KEBIJAKAN DAN IMPLEMENTASI STRATEGI ANTI FRAUD: STUDI PADA PT BANK UOB INDONESIA

Abstract

This research aimed to find out the policy and implementation of anti-fraud strategy of PT Bank UOB Indonesia. While, the population was Integrated Fraud Management division. Moreover, the research was qualitative with case study as the approach. Meanwhile, the data analysis technique used Miles and Huberman. Furthermore, the instrument in data collection techniques used participant observation, in-depth interview and documentation. Additionaly, respondents were chosen with certain considerations and objective. In addition, the research result concluded policy and anti-fraud strategy had been implemented according to Circular Letter of Bank Indonesia No.13/28/DPNP, on December 9th 2011 about implementation of anti fraud strategy for Conventional Bank. However, there was lack of its implementation, i.e. lack of employees’ awareness in reporting all fraud indication, very minimum of employee’ rotation, more information on surprise audit which uncovered, also recruitment pattern which was implemented by PT Bank UOB Indonesia did not submit material about the fraud awareness. Therefore, PT Bank UOB Indonesia could implement reward system in which in the form of promotion, for employees in having their willingness to maintain anti-fraud culture. Besides, the management could reconsider the policy of rotating the employees. Then, auditor team either internal or external who worked in branch offices/supporting branch could prepare their accomodation centralized. Also, the management had to reconsider to add material of fraud awareness in new employees’ recruitment pattern.

Keywords: Policy, Implementation of Anti-Fraud Strategy, Integrated Fraud Management Division, Lack of Implementation of Anti-Fraud Strategy, Increase of Implementation of Anti-Fraud Strategy.