Fajar Surya

Settlement & Reconciliation Specialist with 3+ years of experience in banking and national payment switching environments. Experienced in high-volume transaction proofing, end-to-end reconciliation, settlement validation, discrepancy resolution, and operational control to ensure data accuracy and SLA compliance. Strong in cross-functional coordination with Payment Operations, IT, and Finance teams.

Custody Support at Bank KB Indonesia (2026-06 – Present)

• Execute client onboarding and account management, including opening, maintenance, and closure of Single Investor Identification (SID) and Sub Rekening Efek (SRE) for individual and institutional clients via C-BEST.
• Prepare and submit daily, weekly, and monthly regulatory reports, including daily AUM reports to KSEI, weekly internal portfolio updates, and monthly compliance reporting to OJK.
• Process custody cash transactions and settlements, executing direct debits from client accounts to intermediate/escrow holding accounts with accurate reconciliation.
• Administer corporate action workflows and asset servicing, including drafting and distributing AGM/EGM (RUPS/RUPLB) meeting invitations and proxy notifications to clients.
• Perform daily portfolio, cash, and securities reconciliation to resolve settlement breaks, discrepancies, and ensure zero error operational integrity
• Collaborate with IT and operations teams to test (UAT), troubleshoot, and automate routine custody workflows, file parsing, and core banking integrations.

Reconciliation Officer at PT Jalin Pembayaran Nusantara (2025-09 – 2025-12)

• Managed system generated reconciliation processes by monitoring and validating results prior to settlement posting.
• Performed daily transaction proofing across issuer and acquirer channels to ensure data integrity and completeness.
• Investigated and resolved reconciliation exceptions and settlement discrepancies through root cause analysis and escalation handling.
• Reviewed and improved reconciliation and settlement SOPs, enhancing workflow efficiency and escalation procedures.
• Developed end-to-end reconciliation and settlement process flows using draw.io.
• Produced reconciliation reports to support settlement posting, internal controls, and audit requirements.
• Managed refund and reversal processes for failed, disputed, and exception transactions.

Staf Rekonsiliasi Payment & Settlement at Bank KB Indonesia (2024-11 – 2025-05)

• Executed daily and monthly reconciliation across internal systems, biller aggregators, and collection agents.
• Validated settlement accuracy prior to posting and financial reporting cycles.
• Processed transaction refunds and discrepancies related to failed payments.
• Handled chargeback cases in accordance with internal policies and banking procedures.
• Managed fee distribution and splitting calculations for branches and external partners.
• Performed monthly VAT (PPN) calculations for payment related products.

Back Office Staff (Transaction Service) at Bank KB Indonesia (2022-01 – 2024-10)

• Investigated unidentified and misposted transactions to ensure accurate account balances and ledger integrity.
• Executed transaction adjustments and corrections within core banking systems.
• Coordinated with branches and internal units to resolve transaction discrepancies.
• Monitored aging items and ensured timely resolution of outstanding transactions.
• Maintained transaction documentation and audit trails in compliance with internal controls.
• Supported tax compliance processes by managing correspondence and preparing responses to tax authorities.
• Collaborated with internal stakeholders to compile data and supporting documents for tax-related matters

Bachelor’s Degree – Universitas Muhammadiyah Prof. Dr. Hamka (2017-09 – 2021-08)