Corruption Prevention PT Bank Mandiri (Persero) Tbk. Pencegahan Korupsi PT Bank Mandiri (Persero) Tbk.

Transkripsi

1 Penerapan Strategi Anti-Fraud Bank Mandiri telah menerapkan Strategi Anti Fraud yang diatur dalam setiap Kebijakan, Standar Prosedur Operasional, Petunjuk Teknis Operasional dan pengaturan lainnya. SAF Bank Mandiri mengacu Surat Edaran bank Indonesia No. 13/28/DPNP perihal Penerapan Strategi Anti Fraud bagi Bank Umum. Implementasi SAF dalam setiap Kebijakan, Standar Prosedur Operasional dan Petunjuk Teknis Operasional menjadi salah satu bagian penyempurnaan Kebijakan Sistem Pengendalian Internal Bank. Adapun rumusan SAF adalah sebagai berikut : 1. Fungsi Pencegahan Merupakan tanggung jawab seluruh jajaran Bank (unit kerja) dan merupakan bagian dari Sistem Pengendalian Fraud dalam rangka mengurangi potensi terjadinya fraud. 2. Fungsi Deteksi Merupakan tanggung jawab seluruh unit, baik 1st line of defense, 2nd line of defense maupun 3rd line of defense dan merupakan bagian dari Sistem Pengendalian Fraud dalam rangka mengidentifikasi dan menemukan fraud dalam kegiatan usaha bank. 3. Fungsi Investigasi, Pelaporan, & Sanksi Merupakan tanggung jawab Direktorat Internal Audit dan bagian dari Sistem Pengendalian Fraud dalam rangka penanganan fraud yang terjadi melalui investigasi dan hasilnya dilaporkan kepada Direktur Utama, Dewan Komisaris dan Bank Indonesia, termasuk usulan pengenaan sanksi bagi para pelaku fraud. Implementation of Anti-Fraud Strategy Bank Mandiri has implemented an AFS set out in each Policies, Standard Operating Procedures, Technical Instructions Operating and other settings. AFS Bank Mandiri Bank Indonesia Circular reference No. 13/28 / DPNP regarding Anti Fraud Strategy Implementation for Commercial Banks. Implementation of AFS in each Policies, Standard Operating Procedures and Technical Instructions Operating become one of the refinement of the Internal Control System Policy Bank. The formulation of the AFS is as follows : 1. Prevention Function Is the responsibility of all employees of Bank (work unit) and is part of the Fraud Control System in order to reduce the potential for fraud. 2. Detection Function Is the responsibility of the entire unit, both 1st line of defense, 2nd and 3rd line of defense line of defense and is part of the Fraud Control System in order to identify and locate fraud in banking operations. 3. Functions of Investigation, Reporting, & Sanctions It is the responsibility of the Directorate of Internal Audit and Fraud sections of the Control System in the handling of fraud that occurred through the investigation and the results are reported to the President Director, BOC and Bank Indonesia, including the proposed imposition of sanctions for the perpetrators of fraud. 1

2 4. Fungsi Pemantauan, Evaluasi, & Tindak Lanjut Merupakan tanggung jawab Direktorat Internal Audit dan merupakan bagian dari Sistem Pengendalian Fraud dalam rangka monitoring atas tindak lanjut hasil investigasi dan evaluasi kejadian fraud untuk memperbaiki kelemahan-kelemahan dan memperkuat Sistem Pengendalian Intern agar dapat mencegah terulangnya kembali fraud karena kelemahan yang serupa. Perbaikan program-program SAF baik Pilar I Pencegahan, Pilar II Deteksi, Pilar III Investigasi, Pelaporan, dan Sanksi dan Pilar IV Pemantauan, Evaluasi, dan Tindak lanjut terus dilakukan untuk mengantisipasi potensi risiko ke depan seiring dengan perkembangan bisnis Bank. Salah satu perbaikan yang dilakukan adalah dengan mengimplementasikan Memorandum Prosedur Pendelegasian Kewenangan dan Sanksi. Melalui implementasi MP tersebut, penanganan kasus fraud termasuk proses recovery kerugian menjadi lebih cepat, memperluas jangkauan pendeteksian kejadian serta pemantauan tindak lanjut perbaikan dari evaluasi kejadian fraud yang dilakukan oleh Internal Audit maupun Regional Business Center (RBC) di wilayah. Penerapan Anti Pencucian Uang (APU) dan Pencegahan Pendanaan Terorisme (PPT) Kegiatan pencucian uang merupakan suatu ancaman bagi perbankan, karena pada dasarnya perbankan dapat dimanfaatkan oleh para pelaku kejahatan khususnya pelaku tindak pidana pencucian uang. Perbankan, dalam hal ini menghadapi berbagai risiko akibat digunakannya bank sebagai sarana pencucian uang, seperti risiko operasional, risiko hukum, risiko kepatuhan, risiko 4. Function Monitoring, Evaluation, and Follow- Up It is the responsibility of the Directorate of Internal Audit and Control System is part of the monitoring of fraud in order to follow up the results of the investigation and evaluation of the incidence of fraud to correct weaknesses and strengthen the Internal Control System in order to prevent the reoccurrence of similar fraud in weakness. Repair programs SAF both Pillar I "Prevention", Pillar II "Detection", Pillar III "Investigating, Reporting and Sanctions" and Pillar IV "Monitoring, Evaluation and Follow-up" continues to anticipate potential future risks in line with business development bank. One improvement that is done is to implement the Memorandum of Procedure Delegation of Authority and sanctions. Through the implementation of the MP, the handling of cases of fraud including loss recovery process becomes faster, expand the range of event detection and follow-up monitoring of the repair fraud incident evaluation conducted by the Internal Audit Regional Business Center (RBC) in the region. Application of Anti-Money Laundering (AML) and Combating the Financing of Terrorism (CFT) Money laundering is a threat for the banks, because basically banks can be used by the perpetrators, especially the perpetrators of money laundering. Banking, in this case facing various risks due to the use of banks as a means of money laundering, such as operational risk, legal risk, compliance risk, concentration risk, and reputation risk. 2

3 konsentrasi, dan risiko reputasi. Oleh karenanya, penerapan Program APU PPT menjadi suatu keharusan dan telah menjadi komitmen bagi Bank Mandiri untuk menjalankannya secara konsisten dan efektif. Dalam rangka meningkatkan efektifitas penerapan Program APU PPT di Bank Mandiri, juga telah didukung dengan pengawasan aktif dari Direksi dan Dewan Komisaris. Peran Direksi dan Dewan Komisaris dalam melakukan pengawasan sangat memengaruhi tingkat pencapaian tujuan organisasi dalam penerapan Program APU PPT, termasuk di perusahaan anak. Selain itu, peranan Direksi dan Dewan Komisaris juga dapat memotivasi pegawai dan unit kerja dalam mendorong terbentuknya budaya kepatuhan di seluruh jajaran organisasi. Pelaksanaan progam APU PPT dilakukan oleh Unit Kerja Khusus (UKK) APU PPT yang secara struktural berada dibawah Satuan Kerja Kepatuhan (SKK) Kantor Pusat Bank Mandiri dan bertanggungjawab langsung kepada Direktur Risk Management & Compliance yang membawahi fungsi kepatuhan di Bank Mandiri. Kebijakan APU PPT Sesuai Peraturan Bank Indonesia No. 14/27/PBI/2012 tanggal 28 Desember 2012 tentang Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme bagi Bank Umum, penerapan program APU PPT merupakan bagian dari penerapan manajemen risiko Bank secara keseluruhan yang paling kurang mencakup: 1. Active Supervision Board of Directors and Board of Commissioners; 2. Policies and procedures; 3. The internal control; Therefore, application of the AML Program PPT becomes a necessity, and has become a commitment for the bank to run it consistently and effectively. In order to improve the effectiveness of APU PPT Program in Bank Mandiri, has also been supported by active supervision of the Board of Directors and Board of Commissioners. The role of the Board of Directors and Board of Commissioners in supervising obviously affects the attainment of organizational goals in implementing APU PPT Program, including at subsidiaries. In addition, the role of the Board of Directors and Board of Commissioners also can motivate employees and work units in encouraging a culture of compliance throughout the organization. Implementation of APU PPT program conducted by the Special Working Unit (UKK) APU PPT is structurally under the Compliance Unit (SKK) Bank Mandiri Head Office and directly responsible to the Director of Risk Management & Compliance is in charge of the compliance function in the bank. AML CFT Policy In accordance Indonesia Bank Regulation No. 14/27/PBI/2012 dated December 28, 2012 on the Implementation of Anti-Money Laundering and Combating the Financing of Terrorism for Banks, the implementation of APU PPT program is part of the implementation of risk management as a whole are at least include: 1. Pengawasan aktif Direksi dan Dewan Komisaris; 2. Kebijakan dan prosedur; 3. Pengendalian internal; 4. Sistem informasi manajemen; dan 3

4 4. The management information system; and 5. Human resources and training Benturan Kepentingan (Conflict of Interest) Benturan kepentingan adalah suatu kondisi dimana Jajaran Bank dalam menjalankan tugas dan kewajibannya mempunyai kepentingan di luar kepentingan dinas, baik yang menyangkut kepentingan pribadi, keluarga maupun kepentingan pihak-pihak lain sehingga Jajaran Bank tersebut dimungkinkan kehilangan obyektivitas dalam mengambil keputusan dan kebijakan sesuai kewenangan yang telah diberikan Bank kepadanya. Oleh karenanya: a. Seluruh Jajaran Bank wajib menghindari kegiatan yang dapat menimbulkan benturan kepentingan. Apabila satu dan lain hal tidak dapat dihindari, maka yang bersangkutan wajib melaporkannya kepada atasan langsung. b. Seluruh Jajaran Bank dilarang memberikan persetujuan dan atau meminta persetujuan atas fasilitas kredit, serta tingkat bunga khusus maupun kekhususan lainnya untuk: i. Dirinya sendiri. ii. Keluarganya. iii. Perusahaan dimana ia dan atau keluarganya mempunyai kepentingan. c. The entire Board of the Bank are prohibited from working in another company as directors, employees, consultants or commissioners, unless the assignment or have obtained written permission from the Bank. Exclusively for members of the Board of Commissioners and Board of Directors, have a position to follow the provisions regarding corporate governance regulator. 5. Sumber daya manusia dan pelatihan. Conflict of Interest Conflict of interest is a condition in which the Board of the Bank in carrying out its duties and responsibilities have interests beyond the interests of the service, both concerning personal, family or the interests of other parties so that the Board of the Bank of the possible loss of objectivity in making decisions and policies appropriate authority has been given Bank him. Therefore: a. The entire Board of the Bank shall avoid activities that may pose a conflict of interest. If one reason or another cannot be avoided, then the question shall report to the direct supervisor. b. b. The entire Board of the Bank is prohibited from giving consent or request approval for the loan, as well as preferential rates or other specificity: i. Himself/herself. ii. Family. iii. Companies where he or his family have interests. c. Seluruh Jajaran Bank dilarang bekerja pada perusahaan lain baik sebagai Direksi, karyawan, konsultan atau anggota Komisaris, kecuali apabila telah mendapatkan penugasan atau ijin tertulis dari Bank. Khusus untuk anggota Dewan Komisaris dan Direksi, perangkapan jabatan mengikuti ketentuan regulator mengenai GCG 4

5 d. Seluruh Jajaran Bank dilarang menjadi rekanan secara langsung maupun tidak langsung, baik rekanan untuk barang atau jasa bagi Bank. e. Seluruh Jajaran Bank dilarang mengambil barangbarang milik Bank untuk kepentinga sendiri, keluarga ataupun kepentingan pihak luar lainnya. f. Seluruh Jajaran Bank hanya diperkenankan melakukan transaksi sekuritas, perdagangan valuta asing, logam mulia, transaksi derivatif dan barang lainnya untuk kepentingan sendiri apabila tidak terjadi benturan kepentingan, pelanggaran peraturan insider trading dari Otoritas Pasar Modal, dan peraturan lainnya. d. The entire Board of the Bank was barred from the partner directly or indirectly, either partner for goods or services to the Bank. e. The entire Board of the Bank is prohibited from taking goods belonging to the Bank's own interest, family or other outside interests. f. The entire Board of the Bank is only allowed to conduct securities transactions, foreign exchange, precious metals, derivatives and other goods for their own interests if there is no conflict of interest, breach of insider trading rules of the Capital Market Authority, and other regulations. 5