Mr Ahmad Fajar is the current President Director of Bank J Trust Indonesia, having been appointed to the position on 30th December 2014. With more than 24 years of experience in the banking sector, Mr Fajar began his career at Bank Bumi Daya before moving to Bank Mandiri to serve as Vice President and Head of the Debt & Capital Market Department. He first joined Mutiara Bank in 2008 as Treasury Director.

Mr Fajar obtained a bachelors degree in Economics from the Bogor Agricultural Institute, before later receiving a masters degree from Padjadjaran University in 2000.

Mr Felix I. Hartadi presently holds the position of Compliance Director of Bank J Trust Indonesia, and was first appointed to this role on 26th February 2014. Mr Hartadi’s wealth of experience in the banking sector dates back to 1986, when he began his career at Wellwood Sejahtera Ekapratama before joining HSBC Indonesia in 2009, also as Compliance Director.

Mr Hartadi received his bachelors degree in Civil Law from Parahyangan Catholic University and completed his postgraduate studies at IPMI International Business School.

Ms Laksmi Mustikaningrat was named a Director of Bank J Trust Indonesia on 4th June 2014, and has worked in the banking sector for nearly thirty years. Ms Mustikaningrat has extensive experience in the fields of retail, consumer, mortgage and micro banking, encompassing numerous high ranking positions such as serving on the Board of Senior Executives for Bank Niaga prior to its transition into CIMB Niaga. She first joined Mutiara Bank in March 2014 upon being appointed as one of the institution’s Executive Vice Presidents.

Ms Mustikaningrat obtained her undergraduate degree in Economics and Accounting from Airlangga University in 1985.

Mr Yoshio Hirako presently holds the position of Director of Bank J Trust Indonesia, following on from the successful completion of a fit and proper test carried out by the Financial Services Authority (OJK). Prior to being appointed to this position on 30th December 2014, Mr Hirako spent the last 19 years in banking and oversaw the establishment of three new banks. His most recent experience includes serving as Representative Director and Vice President of MONEY DESIGN Co. Ltd. as well as COO of ASUKA Holdings Inc.

Mr Hirako pursued his undergraduate studies at the University of Tokyo, where he received a Bachelor of Law in 1994.

Mr Eihito Tamura currently serves as a Director of Bank J Trust Indonesia, following on from the successful completion of a fit and proper test carried out by the Financial Services Authority (OJK). Mr Tamura was appointed to this position on 30th December 2014, having previously worked in the field of marketing consultancy for three years and in the banking and securities industries for more than seven. Before joining Bank J Trust Indonesia, he was the CEO and President Director of Wakatam Inc., and held similar executive positions at Bitcash Inc. and Cecile Co., Ltd.

Mr Tamura graduated from the University of Tokyo’s Faculty of Engineering in 1996.

Mr Nobiru Adachi is the present President Commissioner of Bank J Trust Indonesia. Appointed to this position on 30th December 2014, Mr Adachi began his professional career in Japan’s Ministry of Finance before later becoming an Advisor to the Executive Director representing Japan at the IMF. His most recent experience prior to joining Bank J Trust includes serving as Representative Director as well as Senior Managing Director of J Trust Co., Ltd.

Mr Adachi obtained his undergraduate law degree from the University of Tokyo and studied economics at the masters degree level at Case Western University in the United States.

Mr Sigid Moerkardjono currently holds the position of Vice President Commissioner (Independent) of Bank J Trust Indonesia, having been selected for this role on 21st June 2011. Mr Moerkardjono began his career in the banking sector in 1976 at Bank Niaga, where he spent more than three decades filling multiple senior positions. Prior to joining Bank J Trust Indonesia (formerly Mutiara Bank), he was a member of the Audit Committee and Risk Monitoring Committee for Bank BTPN.

Mr Moerkardjono graduated with a bachelors degree in Economics and Accounting from Gadjah Mada University.

Mr Koh Yung Guan presently serves as an Independent Commissioner of Bank J Trust Indonesia, and was appointed to this position on 30th March 2015. He began his career as a civil servant in 1972, and subsequently went on to work for Singapore’s Ministry of Health, the Ministry of Finance, the Ministry of Education and the Ministry of Defense. Mr Guan also serves as Chairman of SMRT Corporation Ltd, and as Chairman of the Singapore Deposit Insurance Corporation.

Mr Guan graduated with a Bachelor of Applied Science (Honours) in Mechanical Engineering, before going on to receive a masters degree in Mechanical and Biomedical Engineering from the University of Toronto. In 1981, he obtained an MBA (with distinction) from the University of Leuven.

Mr Benny Luhur currently holds the position of Independent Commissioner of Bank J Trust Indonesia, subject to the successful completion of a fit and proper test carried out by the Financial Services Authority (OJK). First appointed to this role on 23rd June 2015, Mr Luhur has a wealth of experience spanning multiple industries, having previously served as President Director of PT Adindo Hutani Lestari and President Commissioner of PT ADEI Crumb Rubber, among other key positions for prominent corporations.

Mr Luhur graduated from the University of California, Berkeley in 1981 with a bachelors degree in Chemical Engineering.

Mr Helmi A. Hidayat serves as Bank J Trust Indonesia’s Executive Vice President, and has held this position since 2012. He began his banking sector career in 1987 with Bank Umum Nasional and prior to joining Mutiara Bank worked for institutions such as the Indonesian Bank Restructuring Agency (BPPN), Bank Dana Asia, Bank Akita and Nobu Bank.

Mr Hidayat received his bachelors degree in 1987 and then completed his postgraduate studies in Business Administration at Krisnadwipayana University in 1993.

Mr Candra Utama is one of Bank J Trust Indonesia’s current Executive Vice Presidents, having first been appointed to the position in 2010. Mr Utama first entered the banking sector with Bank Pembangunan Indonesia (BAPINDO) prior to its merger with Bank Mandiri. Among his most recent positions at the company include Vice President of the Jakarta Commercial Sales Group.

Mr Utama has a bachelors degree in Textile Engineering from the Textile Technology Institute in Bandung, as well as a masters degree in Management from STIE IPWI.

Ms Anni Herlina in 2015 was appointed as one of Bank J Trust Indonesia’s Executive Vice Presidents, having previously worked for Bank Bumi Daya and Bank Mandiri. At Bank Mandiri, Ms Herlina most recently held the position of Vice President of Distribution Networks. In 2013, she joined Estika Yasakelola as a Director.

Ms Herlina received a degree in Economics from Padjadjaran University in 1983.