Kartika Kartika Email & Phone Number

Indonesia

Expanding my role at Traveloka, I'm leading Fraud Operations Management across the entire Traveloka group in Southeast Asia. My scope includes overseeing fraud prevention across all payment methods and Traveloka products, such as Flights, Hotels, Gift Vouchers, Credit Cards, and Financial Services, while addressing challenges like coupon abuse and scams, all with the goal of keeping fraud rates within targeted thresholdsThis expanded role involves planning fraud awareness initiatives in partnership with cross-functional teams and managing regulatory interactions with Bank Indonesia (BI) and the Financial Services Authority (OJK). My goal is to continuously strengthen fraud defenses, delivering a secure, reliable experience for our users across the region.

Managing and overseeing Fraud Risk and Investigation for Financial Services Products. I had the incredible opportunity to build the Fraud Operations team at Traveloka Paylater from the ground up, starting as the only team member. Over the years, I've developed tools, streamlined processes, and enhanced fraud detection rules to create a safer and more secure environment for our users. My responsibilities include handling customer complaints related to fraud, collaborating with authorities such as the police and regulators like OJK, and working closely with the Marketing and Brand teams to protect Traveloka Paylater from fraudulent activities and scammers. I also continuously conduct fraud awareness education for internal employees and Traveloka Paylater users

Indonesia

- Manage and Monitoring Fraud and Risk on each subsidiary (Mapemall.com, MAPCLUB, GPay, etc)- Monitoring loyalty point of Mapclub and coordination and report any finding with related SBU of MAP for further investigation- As PIC of Gpay BI Audit- Assess for Gpay operational process

- To be Responsible for the effective performance of Customer Service Team, Transaction Management Team, Listing Team, Import Buying Team, and Fraud, Trust & Safety Team- Support the overall process of management and corporate decision making to ensure company able to achieve its goals- Develop, review and report to management for end to end process of operational

Greater Jakarta Area, Indonesia

- Review and monitoring daily transactions, monitoring end to end process on Blanja.com to minimize the risk and keep in line with the Business target- Assess and review each promotion doing by Marketing Team to prevent Fraud and promo abuse- Negotiation and decision maker of complain handling related with Fraud issue- Monitoring suspicious activity on buyer and seller- Together with PR and Legal as first defences for any report and or complain on media, Police report, YLKI, Kemendag, Kominfo, etc- Creating Risk Profile of Blanja.com- Monitoring listing product from prohibited product and update for ecommerce regulation to be implemented on Blanja.com

- Monitoring all advertisement which aired- Analyze suspected fraud on advertisement which conducted by seller- Mitigate fraud attempt on advertisement- Analyze fraud trend and shared with ads analyst to prevent fraud ads- Investigation on Fraud Ads- Create parameter of suspected Fraud Ads- Define new method of Finding Fraud

- Creating and designing policy and parameters to mitigate Fraud on all sides where there is the possibility of fraud- Creating and developing POS opening policy- Create and manage document verification for POS and application form- Monitoring end to end process flow of application- Part of Disciplinary Committee and Complain Committee

Jakarta, Indonesia

- Analyze fraud indication for credit card account application- Analyze for bad debtors on credit card holder- Investigate case of negative indication on credit card account- Operating Instinct & Cardpack System- Updating BI black list

Jakarta, Indonesia

- Analyze fraud indication for credit card account application- Analyze for bad debtors on credit card holder- Investigate case of negative indication on credit card account - Reporting to Regional Office (Hongkong)

Jakarta, Indonesia

Euro RSCG Worldwide is the world’s largest advertising and marketing services agency, four years in a row according to the 2009 Advertising Age publishing. Focus on sales & marketing support for PT. Nestle Indonesia in Jakarta