Ulah Karyawati, an employee at Bank Jambi, stole Rp 7.1 million from a customer, leading to her being blacklisted and the teller being transferred.

, JAMBI - A number of male and female employees at Bank Jambi have been subjected to light to severe penalties related to a case of embezzling customer funds amounting to Rp 7.1 billion.

The case involving employee Rafina Salsabila (26) implicates several other employees' names.

Rafina has been designated as a suspect by the Polda Jambi investigators.

Rafina herself faces dismissal and is blacklisted from banking.

Sedangkan tujuh karyawan yang bertugas di bagian teller dan satu head teller disanksi demosi atau penurunan jabatan hingga dimutasi.

The Financial Services Authority (OJK) of Jambi has included the name of the suspect in the embezzlement of customer funds from Bank Jambi amounting to Rp 7.1 billion on the black list of the financial industry.

This step is taken as a preventive measure to ensure that such incidents do not recur. "The suspect will be blacklisted from the financial industry," said Agus, the spokesperson for OJK Jambi, via a short message on Saturday (6/7/2025), as reported by Kompas.com.

Agus explained that the internal investigation of the bank showed that the fraudulent action was carried out independently by the suspect, taking advantage of gaps in the implementation of standard operating procedures. Therefore, only one person was included on the blacklist.

The suspect's name will be recorded in the SIPUTRI (Integrated Financial Services Agency Suspect Information System) application.

This system records an individual's track record during their career in the financial industry and serves as a reference for future promotion processes.

Meanwhile, seven tellers and one head teller who were also indirectly involved due to violating standard operating procedures (SOP) were subjected to internal sanctions. They were either demoted or transferred to departments unrelated to customer service.

"Just a suspect. This means that the seven employees (cashiers and head cashiers) are not on the blacklist," Agus emphasized firmly.

Their violation consists of negligence in implementing standard operating procedures, specifically in the withdrawal of savings by a third party that does not comply with the bank's internal regulations.

"In order to provide a deterrent effect, Bank Jambi has imposed sanctions on employees deemed negligent in their supervision," said Agus.

This case has prompted OJK to request that the entire financial services industry implement OJK Regulation (POJK) Number 12 of 2024 concerning Anti-Fraud Strategy, including Bank Jambi.

"There are four pillars that must be done, namely prevention, detection, investigation, and reporting. Then there are penalties, monitoring, and evaluation," Agus concluded.

Bank Jambi Disburses Rp 5.43 Billion

The Bank of Jambi, which is a Regional Development Bank (BPD), has returned losses to customers amounting to Rp 5.43 billion related to a fraud case involving its former employee, Rafina Salsabila.

The total loss caused by this fraud amounted to Rp7.1 billion.

Part of it has been returned to the victims of the seizure of money from the perpetrator's account.

Rafina was still serving as a credit analyst at Bank Pembangunan Daerah (BPD) Jambi branch in Kerinci during the incident.

Equipped with her position as a credit analyst, Rafina launched her criminal actions against several customers.

"The Bank of Jambi has returned all the funds to the customers after the Bank became aware of a fraud incident in October 2024," said Yan Iswara Rosya, Head of the Financial Services Authority (OJK) Jambi representative office, on Thursday (6/5/2025), as quoted from Kompas.com.

Iswara added that the total loss to customers as a result of this case is Rp5.43 billion, which is the responsibility of Bank Jambi.

The remaining loss stems from the proceeds of the suspect's seized accounts, which have also been returned to the account holders.

With the refund, Iswara emphasized, Bank Jambi has demonstrated its commitment to comply with consumer protection regulations.

This case of fraud occurred due to the violation of standard operating procedures (SOP) carried out by bank staff, including tellers and head tellers, who did not follow the bank's internal regulations concerning savings withdrawals.

"Especially third-party savings withdrawals," he added. In addition, there are weaknesses in internal controls and the operational oversight function of the bank.

Policy Improvement Internal

As a preventive measure to ensure similar cases do not recur, Bank Jambi has made improvements to its internal policies and their implementation.

The bank also conducts socialization regarding the implementation of SOPs, including risk management and fraud prevention to all employees.

"Bank Jambi has strengthened internal supervision to ensure that such incidents do not recur," said Iswara.

As a form of deterrent effect, Bank Jambi has imposed sanctions on employees deemed negligent in supervision.

Previously, the OJK emphasized that Bank Jambi is obligated to compensate customers for the money lost due to this fraud case.

In maintaining customer trust, OJK emphasizes the importance of prioritizing the Financial Services Authority Regulation (POJK) Number 22 of 2023 regarding the Protection of Consumers and the Public in the Financial Services Sector.

Arrest of the Perpetrator

This case came to light after Ditreskrimsus Polda Jambi arrested Rafina Salsabila, who breached the banking security system and drained the savings of customers amounting to Rp7.1 billion.

Rafina withdrew money from 27 savings accounts between 2023 and 2024.

In his capacity as a credit analyst at Bank Jambi branch Kerinci, he utilized customer data and trust to carry out fraud.

The case came to light when customers began to feel suspicious as their loan applications did not materialize.

After investigation, it was discovered that the loan funds have been disbursed but were not received by the applicant because they were "diverted" by Rafina.

Following the report, the police conducted an investigation and successfully apprehended the perpetrator.

Attacker Does Not Send Loan Money

A Civil Servant (ASN) with the initials R revealed the modus operandi of the perpetrator of the bank fraud at the Regional Development Bank (BPD) Jambi branch in Kerinci.

The perpetrator, named Rafina, has now been designated as a suspect in the case of fraud involving 27 customer accounts with total losses amounting to Rp7.1 billion.

In an interview with Kompas.com via a phone call on Friday (6/6/2025), R explained that his trust in Rafina emerged because they come from the same village.

"I know him because we are from the same village," he said.

He recounted that he came to the Jambi Bank branch in Kerinci to cash out a loan of 50 million rupiah.

All settlement documents are handled by Rafina. However, R was shocked when seeing the loan amount stated in the documents, Rp96 million.

"I was only initially planning to borrow 50 million rupiah, but what was written was 94 million rupiah or 96 million rupiah, I forget. I asked him about it, and he said it was already processed," said R.

Despite feeling confused, R still signed the disbursement document.

"Rather than go through the trouble of returning the documents, I remain in agreement," he added.

This event occurred on September 20, 2024.

After signing the document, R is asked by Rafina whether they want to receive the money in cash or have it transferred to their account.

"Indeed, after the signature, the money would be released immediately. And he (the suspect) asked, 'should the money be transferred to an account or given in cash?' At that time, I said just transfer it," revealed R.

After that communication, R was waiting for the redemption money to be credited to his account. However, upon arriving home, he did not receive the money.

R began to worry and for almost three weeks has been trying to ask Rafina for certainty regarding the disbursement of her money.

His suspicion increased when his monthly salary was automatically deducted for debt repayment.

"After that, I have an acquaintance at the Bank Jambi here (Kerinci branch), I asked and requested for them to check it," he said.

Based on the inspection results, R found out that the loan money should have been disbursed immediately upon signing the disbursement documents.

Upon hearing this information, R was shocked and realized that they were not the only victim of Rafina's actions.

"So it seems that Bank Jambi has gathered all the victims from the suspect. The bank came directly with their legal representatives from the headquarters, and within 10 working days, our money was returned," he explained.

Other Mode

In other modes, Rafina takes advantage of the customers' trust to perform fund withdrawals.

"At first, there was a customer who trusted and entrusted the perpetrator to make withdrawals," said Deputy Director of Criminal Investigations for Special Crimes (Wadirreskrimsus) of the Jambi Police, AKBP Taufik Nurmandia, during a press conference at the Jambi Police headquarters on Monday, May 2, 2025.

After that, Rafina took advantage of that trust by claiming that another customer had asked her to withdraw funds, even forging signatures to cash out the savings.

During the period from September 2023 to September 2024, Rafina has siphoned funds from 27 customer accounts.

"So, he admitted to the bank teller that he was trusted by the customer to withdraw money. Because based on previous experience, the teller eventually believed him and released the funds," Taufik added.

The case began to unravel when a number of customers complained about the loan application process that never got approved.

After investigation, it turned out that the loan had actually been disbursed, but the money never reached the customer's hands.

After the dispute, we conducted an investigation and

"disclosure," said Taufik.

From each customer's account, Rafina processed funds in varying amounts, ranging from IDR 400 million to IDR 1 billion. The total amount of money belonging to 27 customers that Refina embezzled reached IDR 7.1 billion.

Most of the money was used by Rafina for online gambling.

"So, he admitted that most of the money was used for online gambling," said Taufik.

According to Taufik, in a single game, the perpetrator can deposit or invest up to Rp 70 million.

"So, in terms of the deposit, it can be up to 70 million Rupiah per play," he explained.

Ironically, the examination results showed that the remaining balance in the perpetrator's account was only Rp 80,000.

For the crime he committed, Rafina Salsabila is charged under Article 49 paragraph 1 letter A of Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector, with a maximum penalty of up to 15 years in prison and a fine of up to Rp500 billion.

(Kompas.com/Suwandi, Irfan Maulana, Reni Susanti, Aryo Tondang, Reni Susanti)

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