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Erni Yati S.M has a Bachelor's degree in Accounting and Business/Management from Universitas Mulawarman. Erni has worked in various roles in the banking industry, starting as an intern at Bank Rakyat Indonesia. Erni then went on to work as a Customer Service Officer at PT Bank Danamon Indonesia, Tbk. before becoming a Personal Financial Advisor at Maybank. Currently, Erni is working at Bankaltimtara as an Officer Credit Recovery and Credit Officer.