Ribka Marina Monique Hutapea, M.Mgt.

Professional Summary Senior Compliance & Risk Management Professional with 15+ years of experience in banking, property, and consulting industries. Proven track record in regulatory compliance reviews, corporate governance, ISO auditing, and sustainability reporting, combined with certifications in Banking Risk Management (Level 5) and ISO 9001 Lead Auditor. Adept at aligning corporate strategies with Financial Services Authority (OJK – Indonesia), Central Bank of Indonesia (BI), and international compliance standards, while leveraging data analytics, digital reporting, and cross-border collaboration to strengthen governance and risk culture. Key Highlights: • Successfully led and mentored multiple business units in implementing Regulatory Risk-Control Self-Assessment (RRCSA) frameworks. • Collaborated remotely with UOB Singapore headquarters, ensuring consistent compliance standards across jurisdictions. • Skilled in data-driven risk monitoring (Power BI, Excel) and digital compliance reporting. • Strong record of embedding governance and sustainability practices to support long-term business growth. Remote Work Readiness: Proven experience leading compliance and risk functions remotely across jurisdictions, with strong skills in asynchronous communication, stakeholder engagement, and digital reporting, ensuring operational continuity and alignment with global compliance standards. Key Skills • Regulatory Compliance: Financial Services Authority of Indonesia (OJK), Central Bank of Indonesia (BI), ISO Standards • Governance, Risk & Compliance (GRC). • Internal & External Audit (ISO 9001 Lead Auditor). • Technical writing (Microsoft Visio). • Risk Monitoring & Data Analytics (Power BI, Excel). • Digital Finance & Remote Collaboration (Teams, Zoom, VPN, Google Workspace, Webex). • Policy Development & Regulatory Risk-Control Self-Assessment (RRCSA). • Stakeholder Engagement & Cross-Border Coordination. Work Experience Compliance Assurance Manager – United Overseas Bank (UOB) Indonesia | Aug 2021 – Present • Performed regulatory compliance review assignments to assess adherence to OJK & BI regulations. • Governed 700+ regulations and mentored 18 Business Units on regulatory risk self-assessment to strengthen compliance culture. • Collaborated remotely with UOB Singapore Headquarters to align compliance standards, achieving 100% timely submission of reports. • Streamlined compliance reporting processes, reducing regulatory breaches from 5 to 3 while improving accuracy of submissions. Risk Management, Compliance, and Internal Audit Division Head – PT BLD Tbk (Public-Listed Property) | Aug 2013 – Aug 2021 • Coordinated Good Corporate Governance & ISO 9001/QMS across 12 work units, ensuring successful certification renewal with zero major non-conformities. • Developed and monitored corporate sustainability programs, driving 30% reduction in HSE incidents over 3 years. • Authored Governance & Sustainability section in annual report, strengthening transparency with stakeholders. • Oversaw regulatory submissions to OJK, ensuring full compliance and timely delivery. Senior Consultant, Risk & Internal Audit Advisory – RSM Indonesia | Oct 2009 – Aug 2013 • Conducted 12+ audit engagements for clients in banking, insurance, and manufacturing sectors, achieving 90% adoption of recommendations. • Applied statistical sampling to strengthen reliability of audit findings, improving audit efficiency by 20%. • Prepared and presented detailed audit reports to senior management, ensuring compliance with professional standards. • Advised clients on business process improvements and supported the implementation of effective corporate governance practices. Education • Master of Management, Cum Laude (GPA 3.74 / 4.00) – Atma Jaya Catholic University of Indonesia (2017). • Bachelor of Economics (GPA 2.93 / 4.00) – Atma Jaya Catholic University of Indonesia (2009). Certifications & Training • Certified Banking Risk Management Level 5 – LSPP Indonesia (2025). • Certified Lead Auditor of ISO 9001:2015 – SGS Academy Indonesia (2022). • Certified Banking Compliance Level 1 – FKDKP Indonesia (2022). • Data Analytics / Power BI – UOB Indonesia (2023). • Blockchain & Cryptocurrency Fundamentals – Udemy (2025). • IELTS – Kobi Education (2025) Languages • Indonesian – Native. • English – Professional Working Proficiency. • Chinese (Mandarin) – Basic.