Aribawa Akmal Bagaskara Get in touch
RISK & CONTROL

I'M
AKMAL

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Hello, I'm Aribawa Akmal Bagaskara — a Risk & Compliance Officer in banking, and the founder of webmal.studio.

Aribawa Akmal Bagaskara
Find me
in WA

I audit controls, find the gaps, and write remediation that actually gets closed.

RISK &
COMPLIANCE
OFFICER
Currently
Risk and Compliance
PT Bank Central Asia Tbk.
Also
Founder & Developer
webmal.studio
Based in
Blitar, Jawa Timur
About me

Auditing with rigour, building with curiosity

Results-driven Risk & Compliance Officer with nearly 2 years of banking experience specializing in operational, credit, and regulatory compliance audits. Skilled at evaluating internal controls, identifying control gaps, and delivering actionable remediation plans that strengthen governance and reduce operational risk.

Strong analytical background (B.Sc. Actuarial Science) and proficient in Excel, SQL, Python, Tableau, and Power BI. Also builds and runs webmal.studio, a web design and application development practice serving Indonesian SMEs, combining technical development skills (React, TypeScript, Tauri) with client-facing project management.

2
Years in banking audit
3.59
GPA, B.Sc. Actuary
6
Data & dev toolchains
3
Certifications
What I do

Four ways I keep the bank inside its lines

Audit work across branch operations, credit files, and regulatory obligations — plus the analytics that make findings hold up.

01
Operational Audit

Identify operational, financial, and compliance risks through detailed analysis of branch activities and business processes.

02
Credit Audit

Review loan documentation, credit approval, collateral administration, and borrower compliance with lending policies.

At PT Bank Central Asia
At the office desk
03
Governance & Controls

Evaluate the effectiveness of internal controls and recommend process improvements that strengthen governance and compliance.

04
Data & Analytics

Turn audit data into evidence with Excel, SQL, Python, Tableau, and Power BI so findings and root causes are defensible.

Experience

Exploring my growth in risk and technology

Every role has added a layer — controls, credit, data, and now building software of my own.

2024–Present
Risk and Compliance
  • Conduct operational, credit, and compliance audits to evaluate adherence to banking regulations, internal policies, and risk management frameworks.
  • Assess credit quality and identify potential credit risks, control deficiencies, and policy violations, providing recommendations for corrective actions.
  • Analyze audit findings, investigate root causes, and develop practical recommendations to mitigate identified risks.
  • Monitor the implementation of corrective action plans and ensure timely resolution of audit findings.
  • Prepare comprehensive audit reports and present key findings and recommendations to management.
  • Collaborate with cross-functional teams to enhance governance, risk management, and compliance practices across business units.
PT Bank Central Asia Tbk.
2026–Present
Founder & Developer
  • Design and develop websites and applications for Indonesian SMEs (UMKM), managing projects end-to-end from client intake to deployment.
  • Build responsive, modern websites and simple business applications using HTML, CSS, JavaScript, and React; develop a desktop application using Tauri, React, and TypeScript.
  • Manage client onboarding and intake through Jotform-based questionnaires, and handle domain, hosting, and deployment setup for client sites.
  • Use Claude Code as an AI-assisted development workflow to accelerate MVP scaffolding, curriculum/content design, and application logic.
  • Create UI/UX designs and promotional materials (Instagram content, brand assets) tailored to a modern minimalist aesthetic for SME clients.
webmal.studio
2023
Data Management, Internship
  • Gathered Sensus Pertanian data and ensured it was accurately entered into databases or systems.
  • Identified and corrected errors, inconsistencies, and missing values in the data to maintain quality and integrity.
  • Assisted with data visualization for the “Desa Cantik” program using Google Data Studio.
Badan Pusat Statistik
2020–2024
Bachelor of Actuary
GPA 3.59 / 4.00
Brawijaya University
Risk and compliance audit team at PT Bank Central Asia
Bank Central Asia Tbk.

Controls hold when teams own them

Audit findings only turn into change when branches, business units, and management work the remediation together.

Studio

Bringing ideas to life through webmal.studio

A web design and application development practice for Indonesian SMEs — intake and UI/UX through build, deployment, and hosting.

webmal.studio website
webmal.studio
Website
2026
Fitness Mission learning application
Fitness Mission
Learning app
2026
Intake

Client onboarding through Jotform questionnaires, with clear scope and pricing packages.

Design

UI/UX and promotional assets — Instagram content and brand material in a modern minimalist style.

Deploy

Domain and hosting management, deployment setup, and e-commerce or WhatsApp-based checkout.

Visit webmal.studio →
Skills

The toolkit behind the work

Data & Analytics
Excel SQL Python Tableau Power BI
Web Development
HTML CSS JavaScript React
Application Development
Tauri TypeScript Desktop apps
AI-Assisted Development
Claude Code Prompt engineering MVP scaffolding
Design & UX
UI/UX fundamentals Claude Design Brand assets
Client Tools & Deployment
Jotform Domain & hosting WhatsApp checkout
Sep 2024 · Udemy
The Complete SQL Bootcamp: From Zero to Hero
Sep 2024 · Udemy
Tableau 2024 A-Z: Hands-On Tableau Training for Data Science
Jul 2024 · MySkill
Data Analysis: Fullstack Intensive Bootcamp

Let's build something genuinely useful

Open to risk, compliance, and audit roles — and to SMEs who need a website that actually works for them.

Get in touch →
Email aakmalbagaskara@gmail.com
WhatsApp 0822 5610 4415
LinkedIn aribawa-akmal-bagaskara
Studio webmal.studio