-banking implementation including validation, migration, reconciliation and sign-off
  • Delivered integrations for BI-FAST, QRIS, Virtual Account, Notional Pooling and Multicurrency Giro
  • Contributed to the BNI Syariah-to-BSI merger migration with focus on ledger continuity and data integrity

Representative delivery

New York core banking implementationBNI Syariah → BSI mergerMulticurrency giroBI-FASTNotional pooling

Environment: Java, COBOL, C++, Python, Oracle, PL/SQL, AIX, SOA, REST, TCP/UDP messaging.

Dec 2016 – Jul 2020 Head Office, Jakarta

IT Analyst, Core Banking System

Bank Negara Indonesia · Head Office

JavaC++COBOL / AIXOracleAML MonitoringTCP / UDP · SOA

Backend engineer for core banking, electronic-channel integration, AML transaction monitoring and regulatory-reporting workflows.

  • Built backend components in Java, C++, COBOL, PHP, Python and Oracle for core-banking processing and e-channel integration
  • Developed AML transaction-monitoring rules, alert routing and false-positive tuning workflows for compliance investigators
  • Implemented API/SOA integrations over TCP/UDP with defensive handling of malformed messages, timeouts and connection loss
  • Designed and tuned Oracle structures, queries and batch jobs for high-volume workloads; supported 24/7 availability of transactional modules
  • Performed deployment validation, data-quality assurance and incident support for branch and internal users
  • Authored unit-testing documentation adopted as a wider team standard

Representative delivery

BI-FASTQRISVirtual AccountNotional poolingSocial aid disbursement

Environment: Java, C++, COBOL, PHP, Python, Oracle, SOA, TCP/UDP.

Jan 2015 – Nov 2016 Head Office, Jakarta

IT Officer Development Programme

Bank Negara Indonesia · Head Office

General BankingBranch OJTCore Banking ISTMulti-division Rotation

A structured graduate technology programme covering core banking, infrastructure and applications, combining general banking education, on-the-job training in a branch and in-service training inside the IT division before joining the core-banking engineering team.

  • General banking: products, deposits and lending, treasury, trade finance, remittance, accounting, AML and KYC, risk, audit and the OJK and Bank Indonesia regulatory environment
  • Branch placement: teller and customer-service operations, account opening, payments and clearing, back-office reconciliation and loan origination, learning which systems each role depends on
  • Core banking induction: the AIX and COBOL platform, daily batch operations, the Oracle database layer and the integration messaging to channels and downstream systems
  • Rotations across application development, database and data warehouse, infrastructure, IT security and IT project management
  • Final placement in the Core Banking division as IT Analyst