Legal and Compliance Division

Fransiska Oei has completed her education as a Bachelor of Law at Trisakti University in 1981 and a Business Law Course at Warnborough College, Oxford, England. She has had various experiences working in the banking sector, such as Director of Legal, Compliance, and Corporate Secretary at PT Bank Danamon Indonesia Tbk and PT Bank Internasional Indonesia Tbk (2005-2016).

She also served as Senior Advisor for Legal & Compliance at PT Bank Internasional Indonesia Tbk (2004-2005), Member of the Board of Commissioners at PT Bank Mandiri Tbk (2004-2005), Founder & Senior Partner at LBAF Law Firm (2002- 2004), Director of Legal, Compliance, and Others at PT Bank Internasional Indonesia Tbk (2000-2001) and Chief of Staff, Legal & Compliance Director at Citibank (1998-2000).

Director Of Compliance, Legal Affairs & AML PaninBank.

Mr. Ardhi Wibowo, is a Indonesian citizen. He was appointed as Compliance Director pursuant to the Annual General Meeting of Shareholders held on 30 April 2020 and became effective since 20 May 2020.

Mr. Ardhi has more than 19 years of work experience in banking industry and financial services sector, and has been with UOB Indonesia since March 2020.

Prior to joining UOB Indonesia, he served as Compliance Director of Citibank Indonesia prior to joining UOB Indonesia.He began his career as Senior Team Leader Sales and Marketing Department for GE Capital Indonesia, and pursued his career as Associate Manager at Ernst & Young Indonesia, Audit Internal Manager at The Royal Bank of Scotland and Barclays Indonesia, and Wholesale, Auto and Subsidiary Audit Head at Bank CIMB Niaga, and subsequently he joined Citibank Indonesia.

Mr. Ardhi holds a Master of Business Administration degree from the University of Birmingham, England and a Bachelor’s Degree in Accounting from the University of Indonesia.

Prior to being appointed as Compliance Director of PermataBank, he was Legal and Compliance Director, Independent Director and Corporate Secretary at PT Bank Maybank Indonesia, Tbk. (formerly named PT Bank International Indonesia, Tbk.) since March 2014.

Nisha Asha Bhambhani – Bank HSBC Indonesia

Started her career in banking since 1991. Became Compliance Director, Country Head Legal & Compliance at Standard Chartered Bank, Indonesia (1998-2006). Director, Country Compliance Representative at ABN AMRO Bank NV Indonesia (2006-2009). Director of Legal, Compliance and Corporate Secretary at PT Bank Internasional Indonesia Tbk (now PT Bank Maybank Indonesia Tbk) (2009-2013). Director, Regulatory Compliance & Financial Crime Compliance, The Hongkong Shanghai Banking Limited (HSBC Indonesia) (2013-2016).

Served as Compliance Director of PT Bank Jago Tbk. since 2020.
Her career in banking Compliance spans more than two decades at PT Bank Central Asia Tbk., Citibank, Deutsche Bank, PT Bank MNC Internasional Tbk. and PT Bank DBS Indonesia Tbk.

Yessika Effendy – Bank Maybank Indonesia

Ibu Yessika Effendi adalah Warga Negara Indonesia yang saat ini menjabat sebagai Direktur yang membawahkan fungsi Kepatuhan di PT Bank Maybank Indonesia Tbk sejak 1 April 2024. Penunjukannya telah memperoleh persetujuan dari Otoritas Jasa Keuangan pada 11 Juli 2024, dengan masa jabatan hingga penutupan RUPS Tahunan tahun 2027.

Beliau meraih gelar Bachelor of Science di bidang Matematika dan lImu Komputer dari The University of Adelaide, Australia, serta gelar Master of Business Administration dari Purdue University Global, Amerika Serikat.

Memiliki pengalaman lebih dari 28 tahun di industri perbankan, beliau telah menempati berbagai posisi strategis, termasuk sebagai Direktur Kepatuhan di Citibank N.A., PT Bank HSBC Indonesia, serta PT Bank Commonwealth Indonesia sebelum bergabung dengan Maybank Indonesia.