Eleven interbank fund transfers, carried out through fraud and without the knowledge of the source account holders, were recorded in the period December 2016 - March 2017. In eight of the 11 cases, bank transfers were irrevocable, meaning funds totaling USD 1,860,000 or around IDR 15 billion evaporated.
Robiatun Saadiyah (RSD) aka Irawati Kurniawan, who withdraws money from the account of PT. Jerminggo Global International, it was proven ordered by someone to falsify the document of PT. Jerminggo. The obese middle-aged woman then registered the document with the Ministry of Law and Human Rights, then opened an account at BRI bank.
As a fee, Robiatun receives 15% of the money he withdraws.
For this action RSD was prosecuted by the Public Prosecutor with a sentence of 10 years imprisonment, a fine of IDR 1 billion subsidiary 6 (six) months at the trial in the East Jakarta District Court on April 3, 2017.
The judge decided that the defendant was guilty and was given 11 years in prison, higher than the demands of the Public Prosecutor. Then Robiatun filed an appeal to the High Court and obtained a waiver of 8 years; still unsatisfied and then went back to Kasasi to the Supreme Court, and finally he was sentenced to 6 years in prison.
Meanwhile, transfers sent to Bank Mandiri worth USD 500,000 are for the purchase of five apartment units. The plan for this purchase was later canceled and potential buyers were willing to cut their funds as a penalty penalty by the developer. Prospective buyers are some Nigerian citizens.
This penalty money worth USD 115,717 was decided by the court to be returned to the victim. Meanwhile, prospective apartment buyers are suspected of being led by EAM (25 years), a Nigerian citizen. EAM is now running away after a raid on his rented house in the Gading Serpong area, South Tangerang.
Ida Ayu Kartika (IAK) as the recipient of the transfer of USD 100,000 was given 3.5 years by the East Jakarta District Court. A sedan owned by IAK was confiscated by the court and then handed over to the account owner who was the victim. Likewise IDR 200,000,000 cash was confiscated and returned to the victim. IAK, through its lawyer, has also made a commitment letter to return the remaining money that has been used, after other assets in the form of land were sold.
It was different from Bernadeta Febrisia Hadjon (BFH) aka Fallenthyna Febrisia Hadjon (FFH), who was sentenced to 4 years in prison by the Tangerang District Court. FHH turns out to be an unofficial wife of EAM and already has a 10-month-old child. There was IDR 180 million in cash confiscated from FFH and then returned to the victims by the Court.
Police Commissioner Hendrawan, Investigator of the Indonesian Police Criminal Investigation Agency (Bareskrim Polri), explained the matter to reporters in his office on Thursday, January 24, 2019.
This was also confirmed by Herdian Malda Ksatria, the Public Prosecutor, as a fact of the trial. Malda Kesatria was met by reporters at the Tangerang District Court on Friday, February 8, 2019.
Furthermore Malda Ksatria explained, the defendant had been proven to have committed a criminal act of fund transfer, a criminal act of counterfeiting and a crime of money laundering in accordance with Article 85 of Law Number 3 of 2011 concerning Fund Transfers and or article 263 (2) Criminal Code and Article 3 and or Article 5 and or 10 of Law Number 8 of 2010 concerning Prevention and Eradication of Money Laundering Crimes.
The method used by the burglar is actually very simple, namely hacking Elen's Yahoo account, so that every letter out to DBS can be read. Then a fake confirmation e-mail was sent to DBS.
For information, the DBS bank in 2016 received the title of Safest Bank No.1 by Moody's Standard & Poor's among the 500 banks in the world. It turns out that this predicate does not guarantee that there are systems and procedures that are safe enough so that these fake transactions can escape without being detected.
More than that, DBS can receive fake e-mail from the hacker without being detected. The hacker also sent an e-mail to Elen by pretending to be a DBS bank, which sent info that the account balance was still fixed. This caused Elen not to suspect at all that there had been a drain on funds in the three accounts belonging to his boss.
In 2016, Bank DBS Singapore also received a "World’s Best Digital Bank" rating from the Euromoney Award of Excellent (Straits Times, 16 September 2016). Who is wrong and who is right? Where is the level of security and protection of customers? Who is responsible for losses due to drainage of the USD 1,860,000 owned by the victim?
WHERE ARE THE MONEY FLOWING?
To an overseas bank:
- USD 400,000 to World Salexpo Co Ltd. Shanghai Pudong Development Bank of China on December 19, 2016.
- USD 400,000 to Hong Kong Best Luck Trading Ltd. Bank Hang Seng Bank Limited on December 21, 2016.
- USD 40,000 to World Salexpo Co. Ltd. Shanghai Pudong Development Bank China on December 30, 2016.
- USD 70,000 to SPS Steel International Co. Ltd. China Merchants Bank on January 9, 2017.
The total is transferred overseas by USD 910,000, or around IDR 12.3 billion.
Regarding transfers abroad, the victim reported to the Hong Kong police through his lawyer in Singapore. But there is no further news.
To local bank:
- USD 300,000 to Bank BRI, PT. Jerminggo Global International on November 29, 2016.
- USD 500,000 to Bank Mandiri, PT. Trika Bumi Pertiwi on December 15, 2016.
- USD 100,000 to Bank BCA, PT. Citra Ayu Samudera Biru on December 30, 2016.
- USD 50,000 to Bank Danamon, Falenthyina Febrysia Hadjon on March 3, 2017.
Total is transferred into the country of USD 950,000, or around Rp. 12,8 billion.
The fourth transaction (to the bank Danamon) as mentioned above occurs when communication with the DBS bank is intense regarding bank fraud. While at that time, the owner of the account (the victim) was in his office in Jakarta and there was no telephone confirmation request from the DBS bank.
Police Commissioner Hendrawan said that the disclosure of the international syndicate network had not been completed. There are still other suspects being hunted for arrest, namely EAM (25), a Nigerian national, as the main perpetrator who is still at large.
From this investigation into the DBS Singapore case, it was revealed that there were receipts of fictitious transactions from foreign banks that entered the Serang Bank Mandiri branch with IDR 43 billion in cash. During the investigation process four suspects were arrested.
They have gone on trial at the Serang Banten District Court with sentences of 3 (three) years each. The proceeds of the crime were confiscated by investigators with a total value of around IDR 40 billion.
The court's decision stated that the funds were seized for the state on the grounds that until the completion of the trial the owner of the funds abroad, who was the victim, could not be presented at the hearing. (Monty).