Rico Usthavia Frans

Born in 1970. Completed undergraduate studies in electrical engineering in 1992 at Institute of Technology Bandung. He started his career in the oil industry in 1993 before moving to the banking industry in 1995 by joining the Management Associate program at Citibank and remained at the company until 2010. At Citibank, his career progressed in various leadership roles across different jurisdictions. Following the early years of his work at Citibank, his roles at the bank progressed from e-Business Head (2001-2006) to Country Marketing Manager (2006-2010). In 2010, he joined Bank Mandiri and served in several capacities, including as Group Head Electronic Banking (2010-2013) and SEVP Transaction Banking (2013-March 2016) In March 2016, he was appointed Managing Director of Transaction Banking. He currently holds a position as Information Technology and Operation Director.