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Bintang Yosua Ronibasa, ACMA, CGMA, is a Senior Credit Quality & Insurance Specialist at SeaMoney. With a background in teaching at Universitas Indonesia, and experience in risk management and analytics at EY and PT Bank Mandiri (Persero) Tbk., Bintang has a strong foundation in financial services. Additionally, Bintang has completed a Risk Management Development Program at PricewaterhouseCoopers and served as a Research Intern at the Central Bank of Indonesia. Bintang holds a Gelar Sarjana in Accounting and Finance from the University of Indonesia.