Ada Kasus Investasi Bodong, BTN Tegaskan Tak Sediakan Deposito Bunga 10% per Bulan

Summary

The 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

00:00

🏦 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.

05:03

📜 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.

Keywords

💡Account Opening

Account opening refers to the process of creating a new bank account for an individual or a business. In the video's context, it is mentioned that the account opening was not done according to procedure, which led to a misuse of the accounts. The script discusses how the accounts were opened by a single individual using collected consumer data, rather than the investors themselves, which is a deviation from the standard procedure.

💡Bank BTN

Bank BTN is likely the name of a financial institution involved in the case discussed in the video. The bank is mentioned as the entity where the accounts were opened and where the irregularities were reported. The video discusses how Bank BTN took the initiative to report the matter to the authorities in February 2023, highlighting the bank's role in addressing the issue.

💡Legal Consultant

A legal consultant is a professional who provides expert advice on legal matters. In the script, the legal consultant explains the chronological sequence of events and the legal implications of the account opening irregularities. Their role is crucial in providing clarity on the legal procedures and the consequences of not following them.

💡Investor

In the video, investors are individuals who were supposed to open accounts at Bank BTN. However, the process was not followed correctly, and the accounts were opened by someone else using the investors' data. The investors are mentioned as the intended account holders who did not receive their account books and ATMs as they should have.

💡Procedure

Procedure refers to a series of steps taken to complete a particular task or process. In the video, the term is used to describe the correct sequence of actions required to open a bank account. The deviation from the proper procedure is highlighted as the root cause of the problem, emphasizing the importance of following established protocols.

💡Know Your Customer (KYC)

Know Your Customer (KYC) is a process used by banks and other financial institutions to verify the identity of their clients. The script mentions KYC in the context of the bank's efforts to ensure that the correct person is opening an account. It is a critical part of preventing fraud and ensuring the integrity of financial transactions.

💡Fraud Detection System

A fraud detection system is a tool used by banks to identify and prevent fraudulent activities. The video suggests that Bank BTN will implement such a system to ensure that the account opening process follows the correct procedures and to prevent future fraud incidents.

💡Investigation

Investigation in the context of the video refers to the process of looking into the irregularities surrounding the account openings. It involves gathering information and evidence to understand what happened and to take appropriate action against those responsible.

💡Judicial Process

The judicial process is the legal procedure that takes place in a court of law. In the script, it is mentioned that two individuals were charged and the case was taken to court, resulting in a judgment. This term is crucial in understanding the legal consequences of the actions described in the video.

💡Principle of Ne bis in idem

Ne bis in idem is a legal principle that prevents someone from being tried twice for the same offense. The script mentions this principle in relation to the reporting of the case to the authorities, suggesting that the legal process should not be repeated for the same issue.

💡ATM

ATM stands for Automated Teller Machine, which is a device that allows customers to perform banking transactions without the need for a human teller. In the video, the lack of ATMs being provided to the investors is highlighted as part of the irregularities in the account opening process.

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