Bank BTN Jobs: Operational Risk Control Retail Banking Department Head | Regional Business Control Head
PT Bank Tabungan Negara (Persero) Tbk, commonly known as Bank BTN, is one of Indonesia’s oldest and most prominent financial institutions. Established in 1897 under the name Postspaarbank during the Dutch colonial era, the bank initially served as a savings institution for postal services. Following Indonesia’s independence, the bank was nationalized in 1950 and renamed Bank Tabungan Negara. Over the decades, Bank BTN has evolved into a full-service commercial bank with a strong focus on housing finance, playing a pivotal role in supporting the government’s housing development programs. One of Bank BTN’s defining characteristics is its commitment to housing finance. The bank has long been recognized as a key partner of the Indonesian government in promoting home ownership, particularly among low- and middle-income families. It actively supports the government’s subsidized housing programs and provides mortgage financing tailored to various income levels. This strategic focus has positioned Bank BTN as a market leader in residential mortgage lending, with a significant share of the national housing loan portfolio.
In addition to its conventional banking services, Bank BTN has embraced digital transformation to enhance customer experience and operational efficiency. The bank offers mobile and internet banking platforms that allow customers to conduct transactions, access account information, and manage finances remotely. It also provides SMS banking and safe deposit box services, catering to the diverse needs of its clientele. The integration of digital solutions reflects Bank BTN’s commitment to innovation and its efforts to remain competitive in the rapidly evolving financial landscape.
Bank BTN operates under the supervision of Indonesia’s Financial Services Authority and is listed on the Indonesia Stock Exchange under the ticker symbol BBTN. As a publicly traded company, it adheres to principles of good corporate governance and transparency. The bank’s financial performance has shown resilience and growth, with substantial assets, equity, and profitability. In recent years, it has reported trillions of rupiah in revenue and net income, underscoring its role as a major player in the national banking sector.
The leadership of Bank BTN comprises experienced professionals who guide the bank’s strategic direction and ensure alignment with its mission and values. The bank’s vision is to be the leading partner in empowering Indonesian families financially, while its mission includes supporting financial and housing inclusion, delivering integrated digital and financial services, enhancing shareholder value through sustainable profitability, and fostering a culture of excellence and innovation.
Bank BTN’s brand portfolio includes several product lines designed to meet specific customer needs. These include Batara, Investa, Juara, Simpel, Cermat, Felas, Simuda, Prima, Spekta, Blink, and Balē. Each brand represents a unique offering, from basic savings accounts to investment solutions and youth-oriented financial products. The bank also provides corporate services such as cash management, payment management, and bank guarantees, supporting the financial operations of businesses across sectors.
With a legacy spanning more than a century, Bank BTN continues to play a vital role in Indonesia’s financial ecosystem. Its dedication to housing finance, digital innovation, and inclusive banking positions it as a trusted institution for millions of Indonesians. As the country progresses toward greater economic development and financial inclusion, Bank BTN remains committed to its foundational purpose of serving the people and contributing to national prosperity.
With over 737 branches and 3,789 ATMs across Indonesia, BTN has a strong presence in the country's financial landscape. The bank continues to innovate and adapt to the digital era, offering convenient online and mobile banking services to meet the evolving needs of its customers.
BTN's commitment to excellence and customer satisfaction has earned it numerous awards and recognitions, including the Gold Winner Mob-Ex Awards 2023 for the Best Campaign in Banking and Finance. The bank remains dedicated to its goal of providing accessible and high-quality financial services to the Indonesian population.
BTN is opening its doors for outstanding professional candidates to fill following positions.
Operational Risk Control Retail Banking Department Head
Job Description
- Responsible for conducting internal fraud investigations within Head Office management divisions in accordance with authority and established SLAs
- Ensure validation of control design for risks identified by risk-taking units in compliance with applicable regulations
- Oversee advisory and assurance activities related to business processes and products in accordance with SLAs
- Implement the established framework and ensure timely and high-quality completion of Risk Register and RCSA requirements
- Ensure risk event analysis, Risk Control Self-Assessment (RCSA), and lessons learned activities are completed with the Line of Business (LoB) within the targeted timeline
Qualifications
- Minimum Bachelor's degree (S1)
- At least 10 years of total working experience
- More than 5 years of experience in Operational Risk Management within the banking industry
- Experience in a Big Four consulting firm in a similar field is preferred
- Experience implementing operational risk management as a 1.5th Line or 2nd Line function
- Strong understanding of retail consumer banking business processes, including funding and lending operations
Regional Business Control Head
Job Description
- Responsible for conducting internal fraud investigations in branch offices in accordance with authority and established SLAs
- Prepare and submit fraud indication reports to the relevant division according to authority
- Gather evidence, interview victims and suspects, perform forensic financial analysis, digital tracing, and coordinate with related units for evidence collection
- Supervise the preparation of comprehensive Investigation Result Reports (LHI) and determine the amount of potential and/or actual losses resulting from fraud in accordance with authority
- Conduct awareness programs on fraud mitigation policies and regulations, and share knowledge regarding fraud trends and developments in branch offices and Regional Offices (RO) within their Area of Responsibility (AOR) to increase employee awareness of fraud risks and prevention measures.
Qualifications
- Minimum Bachelor's degree (S1)
- At least 10 years of total working experience
- More than 5 years of experience in Operational Risk Management within the banking industry
- Experience in a Big Four consulting firm in a similar field is preferred
- Experience implementing operational risk management as a 1.5th Line or 2nd Line function
- Strong understanding of retail consumer banking business processes, including funding and lending operations
This is your chance to begin a career journey with BTN, grow, innovate, and make an impact in Indonesia’s banking industry. See you future, BTNers.
Register yourself immediately through links below. Shortlisted qualified applicants will be invited to attend the selection test.
Beware of fraud! BTN never charges any fees in the recruitment process.
Official announcements are only through corporate e-mail with the domain timrekrutmen[at]btn.co.id and BTN corporate SMS blast.
BTN recruitment committee does not accept any form of gratuity.
PS: Translated from Bahasa Indonesia.
Operational Risk Control Retail Banking Department Head | Regional Business Control Head
