Internal Fraud Management System

About This Solution

Indonesia's Financial Services Authority (OJK) Regulation No. 12/2024 requires every financial services institution to develop and implement a comprehensive anti-fraud strategy built on four pillars: prevention, detection, investigation-reporting-sanctions, and monitoring-evaluation-follow-up and to report it to the regulator on a semi-annual basis. In practice, many institutions still manage internal fraud in fragmented ways, with financial, procurement, credit, employee behavior, and treasury data monitored separately without cross-referencing, making early detection difficult and slowing down compliance reporting.

The Internal Fraud Management System operationalizes all four pillars in a single workflow, from a rule-based and anomaly-driven fraud detection engine to end-to-end case management with SLA tracking to an encrypted whistleblowing channel for anonymous reporting. With an immutable audit trail and role-based access control, the solution helps financial institutions strengthen governance while simplifying compliance with regulatory anti-fraud reporting obligations.