Ada Kasus Investasi Bodong, BTN Tegaskan Tak Sediakan Deposito Bunga 10% per Bulan
Summary
TLDRThe script discusses a case of bank account fraud where a person opened accounts for investors without following proper procedures, using their data to open accounts and transfer funds to their personal account. The bank, BTN, reported the incident in February 2023, leading to legal action against the perpetrator and their spouse. The bank emphasizes the importance of following proper account opening procedures and customer verification, and plans to implement fraud detection systems to prevent such incidents.
Takeaways
- 📝 The issue discussed involves a bank account opening process that did not follow proper procedures.
- 🏦 The bank in question is BTN (Bank Tabungan Negara), where the account opening was not done according to the standard protocol.
- 👤 A single individual collected consumer data and opened accounts on behalf of investors, which is against the rules.
- 💳 The individual who opened the accounts did not hand over the account books and ATM cards to the actual account holders but used them for personal gain.
- 🚨 The modus operandi involved transferring funds to the personal account of the individual who opened the accounts.
- ⚖️ The bank BTN reported this issue to the police in February 2023, and legal proceedings have been initiated against two suspects.
- 👥 The two individuals involved were a husband and wife who were found guilty and sentenced for their actions.
- 🚫 The bank is emphasizing that there is no deposit product with a 10% monthly interest rate, which should be a clear message to the public.
- 🛡 The bank has a 'know your customer' policy that requires customers to be present during account opening or to go through identity verification processes, especially in the digital era.
- 🔍 The bank is conducting an ongoing investigation to ensure that account opening procedures are strictly followed and to implement fraud detection systems to prevent such incidents in the future.
- 💼 The bank is committed to improving its processes and embedding technology to detect fraud based on embedded procedural laziness.
Q & A
What was the issue with the bank account openings mentioned in the transcript?
-The issue was that the account openings did not follow the proper procedure. The accounts were opened by a single person using collected customer data without the customers' presence, and the account books and ATMs were not handed over to the actual investors.
What is the standard procedure for opening a bank account according to the transcript?
-The standard procedure requires the investor to appear in person before the bank employees, sign the account book, receive the account book and ATM card.
What did the person who opened the accounts do with them after they were opened?
-The person opened the accounts and held onto the ATMs, transferring all the funds into their own personal account for personal gain.
What action did Bank BTN take regarding the irregular account openings?
-Bank BTN initiated a report in February 2023 to the police (Polda) about the issue, and legal processes have been underway, resulting in two individuals being identified as suspects.
What was the outcome of the legal process mentioned in the transcript?
-The legal process resulted in a conviction for the two individuals involved, who were identified as a husband and wife, and they were found guilty.
What principle of law was mentioned in relation to the case?
-The principle mentioned was 'ne bis in idem', which means not being tried twice for the same case.
What is the bank's stance on high-interest savings or deposit products as mentioned in the transcript?
-The bank emphasized that there are no savings or deposit products that offer a 10% monthly interest rate, which should be understood and communicated to the public as part of financial education.
What is 'Know Your Customer' (KYC) in the context of the transcript?
-KYC refers to the process where customers are required to present themselves during the account opening process, either in person or through digital verification methods such as online photo submission of identity documents and video calls for verification.
What measures is the bank taking to prevent future fraud according to the transcript?
-The bank is ensuring that account opening procedures are strictly followed and is embedding technology such as fraud detection systems into their processes to identify and prevent fraudulent activities.
How did the customers receive their accounts as described in the transcript?
-The accounts were opened by the convicted individual who requested money to be sent to these accounts. The customers submitted their data for account opening, but the individual did not provide the account books and ATMs that should have been given to the customers.
What is the bank's advice to customers regarding account openings as per the transcript?
-The bank advises customers to understand that they have the right to receive their account books and ATMs and to ensure that they follow the proper procedures during account openings.
Outlines
🏦 Bank Account Fraud Issue
The first paragraph discusses a case of bank account fraud where a person opened multiple accounts on behalf of investors without following proper procedures. The accounts were opened without the investors' presence, and the account books and ATMs were not handed over to the rightful owners. Instead, the person misused the accounts for personal gain by transferring funds to their own account. The bank, BTN, reported this to the police in February 2023, leading to legal action against the two suspects, a husband and wife, who were found guilty. The bank emphasizes the importance of following proper account opening procedures and is implementing technology to prevent such fraud in the future, including a fraud detection system.
📜 Rights of Bank Account Holders
The second paragraph is a brief statement about the rights of bank account holders, implying that they should receive their account books and ATMs upon opening an account. It suggests that the previous paragraph's scenario, where the account holder did not receive these items, is a violation of their rights.
Mindmap
Keywords
💡Account Opening
💡Bank BTN
💡Legal Consultant
💡Investor
💡Procedure
💡Know Your Customer (KYC)
💡Fraud Detection System
💡Investigation
💡Judicial Process
💡Principle of Ne bis in idem
💡ATM
Highlights
Mistakes in account opening procedures were identified.
Accounts were opened without following standard procedures.
Investors were required to be present in person to open accounts but this was overlooked.
The bank, BTN, took the initiative to report the issue to the police in February 2023.
Two individuals were identified as suspects in the case.
The case has been taken to court and a verdict has been reached.
The verdict found the couple guilty of the charges against them.
The legal principle of 'ne bis in idem' was mentioned, meaning not to be tried twice for the same case.
There are no savings or deposit products with a 10% monthly interest rate.
Know Your Customer (KYC) procedures are mandatory for account opening.
Investigations are ongoing to ensure proper account opening procedures are followed.
The bank plans to implement fraud detection systems to prevent similar incidents.
Customers must submit their data in person or through secure digital methods for KYC.
The bank will ensure that all future account openings comply with procedures.
The bank is embedding technology to detect fraud based on procedural lapses.
A customer's account was opened by a convicted individual who then misused the account.
The convicted individual did not provide the customer with their ATM card and other necessary documents.
Transcripts
terima kasih eh tadi saya koreksi
sedikit bahwa tadi tidak dikumpulkan
dalam satu rekening tapi itu ada
beberapa rekening namun pembukaannya
tidak sesuai dengan prosedur mungkin
dari konsultan hukum Kami akan
menjelaskan kronologisnya Seperti apa
ya terima kasih pimpinan Terima kasih
Pak Terima kasih rekan-rekan media saya
meluruskan ini terkait dengan pembukaan
rekening Itu ditransfer ke dalam
rekening investor masing-masing di Bank
BTN hanya saja pembukaan rekening itu
tidak sesuai dengan prosedur di mana
ketentuan yang berlaku pada umumnya si
investor itu harus datang di hadapan
pegawai Bank BTN lalu
menandatangani buku rekening lalu
menerima buku rekening dan ATM berikut
akm-nya tapi yang terjadi adalah semua
data konsumen semua data nasaba ini
terkumpul kepada satu orang ya lalu satu
orang
ini yang membuka rekening membawa
data-data ini membuka rekening Lalu
setelah buku rekening ini
diterbitkan buku rekening ini tidak
diserahkan kepada investor kepada
nasabah tapi dia manfaatkan sendiri dia
buka rekening dia pegang ATM lalu semua
dana ini ditransfer ke rekening
pribadinya sendiri itu modudusnya
rekan-rekan media inilah yang menjadi
persoalan yang dianggap oleh bank BTN
sebagai sat modus lalu Bank BTN sendiri
yang sebenarnya berinisiatif pada
Februari 2023 mengajukan laporan ini ke
Polda dan atas persoalan itu
eh proses hukumnya juga sudah berjalan
dan mendudukkan dua orang sebagai
tersangka dan kemudian proses itu juga
sudah ditindak lanjuti ke pengadilan dan
sudah juga mendapat putusan yaitu ya Eh
putusannya adalah menghukum kedua orang
tadi yang notab adalah suami istri
menjatuhkan putusan yang menyatakan
mereka bersalah itu nah lalu terkait
sekarang di e bank BTN dilaporkan
kembali dilaporkan kembali ini pemahaman
hukumnya Sebenarnya ini adalah e sama
dengan laporan yang terdahulu sehingga
dari kacamata hukum ini
adalah melanggar prinsip nebis in idem
namanya ya tidak dua kali perkara yang
sama diperiksa kira-kira begitu rekan
media
kalau berar kalau dari Bi supaya supaya
tidak terjadi hal yang serupa Seperti
apa pak yang bisa dilakukan Baik Pak Eh
gini yang namanya
eh satu yang saya harus garis bawahi
seperti yang pak ketua sampaikan bahwa
tidak ada produk tabungan ataupun produk
Dep simpanan yang bunganya 10% per bulan
itu pertama kali yang harus kita pahami
sama-sama untuk dijadikan edukasi kepada
masyarakat yang kedua adalah ee kami
menghormati dan kami sudah memiliki
proses bahwa ada yang namanya know your
customer tadi seperti disampaikan oleh
konsultan hukum itu bahwa nasabah itu
Wajib hadir pada saat pembukaan cabang
atau di era digital seperti sekarang
nasabah itu wajib melakukan proses know
your customer melalui satu kalau kita
sering buka rekening online foto dan KTP
yang kita foto kemudian foto bersama KTP
atau di bank-bank tertentu itu dilakukan
yang namanya eh online kyc yang
ditelepon oleh eh customer service-nya
video call dan memastikan bahwa ini
betul adalah nasabah yang
kedua ke depannya kami akan tentunya
investigasi ini masih terus berlangsung
ke depannya kami akan memastikan bahwa
prosedur pembukaan rekening khususnya
itu wajib dilakukan sesuai prosedur dan
tentunya teknologi teknologi ke depannya
akan kami eh embed untuk memastikan eh
adanya frud eh frud detection System
yang nantinya tentu akan memudahkan bank
juga untuk mengeti mengetahui ketika
adanya FR yang akan terjadi eh
berdasarkan eh kelaziman prosedur yang
sudah kita embed ke dalam sistem
tersebut demikian yang bisa saya
sampaikan terima kasih eh untuk
nasabah-nasabah
ituapat bagaimana caranya pak ya
sedangkan itu kan Eng enggak dibagi ya
Pak cara nasabah itu mendapatkan
rekening Seperti apa ya Pak jadi gini
kalau saya lihat ceritanya tadi itu kan
dibukakan oleh oknum yang sudah dihukum
jadi oknumnya meminta uang itu
dikirimkan ke rekeningnya tersebut ya
kan data-datanya disubmit tuh dibukakan
rekeningnya nah kemudian oknum itu
mengirimkan uang eh sori ee yang mengaku
nasabah mengirimkan uang ke rekening
tersebut Namun oknum ini tidak
memberikan ee Buku ATM dan lain-lain
yang seharusnya Itu diminta oleh nasabah
itu adalah haknya nasabah seperti itu
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