JAKARTA - Money worth USD 1,860,000 (IDR 25 billion) has been breached from the bank, only by using an edited transfer form, which is then sent via fax. Money transfers out of the account, without authorization, took place eleven times in a row. Eight of those 11 transfers cannot be withdrawn by the bank from December 2016 to March 2017.
The perpetrator of the crime was Rabiatun Sa Diah (RSD) aka Irawati Kurniawan. She withdraws money from the account of PT. Jerminggo Global International. Evidently, he was ordered by someone to falsify the document of PT. Jerminggo. This stocky middle-aged woman then registered the document with the Ministry of Law and Human Rights, then opened an account at BRI Bank. As a wage, RSD receives 15% of the money withdrawn.
For this action, RSD was prosecuted by the Public Prosecutor with the threat of 10 years imprisonment, a fine of IDR 1 billion subsidiary six months in prison, at the trial in the East Jakarta District Court on April 3, 2017. The judge decided that the defendant was guilty and sentenced to 11 years in prison. This punishment is more severe than the demands of the Public Prosecutor.
Then the RSD appealed to the High Court and received a sentence of 8 years in prison. Still unsatisfied, she then submitted an appeal to the Supreme Court and finally she had to be sentenced to 6 years in prison.
Meanwhile, the transfer of money sent to Bank Mandiri worth USD 500,000 is for the purchase of five apartment units. The purchase was then canceled and the buyer was willing to deduct the funds as a penalty by the developer. The buyer is several Nigerian citizens.
This penalty money worth USD 115,717 was decided by the court to be returned to the victim.
Meanwhile, the apartment buyers were suspected of being led by EAM (25), a Nigerian citizen. EAM is now gone somewhere after the raid on his rented house in the Gading Serpong area, South Tangerang.
Ida Ayu Kartika (IAK), as the recipient of a transfer fee of USD 100,000, was sentenced to a 3.5-year prison sentence by the East Jakarta District Court. A car, an asset owned by IAK, was confiscated by the court and then handed over to the account owner who was the victim.
Likewise, cash worth Rp 200,000,000 was confiscated and returned to the victims. IAK, through its lawyer, also made a letter of commitment, to return the remaining money that had 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 a 4-year prison sentence by the Tangerang District Court. He turns out to be an unofficial wife of EAM (25) and already has a 10-month-old child. There was cash of IDR 180 million which was confiscated from FFH, which was then returned to the victims by the Court.
Police Commissioner Hendrawan, Investigator of the Indonesian Police Criminal Investigation Agency explained this in his office on Thursday (01/24/2019). This was also confirmed by the statement of Herdian Malda Ksatria, the Public Prosecutor, as a fact of the trial, on Friday (08/02/2019).
Furthermore, Malda Ksatria explained, the defendant had been proven to have committed a crime of funds transfer, counterfeiting and money laundering, in accordance with the 2011 law concerning Fund Transfers and / or 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 outgoing letter to DBS will be read. Then a fake confirmation e-mail was sent to DBS.
For information, the DBS Bank in 2016 was named the Safest Bank No. 1 by Moody's Standard & Poor 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.
Moreover, DBS can receive fake e-mail from the hacker without being detected. The hacker also sent e-mail to Elen by pretending to be a DBS Bank, which sent information that the account balance was still in place. 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 the ranking of "World's Best Digital Bank" from the Euromoney Award of Excellent (Straits Times, 16 September 2016). Whose fault is it right, to what extent is the security and protection of customers? Who is responsible for losses due to USD drainage 1.860,000 owned by the victim? Where have the money flowed?
Abroad:
First, December 19, 2017, World Salexpo Co. Ltd., Shanghai Pudong Development Bank China USD 400,000.
Second, December 21, 2016, Hongkong Best Luck Trading Ltd, Hang Seng Bank Limited, USD 400,000.
Third, December 30, 2016, World Salexpo Co. Ltd., Shanghai Pudong Development Bank China USD 40,000.
Fourth, January 9, 2017, SPS Steel International Co Ltd, China Merchants Bank, USD 70,000.
The total is transferred abroad by USD 910,000, or around IDR 12.3 billion.
Against this overseas transfer, the victim reported to the Hong Kong Police through his lawyer in Singapore, but there was no news.
Domestic As follows:
First, November 29, 2016, to Bank BRI, PT. Jerminggo Global International, USD 300,000.
Second, December 15, 2016, to Bank Mandiri, PT. Trika Bumi Pertiwi for USD 500,000.
Third, December 30, 2016, to Bank BCA, PT. Citra Ayu Samudera Biru USD 100,000.
Fourth, March 3, 2017, to Bank Danamon, Falenthyina Febrysia Hadjon, USD 50,000.
Total is transferred into the country of USD 950,000, or around IDR 12.8 billion.
In the fourth transaction to Bank Danamon, it occurred when communication with DBS was intense regarding burglary. 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.
According to Police Commissioner Hendrawan, as investigator of the Indonesian Police, the disclosure of the International Syndicate Network has not yet been completed. There are still other suspects who are still being hunted, namely EAM, a Nigerian citizen, as the main actor.
From the development of the DBS Singapore case, it was revealed that there were receipts of fictitious transactions from foreign banks, which entered the Bank Mandiri account at Serang branch, with money worth around IDR 43 billion.
During the investigation process, four suspects were arrested and had been tried in the Serang District Court of Banten, with sentences of 3 years each.
The proceeds of the crime have been confiscated by investigators with a total value of around IDR 40 billion. The confiscation was carried out 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 trial. ***
