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Muhamad Rifqul Umam is a software engineer with significant experience in backend development and risk management systems. Currently employed at Flip since October 2021, Muhamad contributes to the Risk Management Team, focusing on KYC and Fraud Management Systems. Prior to this role, Muhamad worked at Tokopedia as a software engineer on the Accounts and User Platform from September 2019 to October 2021. Earlier experience includes positions at Vioren as a back end developer, where Muhamad engaged in an agile team utilizing SCRUM methodology, and at Altrovis developing an internal web application for a government client. Muhamad holds a Bachelor's degree in Chemical and Bioprocess Engineering from the University of Indonesia, completed in 2015.