Arfian Muhammad has a solid background in banking operations, currently serving as a Central Back Office Domestic Transaction professional at PT. Bank IBK Indonesia Tbk since April 2024, with responsibilities that include managing SKN, RTGS, and BI FAST transactions, as well as settlement and reconciliation tasks. Prior to this role, Arfian worked at Bank SBI Indonesia from June 2021 to April 2024 as a Back Office Staff, focusing on daily bank reconciliation reports, transaction coordination, and managing customer inquiries. Earlier experience includes a brief internship in Human Resources at PT. Krama Yudha Tiga Berlian Motors in mid-2019. Arfian holds a Bachelor's degree in Human Resources Management from the State University of Jakarta, completed in 2021.