Full Opening

Handbook
Mobile and Internet Banking Operation Department
Electronic Channel Operations Group



Kata Pengantar

Bank Mandiri telah menetapkan visi
menjadi The Best in ASEAN 2020. Dalam rangka
mewujudkan visi tersebut, Bank Mandiri telah
menetapkan 3 Strategi Utama 2015-2020 yaitu
Memperdalam Relationship dengan nasabah,
Integrasi Mandiri Group dan Akselerasi Bisnis
di Segmen Utama. Layanan yang diberikan oleh
Mobile & Internet Banking Operation (MIO)
Department seperti MGT, MCM, MIB, IB, MOBIT,
SMS Banking, eCash, SCM, MARS, eTax, eRTE, UBP
Payment, BPJS, SPAN, Notional Pooling, Cash
Pooling, Corporate Cash Card, Cash Pick Up, Cash
Delivery, DHE RTE, MT101 sangat terkait erat
dengan 3 Strategi Utama Bank Mandiri tersebut.
Oleh karena itu, kualitas layanan yang unggul dari
MIO Department akan sangat mendukung
keberhasilan pencapaianVisi Bank Mandiri 2020.

Saya sangat menyambut baik inisiatif MIO
Department untuk membuat MIO Handbook
yang berisi Ringkasan Pekerjaan, Penjelasan
Produk yang disupport, Penjelasan Layanan dan
SLA yang diberikan MIO Department. Dengan
adanya single source of knowledge yang lengkap
dan komprehensif, akan memudahkan seluruh
SDM di MIO Department untuk memahami fungsi,
cakupan pekerjaan dan SLA yang harus dicapai.
Dengan demikian, saya harapkan MIO
Department dapat memberikan layanan yang
benar-benar unggul secara berkesinambungan
sebagaimana Tagline Program Budaya ECO tahun
2015 yaitu BISA : Best In Execution, Innovative,
Service Excellence & Alliance.

Wawandrijo Priwardono
Group Head ECO

i



Kata Pengantar

Sebagaimana kita ketahui bersama
bahwa transaction melalui ebanking Bank
Mandiri terus meningkat dan di tahun 2014
sudah mencapai 92% dari total transaksi di
Bank Mandiri. Mobile & Internet Banking
Operation (MIO) Department memiliki
peran yang strategis karena product-
product yang dilayani seperti MGT, MCM,
MIB, IB, MOBIT, SMS Banking, eCash, SCM,
MARS, eTax, eRTE, UBP Payment, BPJS, SPAN,
Notional Pooling, Cash Pooling, Corporate
Cash Card, DHE RTE dan MT101 adalah
merupakan layanan ebanking yang
digunakan oleh seluruh segment nasabah
baik Retail, Micro, SME, Commercial
maupun Corporate. Produk-produk
tersebut juga sangat berkaitan erat dengan
3 Strategi Utama 2015-2020 yaitu
Memperdalam Relationship dengan
nasabah, Integrasi Mandiri Group dan
Akselerasi Bisnis di Segmen Utama yang
bertujuan memujudkan visi Bank Mandiri
menjadiThe Best Bank in ASEAN 2020.

Agar MIO Department dapat sukses
memberikan layanan yang unggul secara
berkesinambungan, maka dibutuhkan SDM
yang memiliki knowledge dan skill yang
sangat baik terhadap product dan layanan
yang diberikan. Pembuatan MIO Handbook
ini adalah salah satu inisiatif untuk
memudahkan karyawan memiliki satu
referensi yang lengkap mengenai seluruh
product, layanan beserta SLA yang
diberikan MIO Department. Dengan
kemudahan tersebut, diharapkan pegawai
MIO Department memiliki knowledge dan
skill yang unggul dan terus mengikuti
perkembangan product dan bisnisnya Bank
Mandiri, sehingga layanan Mobile &
Internet Banking Bank Mandiri dapat
menjadi yang terbaik di ASEAN.

Edison Situmorang
Department Head MIO

ii



Mobile
& Internet Banking
Operation Department



Summary Product

Struktur Organisasi

Struktur Organisasi Seksi Mobile Implementation
Struktur Organisasi Seksi Internet Implementation
Struktur Organisasi Seksi Cash Management Implementation
Struktur Organisasi Seksi Priority Client Support
Struktur Organisasi Seksi Reporting &Transaction Support

Layanan Produk

Layanan Produk Seksi Mobile Implementation
Mobile Banking

Layanan Produk Seksi Internet Implementation
1. Mandiri cash management
2. Mandiri internet bisnis
3. Mandiri supplay chain
4. Internet banking
5. E-Tax
6. Mandiri easy RTE
7. Mandiri advance remittance system (MARS)
8. Mandiri le transfer

Layanan Produk Seksi Cash Management Implementation
1. Notional pooling
2. Mandiri cash concentration (Batch Sweep/Online Mass Sweep)
3. Mandiri auto debit
4. Mandiri corporate collection (UBP)

Layanan Produk Seksi Priority Client Support
1. Monitoring petty cash card perusahaan listrik negara (PLN)
2. Monitoring tolakan Kliring PT Surya Madistrindo (Gudang Garam Group)
3. Monitoring cash pick up dan cash delivery
4. Layanan giro dan warkat khusus
5. Pembayaran pajak impor barang (PIB) menggunakan sarana perintah

pembayaran lainnya
6. Pembukaan rekening TabKaPel dan penerbitan kartu debit CoBrand – HM

Sampoerna
7. Utility payment
8. Informasi retur transaksi MCM
9. Pelaporan devisa hasil expor (DHE) dan rincian transaksi ekspor (RTE)
10. Informasi incoming dan outgoing telegraphic transfer (TT)
11. Update Informasi progress bank garansi PT HM Sampoerna

iii

Summary Product

12. Identi kasi transaksi setoran
13. Pelaporan pajak
14. Informasi incoming dan outgoing real time gross Settlement (RTGS)
15. Mandiri cash management (MCM) PT Mayora melalui proses single mix

upload MT 101
16. Pelaporan pajak pertamina
17. Permintaan rekening koran (archive)
18. Monitoring daftar hitam bank indonesia untuk PT POS
19. Transaksi manual PT Sumber AlfariaTrijaya
20. Mandiri virtual account
21. Invoicing cash pick up & cash delivery (CPU-CD)
22. Invoicing MT 101
Layanan Produk Seksi Reporting &Transaction Support

Layanan Pekerjaan

Layanan Pekerjaan Seksi Mobile Implementation
1. Setting paramater sms banking
2. Update user id mobile banking pada sistem web cso
3. Setting parameter e-cash
4. Setting parameter rupi

Layanan Pekerjaan Seksi Internet Implementation
1. Setting parameter mandiri cash management
2. Setting parameter mandiri internet bisnis
3. Setting parameter mandiri supply chain
4. Setting parameter internet banking
5. Setting parameter E-Tax
6. Setting parameter E-RTE
7. Setting parameter MARS
8. Setting parameter MFT

Layanan Pekerjaan Seksi Cash Management Implementation
1. Pembentukan rekening giro bersaldo debit
2. Setting limit over draft
3. Perpanjangan rekening giro bersaldo debit
4. Setting budget account
5. Perhitungan bunga notional pooling
6. Pembuatan user id portal BPJS kesehatan
7. Proses data tagihan auto debit iuran BPJS kesehatan
8. Setting UBP biller baru
9. Maintenance biller UBP

10. Proses data upload data biller UBP

iv

Summary Product

11. Laporan transaksi via channel
12. Pendaftaran dan maintenance MT940
13. Memeriksa kelengkapan surat kuasa MAD
14. Setting rekening MAD
Layanan Pekerjaan Seksi Priority Client Support

1. Response time email nasabah
2. Menindaklanjuti dan melakukan penerusan permintaan dan atau Keluhan

nasabah
3. Pembayaran
4. Penagihan
5. Reporting
Layanan Pekerjaan Seksi Reporting &Transaction Support

Service Level Agreement (SLA)

SLA Seksi Mobile Implementation
SLA Seksi Internet Implementation
SLA Seksi Cash Management Implementation
SLA Seksi Priority Client Support
SLA Seksi Reporting &Transaction Support

PetunjukTeknik Operasional (PTO)

PTO Seksi Mobile Implementation
1. PTO parameter sms banking
2. PTO penghapusan nomor sms banking
3. PTO proses perubahan limit sms banking
4. PTO update user id mobile banking pada sistem webcso
5. PTO proses laporan wording sms banking
6. PTO proses pendaftaran merchant mATM

PTO Seksi Internet Implementation
1. PTO proses pendaftaran user sysadmin E-RTE
2. PTO reset password sysadmin nasabah
3. PTO perubahan jenis koneksi
4. PTO penambahan/perubahan kode biller
5. PTO penambahan/perubahan costum report
6. PTO perubahan pro l nasabah
7. PTO Implementasi mandiri le transfer
8. PTO proses pendaftaran user sysadmin E-Tax
9. PTO proses perubahan data sysadmin E-Tax

10. PTO proses reset soft token (VIP access) E-Tax

v

Summary Product

11. PTO registrasi mandiri internet bisnis
12. PTO registrasi maintenance mandiri internet bisnis
13. PTO proses kenaikan limit internet banking
14. PTO proses autoreg IB hongkong
15. PTO proses patching data internet banking
16. PTO proses permohonan setting perubahan supply chain management
17. PTO proses permohonan setting supply chain management baru
18. PTO proses pendaftaran user mandiri advance remittance system
19. PTO pendaftaran MCM
20. PTO penutupan MCM
21. PTO perubahan layanan MCM
22. PTO reset password MCM
23. PTO unloked token MCM
PTO Seksi Cash Management Implementation

1. PTO set up pemeliharaan parameter notional pooling
2. PTO setting over draft
3. PTO setting limit overdraft giro bersaldo debit
4. PTO reminder jatuh tempo giro bersaldo debit
5. PTO cash concentration
6. PTO mandiri auto debet perusahaan travel agent
7. PTO mandiri auto debet (MAD)
8. PTO administrasi user ID & password portal perusahaan asuransi kesehatan
9. PTO proses mengunduh data tagihan perusahaan asuransi kesehatan
PTO Seksi Priority Client Support
1. PTO petty cash corporate
2. PTO layanan monitoring keberhasilan transaksi melalui cash management
3. PTO proses cash pick up & cash delivery
4. PTO proses dan prosedur layanan giro dengan warkat khusus
5. PTO proses dan prosedur pembayaran pajak impor barang (PIB)
6. PTO proses pembukaan rekeningTABKAPEL
7. PTO layanan pembayaran utility payment
8. PTO proses dan prosedur layanan retur transaksi
9. PTO proses dan prosedur pelaporan devisa hasil ekspor (DHE)- rincian

transaksi ekspor (RTE)
10. PTO proses dan prosedur pengecekan outgoingTT
11. PTO proses dan prosedur informasi incoming & outgoing telegraphic

transfer (TT)
12. PTO proses dan prosedur pelaporan update informasi progress bank garansi
13. PTO proses dan prosedur identi kasi transaksi
14. PTO proses dan prosedur pelaporan harian pajak
15. PTO proses dan prosedur permintaan informasi incoming & outgoing RTGS

vi

Summary Product

16. PTO proses dan prosedur layanan MCM -Single Mix Upload
17. PTO proses dan prosedur monitoring keberhasilan transaksi MT101
18. PTO proses dan prosedur monitoring pajak PPh dan Ppn
19. PTO proses dan prosedur inquiry rekening koran (archive)
20. PTO penyelesaian transaksi nasabah yang terkena daftar hitam nasional

(DHN)
21. PTO proses dan prosedur layanan transaksi manual
22. PTO proses dan prosedur mandiri virtual account (MVA)
23. PTO proses dan prosedur cash pick up (CPU) / cash delivery (CD)
24. PTO proses dan prosedur invoicing MT 101
PTO Seksi Reporting &Transaction Support
1. PTO proses dan prosedur mass sweep
2. PTO proses dan prosedur rekonsiliasi serta pengembalian dana nasabah

pengguna atm bersama pada cabang 99102
3. PTO proses dan prosedur rekonsiliasi transaksi remittance
4. PTO proses dan prosedur matching data
5. PTO proses dan prosedur rekonsiliasi serta pengembalian dana nasabah

pengguna atm prima pada cabang 99102
6. PTO proses dan prosedur rekonsiliasi transaksi pajak bumi & bangunan (PBB)

daerah khusus ibukota (DKI) Jakarta (Jkt)
7. PTO proses dan prosedur pemeriksaan tujuan transaksi luar negeri nasabah

terkait laporan lalu lintas devisa (LLD)
8. PTO proses dan prosedur rekonsiliasi & pelimpahan transaksi asuransi

ketenagakerjaan
9. PTO proses dan prosedur investigasi transaksi pembayaran mandiri virtual

account (MVA) via jaringan atm link
10. PTO proses dan prosedur pengembalian dana nasabah sistem kliring nasional

(SKN) / real time gross settlement (RTGS)
11. PTO proses dan prosedur rekonsiliasi rekening general ledger (GL) cabang

99102
12. PTO proses dan prosedur pengembalian dana nasabah pengguna tur

telegraphic transfer (TT) di MCM / MIB
13. PTO proses dan prosedur rekonsiliasi rekening giro non customer (GNC)

cabang 99102

vii

Daftar Isi

Kata Pengantar
Group Head Electronic Channel Operations.......................................................................i
Department Head Mobile & Internet Banking Operation..............................................ii

Summary Product.......................................................................................................................................iii
Daftar Isi..........................................................................................................................................................viii
Struktur Organisasi Mobile & Internet Banking Operation Department........................xv

Mobile Implementation halaman

Struktur Organisasi Mobile Implementation................................................................................ 1

Ringkasan pekerjaan................................................................................................................................ 2

Layanan Produk........................................................................................................................................... 2
Mobile banking.............................................................................................................................. 2
Mandiri mobile............................................................................................................... 4
Ketik sms........................................................................................................................... 5
Pilih menu (stk)............................................................................................................... 6
Layanan keuangan digital.......................................................................................... 6
Mandiri e-cash................................................................................................ 9
Branchless banking (rupi)...........................................................................15

Layanan Pekerjaan.....................................................................................................................................17
Setting paramater sms banking...............................................................................................17
Proses laporan wording sms banking....................................................................17
Proses perubahan limit sms banking.....................................................................17
Proses perubahan pre x sms banking...................................................................17
Proses penghapusan sms banking..........................................................................17
Update user id mobile banking pada sistem web cso.....................................................18
Setting parameter e-cash...........................................................................................................18
Setting parameter rupi................................................................................................................18

Service Level Agreement (SLA)............................................................................................................18

Petunjuk Teknis Operasional (PTO)....................................................................................................19
PTO Parameter SMS Banking.....................................................................................................19
PTO Penghapusan Nomor SMS Banking.............................................................................. 20
PTO Proses Perubahan Limit SMS banking..........................................................................21
PTO Update User ID Mobile Banking Pada Sistem Webcso...........................................22
PTO Proses Laporan Wording SMS Banking........................................................................23
PTO Proses Pendaftaran Merchant mATM............................................................................24

viii

Daftar Isi

Petunjuk Teknis Operasional (PTO)....................................................................................................37
PTO Proses Pendaftaran User Sysadmin E-RTE...................................................................37
PTO Reset Password Sysadmin Nasabah.............................................................................. 38
PTO Perubahan Jenis Koneksi...................................................................................................39
PTO Penambahan/Perubahan Kode Biller............................................................................40
PTO Penambahan/Perubahan Costum Report...................................................................41
PTO Perubahan Pro l Nasabah.................................................................................................42
PTO Implementasi Mandiri File Transfer...............................................................................43
PTO Proses Pendaftaran User Sysadmin E-Tax....................................................................44
PTO Proses Perubahan Data Sysadmin E-Tax...................................................................... 45
PTO Proses Reset Soft Token (VIP Access) E-Tax.................................................................46
PTO Registrasi Mandiri Internet bisnis...................................................................................47
PTO Registrasi Maintenance Mandiri Internet bisnis........................................................48
PTO Proses Kenaikan Limit Internet Banking......................................................................49
PTO Proses Autoreg IB Hongkong...........................................................................................50
PTO Proses Patching Data Internet Banking........................................................................51
PTO proses Permohonan Setting Perubahan Supply Chain Management............. 52
PTO Proses Permohonan Setting Supply Chain Management Baru...........................53
PTO Proses Pendaftaran User Mandiri Advance Remittance System.........................54
PTO Pendaftaran MCM................................................................................................................ 55
PTO Penutupan MCM...................................................................................................................56
PTO Perubahan Layanan MCM.................................................................................................57
PTO Reset Password MCM..........................................................................................................58
PTO Unlocked Token MCM........................................................................................................ 59

ix

Daftar Isi

Internet Implementation halaman

Struktur Organisasi Internet Implementation.............................................................................25

Ringkasan pekerjaan................................................................................................................................26

Layanan Produk ..........................................................................................................................................26
Mandiri cash management........................................................................................................26
Mandiri internet bisnis.................................................................................................................27
Mandiri supplay chain.................................................................................................................28
Internet banking............................................................................................................................28
E-Tax....................................................................................................................................................28
Mandiri easy RTE............................................................................................................................30
Mandiri advance remittance system (MARS).......................................................................31
Mandiri le transfer.......................................................................................................................32

Layanan Pekerjaan.....................................................................................................................................32
Mandiri cash management........................................................................................................32
Setting parameter mandiri cash management
Setting maintenance mandiri cash management
Mandiri internet bisnis ................................................................................................................33
Setting parameter mandiri internet bisnis
Setting maintenance mandiri internet bisnis
Mandiri supply chain....................................................................................................................33
Setting parameter mandiri supply chain
Setting maintenance mandiri supply chain
Internet banking............................................................................................................................33
Setting parameter internet banking
Setting maintenance internet banking
E-Tax....................................................................................................................................................34
Setting parameter E-Tax
Setting maintenance E-Tax
E-RTE...................................................................................................................................................34
Setting parameter E-RTE
Setting maintenance E-RTE
Mandiri advance remittance system (MARS).......................................................................34
Setting parameter MARS
Setting maintenance MARS
Mandiri le transfer (MFT)..........................................................................................................35
Setting parameter MFT
Setting maintenance MFT

Service Level Agreement (SLA)...........................................................................................................3 5

x

Daftar Isi

Cash Management Implementation halaman

Struktur Organisasi Cash Management Implementation.......................................................60

Ringkasan pekerjaan................................................................................................................................61

Layanan Produk...........................................................................................................................................61
Notional pooling............................................................................................................................61
Mandiri cash concentration (Batch Sweep/Online Mass Sweep).................................62
Mandiri auto debit........................................................................................................................63
Mandiri corporate collection (UBP).........................................................................................64

Layanan Pekerjaan.....................................................................................................................................64
Pembentukan rekening giro bersaldo debit.......................................................................64
Setting limit over draft.................................................................................................................64
Perpanjangan rekening giro bersaldo debit........................................................................64
Setting budget account..............................................................................................................65
Perhitungan bunga notional pooling....................................................................................65
Pembuatan user id portal BPJS kesehatan...........................................................................65
Proses data tagihan auto debit iuran BPJS kesehatan......................................................65
Setting UBP biller baru................................................................................................................65
Maintenance biller UBP...............................................................................................................65
Proses data upload data biller UBP.........................................................................................65
Laporan transaksi via channel...................................................................................................65
Pendaftaran dan maintenance Mt940...................................................................................66
Memeriksa kelengkapan surat kuasa MAD..........................................................................66
Setting rekening MAD.................................................................................................................66

Service Level Agreement (SLA)............................................................................................................66

Petunjuk Teknis Operasional (PTO)....................................................................................................68
PTO Set Up Pemeliharaan Parameter Notional Pooling..................................................68
PTO Setting Over Draft................................................................................................................69
PTO Setting Limit Overdraft Giro Bersaldo Debit...............................................................70
PTO Reminder Jatuh Tempo Giro Bersaldo Debit..............................................................71
PTO Cash Concentration.............................................................................................................72
PTO Mandiri Auto Debet Perusahaan Travel Agent..........................................................73
PTO Mandiri Auto Debet (MAD)...............................................................................................74
PTO Administrasi User ID & Password Portal Perusahaan Asuransi Kesehatan......75
PTO Proses Mengunduh Data TagihanPerusahaan Asuransi Kesehatan.........76
PTO Penda aran Layanan Mandiri Cash Collec on...................................................77

PTO Penda aran Layanan Mandiri Corporate Payment..........................................78

xi

Daftar Isi

Priority Client Support halaman

Struktur Organisasi Priority Client Support.................................................................................. 79

Ringkasan pekerjaan................................................................................................................................ 80

Layanan Produk...........................................................................................................................................80
Monitoring petty cash card perusahaan listrik negara (PLN)........................................ 80
Monitoring tolakan Kliring PT Surya Madistrindo (Gudang
Garam Group).................................................................................................................................82
Monitoring cash pick up dan cash delivery......................................................................... 82
Layanan giro dan warkat khusus............................................................................................. 83
Pembayaran pajak impor barang (PIB) menggunakan sarana
perintah pembayaran lainnya.................................................................................................. 84
Pembukaan rekening TabKaPel dan penerbitan kartu debit
CoBrand – HM Sampoerna........................................................................................................ 84
Utility payment...............................................................................................................................85
Informasi retur transaksi MCM..................................................................................................85
Pelaporan devisa hasil expor (DHE) dan rincian transaksi
ekspor (RTE).....................................................................................................................................85
Informasi incoming dan outgoing telegraphic transfer (TT)........................................ 85
Update Informasi progress bank garansi PT HM Sampoerna....................................... 85
Identi kasi transaksi setoran.....................................................................................................85
Pelaporan pajak............................................................................................................................. 85
Informasi incoming dan outgoing real time gross
Settlement (RTGS).........................................................................................................................86
Mandiri cash management (MCM) PT Mayora melalui
proses single mix upload............................................................................................................86
MT 101...............................................................................................................................................87
Pelaporan pajak pertamina....................................................................................................... 88
Permintaan rekening koran (archive).....................................................................................89
Monitoring daftar hitam bank indonesia untuk PT POS................................................. 89
Transaksi manual PT Sumber Alfaria Trijaya.........................................................................89
Mandiri virtual account............................................................................................................... 89
Invoicing cash pick up & cash delivery (CPU-CD).............................................................. 89
Invoicing MT 101............................................................................................................................90

xii

Daftar Isi

Layanan pekerjaan.....................................................................................................................................90
Response time email nasabah..................................................................................................90
Menindaklanjuti dan melakukan penerusan
permintaan dan atau Keluhan nasabah................................................................................90
Pembayaran.....................................................................................................................................91
Penagihan........................................................................................................................................91
Reporting..........................................................................................................................................91

Service Level Agreement (SLA)............................................................................................................92

Petunjuk Teknis Operasional (PTO)....................................................................................................94
PTO petty cash corporate...........................................................................................................94
PTO layanan monitoring keberhasilan transaksi melalui cash management.........95
PTO proses cash pick up & cash delivery..............................................................................96
PTO proses dan prosedur layanan giro dengan warkat khusus...................................97
PTO proses dan prosedur pembayaran pajak impor barang (PIB)..............................98
PTO proses pembukaan rekening TABKAPEL......................................................................99
PTO layanan pembayaran utility payment........................................................................100
PTO proses dan prosedur layanan retur transaksi...........................................................101
PTO proses dan prosedur pelaporan devisa hasil ekspor (DHE)- rincian
transaksi ekspor (RTE).......................................................................................................102
PTO proses dan prosedur pengecekan outgoing TT.....................................................103
PTO proses dan prosedur informasi incoming & outgoing telegraphic transfer
(TT)..........................................................................................................................................104
PTO proses dan prosedur pelaporan update informasi progress bank garansi...105
PTO proses dan prosedur identi kasi transaksi...............................................................106
PTO proses dan prosedur pelaporan harian pajak..........................................................107
PTO proses dan prosedur permintaan informasi incoming & outgoing RTGS......108
PTO proses dan prosedur layanan MCM -Single Mix Upload......................................109
PTO proses dan prosedur monitoring keberhasilan transaksi Mt101.....................110
PTO proses dan prosedur monitoring pajak PPh dan Ppn...........................................111
PTO proses dan prosedur inquiry rekening koran (archive)........................................112
PTO penyelesaian transaksi nasabah yang terkena daftar hitam nasional
(DHN)......................................................................................................................................113
PTO proses dan prosedur layanan transaksi manual.....................................................114
PTO proses dan prosedur mandiri virtual account (MVA)............................................115
PTO proses dan prosedur cash pick up (CPU) / cash delivery (CD)...........................116
PTO proses dan prosedur invoicing MT 101......................................................................117

xiii

Daftar Isi

Reporting & Transaction Support halaman

Struktur Organisasi Reporting & Transaction Support..........................................................118

Ringkasan pekerjaan..............................................................................................................................119

Layanan Pekerjaan...................................................................................................................................119

Service Level Agreement (SLA)..........................................................................................................120

Petunjuk Teknis Operasional (PTO)................................................................................................122
PTO proses dan prosedur mass sweep..........................................................................122
PTO proses dan prosedur rekonsiliasi serta pengembalian dana nasabah
pengguna atm bersama pada cabang 99102.......................................123
PTO proses dan prosedur rekonsiliasi transaksi remi ance........................125
PTO proses dan prosedur matching data....................................................126
PTO proses dan prosedur rekonsiliasi serta pengembalian dana nasabah
pengguna atm prima pada cabang 99102............................................127
PTO proses dan prosedur rekonsiliasi transaksi pajak bumi & bangunan
(PBB) daerah khusus ibukota (DKI) Jakarta (Jkt)...................................129
PTO proses dan prosedur pemeriksaan tujuan transaksi luar negeri
nasabah terkait laporan lalu lintas devisa (LLD)...................................1. 30
PTO proses dan prosedur rekonsiliasi & pelimpahan transaksi asuransi
ketenagakerjaan...................................................................................131
PTO proses dan prosedur inves gasi transaksi pembayaran mandiri
virtual account (MVA) via jaringan atm link.........................................132
PTO proses dan prosedur pengembalian dana nasabah sistem kliring
nasional (SKN) / real me gross se lement (RTGS).............................134
PTO proses dan prosedur rekonsiliasi rekening general ledger (GL)
cabang 99102.......................................................................................135
PTO proses dan prosedur pengembalian dana nasabah pengguna fitur
telegraphic transfer (TT) di MCM / MIB...............................................136
PTO proses dan prosedur rekonsiliasi rekening giro non customer (GNC)
cabang 99102....................................................................................................................137

xiv



Struktur Organisasi

Organization Chart

Mobile & Internet Banking
Operation Department

Mobile Implementation Internet Implementation Cash Management Priority Client Support Report & Transaction
Implementation Support

xv