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Mohamad Ridwan is a seasoned professional with extensive experience in reconciliation and operations management across various financial institutions. Currently serving as the Operation Settlement Manager at PT Alto Network since December 2022, Mohamad previously held the position of Reconciliation Manager at GoPay Indonesia. Mohamad's career includes notable roles such as Manager of Business Process Improvement and Merchant Support at SPOTS, and Transaction Service Reconciliation Specialist at PT Bank Tabungan Pensiunan Nasional Tbk. At ANZ, Mohamad excelled as the Team Lead for Support and Reporting in Trade Finance, implementing significant automation tools and processes that enhanced operational efficiency. Additionally, Mohamad has developed compliance tools during their tenure at DBS Bank and contributed to financial operations at PT ATM and PT. Bank Bukopin Tbk. Mohamad holds a degree from the Polytechnic University of Indonesia, which Mohamad attended from 2002 to 2005.