Pembekalan Sertifikasi Compliance Officer

Level 2

Penerapan Program
Anti Pencucian Uang dan Pencegahan
Pendanaan Terorisme
(APU PPT)
 Agenda

Pilar Program APU PPT

Know Your Customer

Modus Pencucian Uang

Strategy Anti Fraud dan Know Your Employee

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01 Penerapan 5 Pilar Program APU PPT

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5 Pilar Program APU PPT
Regulasi & Framework APU PPT di Indonesia
UU No. 8 Tahun 2010 tentang Pencegahan dan Pemberantasan Tidak Pidana Pencucian Uang (PP TPPU)
UU No. 9 Tahun 2013 tentang Pencegahan dan Pemberantasan Tindak Pidana Pendanaan Terorisme (PP TPPT)

• PBI No. 14/27/PBI/2012 tanggal 28/12/2012

• SE BI No. 15/21/DPNP tanggal 14/06/2013
Tentang Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme bagi Bank Umum

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5 Pilar Program APU PPT
Penerapan

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Rezim Anti Pencucian Uang di Indonesia

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Penerapan APU PPT
Kewajiban PJK

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02 Know Your Customer

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Know Your Customer
What is it?

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Know Your Customer

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Know Your Customer
Apa yang perlu dilakukan

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Know Your Customer
Prinsip KYC

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Know Your Customer
Apa orientasi anda?

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Know Your Customer
4 ‘Key Elements” pengenalan nasabah:

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Know Your Customer
Customer Identification

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Know Your Customer
Customer Identification

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Know Your Customer
Customer Acceptance - Key Points

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Know Your Customer
Risiko Money Laundering bagi Bank

o Reputational risk

o Legal risk

o Operational risk

o Concentration risk

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Know Your Customer
Penerapan Risk Based Approach

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Know Your Customer
Monitoring - Suspicius Transaction

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Know Your Customer
Pelaporan Suspicious Transaction

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Know Your Customer
Anti Tipping-Off

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03 Modus Pencucian Uang

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 Modus Pencucian Uang
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 Modus Pencucian Uang

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 Modus Pencucian Uang
Definisi Money Laundering

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 Modus Pencucian Uang
Cara Pelaku Melakukan Pencucian Uang

 Disimpan di bank atas nama orang lain

 Disetorkan secara tunai atau ditransfer ke berbagai rekening yang

berbeda atas nama orang-orang yang berbeda pula

 Dipakai untuk menambah modal usaha atau bisnis legal

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 Modus Pencucian Uang
Tujuan Pencucian Uang

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 Modus Pencucian Uang
Money Laundering Stages

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 Modus Pencucian Uang
Placement Stage

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 Modus Pencucian Uang
Layering Stage

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 Modus Pencucian Uang
Integration Stage

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 Modus Pencucian Uang
Modus Money Laundering – Integration – Business Recycling

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 Modus Pencucian Uang
Case Money Laundering

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04 Know Your Employee & Strategy Anti Fraud

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 Strategy Anti Fraud
Definisi

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 Strategy Anti Fraud

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 Strategy Anti Fraud
SE BI 13/28/DPNP tanggal 9 Desember 2011 Penerapan SAF Bank Umum

o SAF bagian dari kebijakan strategis yg penerapannya diwujudkan dalam

Sistem Pengendalian Fraud (Fraud Control System)

o Bank yang telah memiliki SAF tapi belum memenuhi acuan minimum SE
BI, wajib menyesuaikan dan menyempurnakan SAFnya

o Bank wajib menyampaikan Laporan SAF kepada BI dan jika tidak

menyampaikan strategi dan laporan tersebut dikenakan sanksi
administratif

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 Strategy Anti Fraud
Pilar Penerapan SAF

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 Know Your Employee
due diligence

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Terima Kasih
» mulyantoro@yahoo.com / 08161836424

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