Andreas Setiarama is a seasoned professional in risk management and analytics with a comprehensive background in the financial services sector. Currently serving as Senior Fraud Risk Analytics at PT Bank BTPN Tbk since October 2021, Andreas has previously held leadership roles at J TRUST OLYMPINDO MULTI FINANCE as Head of Risk Management and Head of Portfolio Analytics & Support. Experience at DBS Bank includes positions as Senior Associate in Consumer Credit Fraud Management and Associate in Consumer Credit MIS & Analytics. Earlier career milestones include roles at WOM Finance, ABN AMRO Bank, and Citibank, focusing on collection MIS, analytics, and risk management. Andreas holds a Bachelor's degree from the University of Indonesia, specializing in Social Welfare.