Tedi Nurhikmat has extensive experience in risk management, especially credit risk, operational risk and Enterprise Risk Management. He has been working in banking industries for more than 20 years, in various areas such as branches, internal auditor, consumer loan business development, electronic banking, credit risk, market & operational risk, and ERM. He was manager for ERM System project, Integrated Central Liabilities Project and Basel II Project. Tedi graduated from International University of Japan, University of Washington, Seattle, and attended some Executive Education Program such as Wharton, Michigan Ross School of Business, Insead and IIF.