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Ricardo Hendrik J. Munthe has a vast range of experience in the insurance industry, having worked as an Account Executive and Staff Actuary at PT A.J. CENTRAL ASIA RAYA, an Account Manager at PT. Asuransi Intra Asia, and currently serves as a Senior Sales Manager at PT Asuransi Jiwa BCA. Richardo holds a degree in S1 Management Actuary from the Insurance Business School of Trisakti.