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Zulfy Ramadhony has extensive experience in risk management and strategy development, currently serving as the Risk Strategy Manager at DANA Indonesia since November 2017. In this role, Zulfy manages Risk Strategy Teams, oversees the Risk Engine, and ensures that optimal risk strategies are implemented to support business operations and prevent transaction fraud. Prior positions include Risk Strategy Senior Specialist and Risk Management Specialist, with expertise in analyzing risk patterns, investigating fraud, and providing strategic recommendations. Zulfy began a career in fraud prevention and refund processing with companies such as PT Kudo Teknologi Indonesia, Nusatrip, and Lazada Group, and holds a diploma in Graphic and Printing Equipment Operator from Politeknik Negeri Jakarta.