Find Scenario

Component: Scenarios 1/115

User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

1 ­ Cash Transaction Above IDR 500mio

Header data:
No.: 1 Editor: 19056494 Edited: 04/09/20, 13:39
Status: Active Auditor: 16053040 Audit date: 04/09/20, 14:19

Basis: Transaction+segment+risk Start: 21/12/18

Check level: End:
Issue: Score: 10
Comment: Cash withdrawal or cash deposit (cummulative transaction within a day).

Criteria and Threshold

*Minimum amount: IDR 500 mio
*All Customers
*Time frame: same day

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 1 ­ All customers

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type
Account

Threshold comment:
Cash withdrawal or cash deposit (cummulative transaction within a day).

Criteria and Threshold

*Minimum amount: IDR 500 mio
*All Customers
*Time frame: same day

Siron syntax for threshold:

(v0001_SUM_DEB_CSH_1D >= 500000000 OR
v0001_SUM_CRED_CSH_1D >= 500000000) AND
ACC_SPH_03 NE '0800' AND CUST_SPH_01 NE '02'
Find Scenario
Component: Scenarios 2/115
User: optimus27
Client: 0001 ­ BTPN UAT
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Entries: 60
Search criteria: None

Threshold for 99 ­ Walk In Customers

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type
Account

Threshold comment:
Add due to tuning scenario project 04Sept

Siron syntax for threshold:

(v0001_SUM_DEB_CSH_1D >= 500000000 OR
v0001_SUM_CRED_CSH_1D >= 500000000) AND
ACC_SPH_03 NE '0800' AND CUST_SPH_01 NE '02'

2 ­ New customer (customer opening date) with large cash deposits

Header data:
No.: 2 Editor: optimus8 Edited: 14/09/17, 17:27
Status: Inactive Auditor: Audit date:
Basis: Account profile+segment+risk Start: 09/10/02
Check level: Customer End: 09/10/02
Issue: Score: 10
Comment: Creation/installation

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 1 ­ All customers

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Creation/installation
Find Scenario
Component: Scenarios 3/115
User: optimus27
Client: 0001 ­ BTPN UAT
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Entries: 60
Search criteria: None

Threshold criteria:
Comparison Object Operator Start End

Total ­ transactions (credit, cash) >= 15000

Number ­ transactions (credit, cash) > 1
Number ­ days since customer opening <= 30

Siron syntax for threshold:

SUM_CSH_CRED >= 15000 AND NUM_CSH_CRED > 1 AND NUM_DAYS_CUST_OPEN
<= 30

3 ­ Reactivation of Inactive Account (Replacing Scenario 57 & 58)

Header data:
No.: 3 Editor: optimus28 Edited: 18/05/22, 13:40
Status: Active Auditor: optimus8 Audit date: 18/05/22, 13:50

Basis: Account profile+segment+risk Start: 24/04/22

Check level: Account End:
Issue: Score: 10
Comment: Basis: Monthly Profile:
1. For all customer types, excluding ex­SMBCI (Branch Code 0800)
2. Exclude Internal Jenius transaction made by same CRN with multiple CIF (from “EK” account
type/Flexible Savings Jenius)
3. Exclude loan and loan payment (from “EB” account type/Tabungan Pensiun)
4. Exclude tax, interest, fee, and time deposit redemption/placement
5. Check if an account has been inactive (no incoming/outgoing transactions) for 1 closed month for 3
months in a row; AND
6. Within the current month, check if there is any transaction in the latest 7 days:
Entity/non­individual
­ Total incoming and outgoing transaction amount >= IDR 100 million
Individual
­ Total incoming and outgoing transaction amount >= IDR 50 million

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 53 ­ INDIVIDUAL_NEW

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Find Scenario
Component: Scenarios 4/115
User: optimus27
Client: 0001 ­ BTPN UAT
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Entries: 60
Search criteria: None

Threshold comment:
Basis: Monthly Profile:
1. For all customer types, excluding ex­SMBCI (Branch Code 0800)
2. Exclude Internal Jenius transaction made by same CRN with multiple CIF (from “EK” account
type/Flexible Savings Jenius)
3. Exclude loan and loan payment (from “EB” account type/Tabungan Pensiun)
4. Exclude tax, interest, fee, and time deposit redemption/placement
5. Check if an account has been inactive (no incoming/outgoing transactions) for 1 closed month for 3
months in a row; AND
6. Within the current month, check if there is any transaction in the latest 7 days:
Individual
­ Total incoming and outgoing transaction amount >= IDR 50 million

Siron syntax for threshold:

TURNO_NEW_YN = 'Y' AND
NUM_DAYS_CUST_OPEN>180 AND
NUM_DAYS_ACC_OPEN>180 AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
BUSINESSTYPE NE 'EK' AND
SUM_TURNO = 0 AND
D30_SUM_TURNO_7D >= 50000000

Threshold for 54 ­ ENTITY_NEW

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Basis: Monthly Profile
1. For all customer types, excluding ex­SMBCI (Branch Code 0800)
2. Exclude Internal Jenius transaction made by same CRN with multiple CIF (from “EK” account
type/Flexible Savings Jenius)
3. Exclude loan and loan payment (from “EB” account type/Tabungan Pensiun)
4. Exclude tax, interest, fee, and time deposit redemption/placement
5. Check if an account has been inactive (no incoming/outgoing transactions) for 1 closed month for 3
months in a row; AND
6. Within the current month, check if there is any transaction in the latest 7 days:
Entity/non­individual
­ Total incoming and outgoing transaction amount >= IDR 100 million

Siron syntax for threshold:

TURNO_NEW_YN = 'Y' AND
NUM_DAYS_CUST_OPEN>180 AND
NUM_DAYS_ACC_OPEN>180 AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
BUSINESSTYPE NE 'EK' AND
SUM_TURNO = 0 AND
D30_SUM_TURNO_7D >= 100000000
Find Scenario
Component: Scenarios 5/115
User: optimus27
Client: 0001 ­ BTPN UAT
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Entries: 60
Search criteria: None

4 ­ Sudden Increase Activity (FOREIGN)

Header data:
No.: 4 Editor: 19056494 Edited: 30/06/21, 20:24
Status: Active Auditor: 16053040 Audit date: 30/06/21, 20:28
Basis: Account profile+segment+risk Start: 01/07/21
Check level: Customer End:
Issue: Score: 10
Comment: To monitor incoming and outgoing foreign wire transaction activity that is outside of normal expected
number of occurrences.

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 53 ­ INDIVIDUAL_NEW

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
1. For all customer types, excluding ex­SMBCI (Branch Code 0800)
2. Check if incoming and outgoing transaction from/to overseas bank (international wire transfer) satisfies
the following:

Entity/non­individual
Total incoming and outgoing transaction frequency >= 10 times in 1 month; AND
Total incoming and outgoing transaction amount >= IDR 10 million

Individual
Total incoming and outgoing transaction frequency >= 3 times in 1 month

Threshold criteria:
Comparison Object Operator Start End

Profile counter 10 (30 days period) >= 3

Siron syntax for threshold:

D30_ST_NUM_10 >= 3
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Component: Scenarios 6/115
User: optimus27
Client: 0001 ­ BTPN UAT
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Entries: 60
Search criteria: None

Threshold for 54 ­ ENTITY_NEW

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
1. For all customer types, excluding ex­SMBCI (Branch Code 0800)
2. Check if incoming and outgoing transaction from/to overseas bank (international wire transfer) satisfies
the following:

Entity/non­individual
Total incoming and outgoing transaction frequency >= 10 times in 1 month; AND
Total incoming and outgoing transaction amount >= IDR 10 million

Individual
Total incoming and outgoing transaction frequency >= 3 times in 1 month

Threshold criteria:
Comparison Object Operator Start End

Profile amount 10 (30 days period) >= 10000000

Profile counter 10 (30 days period) >= 10

Siron syntax for threshold:

D30_ST_AMOUNT_10 >= 10000000 AND D30_ST_NUM_10 >= 10

5 ­ Large number cash deposits (credit)

Header data:
No.: 5 Editor: optimus8 Edited: 14/09/17, 17:27
Status: Inactive Auditor: Audit date:
Basis: Account profile+segment+risk Start: 09/10/02
Check level: Customer End: 09/10/02
Issue: Score: 5
Comment: Creation/installation

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:
Find Scenario
Component: Scenarios 7/115
User: optimus27
Client: 0001 ­ BTPN UAT
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Entries: 60
Search criteria: None

Threshold for 9 ­ Automobile industry (trade and repair)

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Creation/installation

Threshold criteria:
Comparison Object Operator Start End

Number ­ transactions (credit, cash) > 12

Siron syntax for threshold:

NUM_CSH_CRED > 12

Threshold for 10 ­ Other foreign self­employed private persons, hotel, restaurant

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Creation/installation

Threshold criteria:
Comparison Object Operator Start End

Number ­ transactions (credit, cash) > 24

Siron syntax for threshold:

NUM_CSH_CRED > 24
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Search criteria: None

Threshold for 20 ­ Religious associations

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Creation/installation

Threshold criteria:
Comparison Object Operator Start End

Number ­ transactions (credit, cash) > 90

Number ­ different depositors (period ­ > 90
'Transaction Settings', max. 100)

Siron syntax for threshold:

NUM_CSH_CRED > 90 AND NUM_DEPOSITOR > 90

6 ­ Large sum cash deposits (credit)

Header data:
No.: 6 Editor: optimus8 Edited: 14/09/17, 17:27
Status: Inactive Auditor: Audit date:
Basis: Account profile+segment+risk Start: 09/10/02
Check level: Customer End: 09/10/02
Issue: Score: 5
Comment: Creation/installation

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:
Find Scenario
Component: Scenarios 9/115
User: optimus27
Client: 0001 ­ BTPN UAT
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Entries: 60
Search criteria: None

Threshold for 5 ­ National budgets

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Creation/installation

Threshold criteria:
Comparison Object Operator Start End

Total ­ transactions (credit, cash) > 1000000

Proportion transactions (credit) to total >= 30
Number ­ transactions (cash) > 20

Siron syntax for threshold:

SUM_CSH_CRED > 1000000 AND PROP_CRED >= 30 AND NUM_CSH > 20

7 ­ Large number cash withdrawals (debit)

Header data:
No.: 7 Editor: optimus8 Edited: 14/09/17, 17:27
Status: Inactive Auditor: Audit date:

Basis: Account profile+segment+risk Start: 09/10/02

Check level: Customer End: 09/10/02
Issue: Score: 5
Comment: Creation/installation

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:
Find Scenario
Component: Scenarios 10/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold for 2 ­ Private customers

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Creation/installation

Threshold criteria:
Comparison Object Operator Start End

Number ­ transactions (debit, cash) >= 20

Siron syntax for threshold:

NUM_CSH_DEB >= 20

Threshold for 3 ­ Corporate customers

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Creation/installation

Threshold criteria:
Comparison Object Operator Start End

Number ­ transactions (debit, cash) >= 400

Siron syntax for threshold:

NUM_CSH_DEB >= 400
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Component: Scenarios 11/115
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Client: 0001 ­ BTPN UAT
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Search criteria: None

Threshold for 4 ­ National credit institutions

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Creation/installation

Threshold criteria:
Comparison Object Operator Start End

Number ­ transactions (debit, cash) >= 10000

Siron syntax for threshold:

NUM_CSH_DEB >= 10000

8 ­ Large sum cash withdrawal (debit)

Header data:
No.: 8 Editor: optimus8 Edited: 14/09/17, 17:27
Status: Inactive Auditor: Audit date:
Basis: Account profile+segment+risk Start: 09/10/02
Check level: Customer End: 09/10/02
Issue: Score: 5
Comment: Creation/installation

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 2 ­ Private customers

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Find Scenario
Component: Scenarios 12/115
User: optimus27
Client: 0001 ­ BTPN UAT
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Entries: 60
Search criteria: None

Threshold comment:
Creation/installation

Threshold criteria:
Comparison Object Operator Start End

Total ­ transactions (debit, cash) >= 100000

Siron syntax for threshold:

SUM_CSH_DEB >= 100000

Threshold for 3 ­ Corporate customers

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Creation/installation

Threshold criteria:
Comparison Object Operator Start End

Total ­ transactions (debit, cash) >= 100000

Siron syntax for threshold:

SUM_CSH_DEB >= 100000

9 ­ Countries to be observed (outside NCCT)

Header data:
No.: 9 Editor: optimus8 Edited: 14/09/17, 17:27
Status: Inactive Auditor: Audit date:

Basis: Transaction+segment+risk Start: 10/01/03

Check level: End: 09/10/10
Issue: Score: 5
Comment: Creation/installation
Find Scenario
Component: Scenarios 13/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 1 ­ All customers

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type
Account

Threshold comment:
Creation/installation

Threshold criteria:
Comparison Object Operator Start End

Country of contra account (ISO) = 'AF'

= 'AM'
= '...'

Siron syntax for threshold:

CONTRA_COUNTRY = 'AF', = 'AM', = '...'

10 ­ Structuring to Avoid Reporting Requirement

Header data:
No.: 10 Editor: optimus28 Edited: 17/05/22, 13:06
Status: Active Auditor: optimus8 Audit date: 17/05/22, 13:51
Basis: Account profile+segment+risk Start: 24/04/22
Check level: Customer End:
Issue: Score: 10
Comment: To monitor potential structuring activities conducted by a customer to avoid regulatory reporting
requirement

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:
Find Scenario
Component: Scenarios 14/115
User: optimus27
Client: 0001 ­ BTPN UAT
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Entries: 60
Search criteria: None

Threshold for 53 ­ INDIVIDUAL_NEW

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
1. For all customer types, excluding ex­SMBCI (Branch Code 0800)
2. For all transaction types, excluding internal account transfers
3. For each account, check the following:
Total frequency of incoming and outgoing fund transfer in 1 month >= 15 times; AND
Total incoming and outgoing transaction amount in 1 month <= IDR 50 million

Threshold criteria:
Comparison Object Operator Start End

Profile counter 11 (30 days period) >= 40

Profile amount 11 (30 days period) <= 75000000

Siron syntax for threshold:

D30_ST_NUM_11 >= 40 AND D30_ST_AMOUNT_11 <= 75000000

Threshold for 54 ­ ENTITY_NEW

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
1. For all customer types, excluding ex­SMBCI (Branch Code 0800)
2. For all transaction types, excluding internal account transfers
3. For each account, check the following:
Total frequency of incoming and outgoing fund transfer in 1 month >= 15 times; AND
Total incoming and outgoing transaction amount in 1 month <= IDR 50 million

Threshold criteria:
Comparison Object Operator Start End

Profile counter 11 (30 days period) >= 40

Profile amount 11 (30 days period) <= 75000000
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Client: 0001 ­ BTPN UAT
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Search criteria: None

Siron syntax for threshold:

D30_ST_NUM_11 >= 40 AND D30_ST_AMOUNT_11 <= 75000000

11 ­ Large number debit transactions

Header data:
No.: 11 Editor: optimus8 Edited: 14/09/17, 17:27
Status: Inactive Auditor: Audit date:
Basis: Account profile+segment+risk Start: 10/12/02
Check level: Customer End: 09/10/10
Issue: Score: 5
Comment: Creation/installation

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 11 ­ Construction

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Creation/installation

Threshold criteria:
Comparison Object Operator Start End

Number ­ transactions (debit) >= 900

Siron syntax for threshold:

NUM_DEB >= 900
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12 ­ Large sum debit transactions

Header data:
No.: 12 Editor: optimus8 Edited: 14/09/17, 17:27
Status: Inactive Auditor: Audit date:
Basis: Account profile+segment+risk Start: 09/10/02
Check level: Customer End: 09/10/10
Issue: Score: 5
Comment: Creation/installation

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 9 ­ Automobile industry (trade and repair)

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Creation/installation

Threshold criteria:
Comparison Object Operator Start End

Total ­ transactions (debit) >= 5000000

Siron syntax for threshold:

SUM_DEB >= 5000000

13 ­ Collective accounts

Header data:
No.: 13 Editor: optimus8 Edited: 14/09/17, 17:27
Status: Inactive Auditor: Audit date:

Basis: Account profile+segment+risk Start: 09/10/02

Check level: Customer End: 09/10/10
Issue: Score: 10
Comment: Creation/installation
Find Scenario
Component: Scenarios 17/115
User: optimus27
Client: 0001 ­ BTPN UAT
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Entries: 60
Search criteria: None

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 1 ­ All customers

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Creation/installation

Threshold criteria:
Comparison Object Operator Start End

Number ­ different depositors (period ­ >= 20

'Transaction Settings', max. 100)
Number ­ transactions (credit) >= 20
Number ­ transactions (debit) <= 5
Total ­ transactions (credit) >= 15000
Total ­ transactions (debit) >= 100000

Siron syntax for threshold:

NUM_DEPOSITOR >= 20 AND NUM_CRED >= 20 AND NUM_DEB <= 5 AND
SUM_CRED >= 15000 AND
SUM_DEB >= 100000

Threshold for 20 ­ Religious associations

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Creation/installation
Find Scenario
Component: Scenarios 18/115
User: optimus27
Client: 0001 ­ BTPN UAT
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Entries: 60
Search criteria: None

Threshold criteria:
Comparison Object Operator Start End

Number ­ different depositors (period ­ >= 20

'Transaction Settings', max. 100)
Number ­ transactions (credit) >= 20
Number ­ transactions (debit) <= 5
Total ­ transactions (credit) >= 15000
Total ­ transactions (debit) >= 20000

Siron syntax for threshold:

NUM_DEPOSITOR >= 20 AND NUM_CRED >= 20 AND NUM_DEB <= 5 AND
SUM_CRED >= 15000 AND
SUM_DEB >= 20000

14 ­ Large proportion cash deposits ( > 15,000 EUR) to total transaction

Header data:
No.: 14 Editor: optimus8 Edited: 14/09/17, 17:27
Status: Inactive Auditor: Audit date:

Basis: Account profile+segment+risk Start: 09/10/02

Check level: Customer End: 09/10/10
Issue: Score: 10
Comment: Creation/installation

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 1 ­ All customers

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Creation/installation
Find Scenario
Component: Scenarios 19/115
User: optimus27
Client: 0001 ­ BTPN UAT
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Entries: 60
Search criteria: None

Threshold criteria:
Comparison Object Operator Start End

Total ­ transactions (credit, cash) >= 15000

Proportion transactions (credit, cash) to total >= 70

Siron syntax for threshold:

SUM_CSH_CRED >= 15000 AND PROP_CSH_CRED >= 70

Threshold for 8 ­ Other national self­employed private persons, hotel, restaurant

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Creation/installation

Threshold criteria:
Comparison Object Operator Start End

Total ­ transactions (credit, cash) >= 15000

Proportion transactions (credit, cash) to total >= 50

Siron syntax for threshold:

SUM_CSH_CRED >= 15000 AND PROP_CSH_CRED >= 50

Threshold for 9 ­ Automobile industry (trade and repair)

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Creation/installation
Find Scenario
Component: Scenarios 20/115
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Client: 0001 ­ BTPN UAT
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Entries: 60
Search criteria: None

Threshold criteria:
Comparison Object Operator Start End

Total ­ transactions (credit, cash) >= 15000

Proportion transactions (credit, cash) to total >= 25

Siron syntax for threshold:

SUM_CSH_CRED >= 15000 AND PROP_CSH_CRED >= 25

Threshold for 10 ­ Other foreign self­employed private persons, hotel, restaurant

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Creation/installation

Threshold criteria:
Comparison Object Operator Start End

Total ­ transactions (credit, cash) >= 15000

Proportion transactions (credit, cash) to total >= 50

Siron syntax for threshold:

SUM_CSH_CRED >= 15000 AND PROP_CSH_CRED >= 50

Threshold for 11 ­ Construction

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Creation/installation
Find Scenario
Component: Scenarios 21/115
User: optimus27
Client: 0001 ­ BTPN UAT
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Entries: 60
Search criteria: None

Threshold criteria:
Comparison Object Operator Start End

Total ­ transactions (credit, cash) >= 15000

Proportion transactions (credit, cash) to total >= 10

Siron syntax for threshold:

SUM_CSH_CRED >= 15000 AND PROP_CSH_CRED >= 10

Threshold for 14 ­ Companies under private law

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Creation/installation

Threshold criteria:
Comparison Object Operator Start End

Total ­ transactions (credit, cash) >= 15000

Proportion transactions (credit, cash) to total >= 25

Siron syntax for threshold:

SUM_CSH_CRED >= 15000 AND PROP_CSH_CRED >= 25

15 ­ Large proportion smurfing (total cash deposits within 9 days)

Header data:
No.: 15 Editor: optimus8 Edited: 14/09/17, 17:28
Status: Inactive Auditor: Audit date:

Basis: Transaction+segment+risk Start: 09/10/02

Check level: End: 09/10/10
Issue: Score: 10
Comment: Creation/installation

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:
Find Scenario
Component: Scenarios 22/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold for 1 ­ All customers

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 15000

Check [independent Business type
of new transactions] Account

Threshold comment:
Creation/installation

Threshold criteria:
Comparison Object Operator Start End

Amount (EUR) = 2500 15000

Cash flag (Y/N) unequal 'N'
Age of the transaction (days) <= 9

Siron syntax for threshold:

AMOUNT = 2500 TO 15000 AND CSHYN NE 'N' AND TR_AGE <= 9

16 ­ Transaction To/From HR Country

Header data:
No.: 16 Editor: 19056494 Edited: 30/08/21, 18:17
Status: Active Auditor: 16053040 Audit date: 31/08/21, 04:42
Basis: Transaction+segment+risk Start: 31/08/21
Check level: End:
Issue: Score: 10
Comment: Scenario to detect transaction going to / from high risk countries

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:
Find Scenario
Component: Scenarios 23/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold for 1 ­ All customers

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type
Account

Threshold comment:
transaction to / from high risk countries

Siron syntax for threshold:

v0001_HIGH_RISK_TP_COUNTRY = 'Y'

17 ­ Transaction in favor of dedicated recipient accounts

Header data:
No.: 17 Editor: optimus8 Edited: 14/09/17, 17:28
Status: Inactive Auditor: Audit date:
Basis: Transaction+segment+risk Start: 05/12/02
Check level: End: 09/10/10
Issue: Score: 5
Comment: Creation/installation

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 2 ­ Private customers

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 100000

Check [independent Business type
of new transactions] Account

Threshold comment:
Creation/installation
Find Scenario
Component: Scenarios 24/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold criteria:
Comparison Object Operator Start End

Contra account no. = '4711'

= '4712'
= '0815' '0899'
Account no. ('Account' base) = ' 999999999'
= ' 888888888'
Amount (EUR) >= 3000
BIC of contra account = '123654789'
Country of contra account (ISO) unequal 'DE'
Cash flag (Y/N) unequal 'N'

Siron syntax for threshold:

CONTRA_ACCNO = '4711', = '4712', = '0815' TO '0899' AND ACCNO =
' 999999999', = ' 888888888' AND AMOUNT >= 3000 AND CONTRA_BIC =
'123654789' AND CONTRA_COUNTRY NE 'DE' AND CSHYN NE 'N'

Threshold for 3 ­ Corporate customers

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 100000

Check [independent Business type
of new transactions] Account

Threshold comment:
Creation/installation

Threshold criteria:
Comparison Object Operator Start End

Contra account no. = '4711'

= '4712'
= '0815' '0899'
Account no. ('Account' base) = ' 999999999'
= ' 888888888'
Amount (EUR) >= 3000
BIC of contra account = '123654789'
Country of contra account (ISO) unequal 'DE'

Siron syntax for threshold:

CONTRA_ACCNO = '4711', = '4712', = '0815' TO '0899' AND ACCNO =
Find Scenario
Component: Scenarios 25/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

' 999999999', = ' 888888888' AND AMOUNT >= 3000 AND CONTRA_BIC =
'123654789' AND CONTRA_COUNTRY NE 'DE'

18 ­ Large single cash deposit within 30 days

Header data:
No.: 18 Editor: optimus8 Edited: 14/09/17, 17:28
Status: Inactive Auditor: Audit date:

Basis: Transaction+segment+risk Start: 09/10/02

Check level: End: 09/10/10
Issue: Score: 5
Comment: Creation/installation

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 1 ­ All customers

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type
Account

Threshold comment:
Creation/installation

Threshold criteria:
Comparison Object Operator Start End

Cash flag (Y/N) = 'Y'

Amount (EUR) >= 15000

Siron syntax for threshold:

CSHYN = 'Y' AND AMOUNT >= 15000
Find Scenario
Component: Scenarios 26/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

19 ­ Entry purpose empty (transaction purpose)

Header data:
No.: 19 Editor: optimus8 Edited: 14/09/17, 17:28
Status: Inactive Auditor: Audit date:
Basis: Transaction+segment+risk Start: 09/10/02
Check level: End: 09/10/10
Issue: Score: 5
Comment: Creation/installation

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 2 ­ Private customers

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Number Customer >= 15

Check [independent Business type
of new transactions] Account

Threshold comment:
Creation/installation

Threshold criteria:
Comparison Object Operator Start End

Reason for payment (line 1) = ''

Siron syntax for threshold:

REASON1 = ''

Threshold for 3 ­ Corporate customers

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Number Customer >= 15

Check [independent Business type
of new transactions] Account
Find Scenario
Component: Scenarios 27/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold comment:
Creation/installation

Threshold criteria:
Comparison Object Operator Start End

Reason for payment (line 1) = ''

Siron syntax for threshold:

REASON1 = ''

20 ­ 1 to N/N to 1

Header data:
No.: 20 Editor: 19056494 Edited: 30/08/21, 18:18
Status: Active Auditor: 16053040 Audit date: 31/08/21, 04:42
Basis: Transaction+segment+risk Start: 31/08/21
Check level: End:
Issue: Score: 10
Comment: Scenario to monitor multiple incoming / incoming involving the same counterparty

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 1 ­ All customers

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type
Account

Threshold comment:
Scenario to monitor multiple incoming / incoming involving the same counterparty

Siron syntax for threshold:

(v0001_TRXCOUNT = 'Y')
Find Scenario
Component: Scenarios 28/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

21 ­ KYE – Employee Trx Monitoring

Header data:
No.: 21 Editor: 19056494 Edited: 29/10/21, 17:14
Status: Active Auditor: 16053040 Audit date: 29/10/21, 17:44
Basis: Account profile+segment+risk Start: 29/10/21
Check level: Customer End:
Issue: Score: 10
Comment: Employee Transaction Profiling Closed Month. Total amount in current month >= 3x of average total
incoming transaction amount in the last 3 months and Average total incoming transaction amount in the
last 3 months >= IDR 5 million

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 55 ­ BTPN Employee

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Employee Transaction Profiling Closed Month. Total amount in current month >= 3x of average total
incoming transaction amount in the last 3 months and Average total incoming transaction amount in the last
3 months >= IDR 5 million

Siron syntax for threshold:

((MON_ST_AMOUNT_12(12)) >= (3*(AVE MON_ST_AMOUNT_12(9..11))))
AND (AVE MON_ST_AMOUNT_12(9..11) >= 5000000)
AND (DAY=5)

22 ­ Reactivation of Inactive Account ­ Alternative 2

Header data:
No.: 22 Editor: optimus28 Edited: 14/06/23, 10:11
Status: Active Auditor: optimus8 Audit date: 14/06/23, 10:14

Basis: Account profile+segment+risk Start: 24/04/22

Check level: Account End:
Issue: Score: 10
Comment: Basis: Monthly Profile:
1. For all customer types, excluding ex­SMBCI (Branch Code 0800)
2. Exclude Internal Jenius transaction made by same CRN with multiple CIF (from “EK” account
Find Scenario
Component: Scenarios 29/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None
type/Flexible Savings Jenius)
3. Exclude loan and loan payment (from “EB” account type/Tabungan Pensiun)
4. Exclude tax, interest, fee, and time deposit redemption/placement
5. Check if an account has been inactive (no incoming/outgoing transactions) for 1 closed month for 3
months in a row; AND
6. Within the current month, check if there is any transaction in the latest 7 days:
Entity/non­individual
­ Total incoming and outgoing transaction amount >= IDR 100 million
Individual
­ Total incoming and outgoing transaction amount >= IDR 50 million

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 53 ­ INDIVIDUAL_NEW

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Basis: Monthly Profile:
1. For all customer types, excluding ex­SMBCI (Branch Code 0800)
2. Exclude Internal Jenius transaction made by same CRN with multiple CIF (from “EK” account
type/Flexible Savings Jenius)
3. Exclude loan and loan payment (from “EB” account type/Tabungan Pensiun)
4. Exclude tax, interest, fee, and time deposit redemption/placement
5. Check if an account has been inactive (no incoming/outgoing transactions) for 1 closed month for 3
months in a row; AND
6. Within the current month, check if there is any transaction in the latest 7 days:
Individual
­ Total incoming and outgoing transaction amount >= IDR 50 million

Siron syntax for threshold:

TURNO_NEW_YN = 'Y' AND
NUM_DAYS_CUST_OPEN>180 AND
NUM_DAYS_ACC_OPEN>180 AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y')
AND SUM_TURNO = 0 AND
D30_ST_AMOUNT_13 >= 50000000
Find Scenario
Component: Scenarios 30/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold for 54 ­ ENTITY_NEW

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Basis: Monthly Profile
1. For all customer types, excluding ex­SMBCI (Branch Code 0800)
2. Exclude Internal Jenius transaction made by same CRN with multiple CIF (from “EK” account
type/Flexible Savings Jenius)
3. Exclude loan and loan payment (from “EB” account type/Tabungan Pensiun)
4. Exclude tax, interest, fee, and time deposit redemption/placement
5. Check if an account has been inactive (no incoming/outgoing transactions) for 1 closed month for 3
months in a row; AND
6. Within the current month, check if there is any transaction in the latest 7 days:
Entity/non­individual
­ Total incoming and outgoing transaction amount >= IDR 100 million

Siron syntax for threshold:

TURNO_NEW_YN = 'Y' AND
NUM_DAYS_CUST_OPEN>180 AND
NUM_DAYS_ACC_OPEN>180 AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y')
AND SUM_TURNO = 0 AND
D30_ST_AMOUNT_13 >= 100000000

23 ­ Cash/Non Cash Withdrawal followed by Cash/Non Cash Deposit in same

day

Header data:
No.: 23 Editor: optimus28 Edited: 28/11/22, 16:16
Status: Active Auditor: optimus8 Audit date: 28/11/22, 16:16
Basis: Transaction+segment+risk Start: 25/04/22
Check level: End:
Issue: Score: 10
Comment: Annual Scenario Review 2022 for Scenario 60.

Changes: to also include NON CASH Transaction

Criteria and Threshold

*All Customers
*CASA Accounts
*Time frame: same day
*Total amount of cash deposit at least X AND cash withdrawal 90% ­ 110% of X within the same day
OR
Total amount of non­cash deposit at least X AND non­cash withdrawal more than 90% of X within the
same day
­ X (threshold) is defined as follow:
o Non­individual (Entity)
Find Scenario
Component: Scenarios 31/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None
>= IDR 500 million (CASH)
>= IDR 1 billion (NON­CASH)
o Individual
>= IDR 100 million (CASH)
>= IDR 250 million (NON­CASH)

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 53 ­ INDIVIDUAL_NEW

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type
Account

Threshold comment:
a. Base: account level
b. Applicable to all CASA products
c. Exclude:
­ Interest
­ Administration fees
­ Time deposit redemption
­ Internal transfer
­ All accounts from ex­SMBCI (Branch Code 0800)
d. Total amount of cash deposit at least X AND cash withdrawal 90% ­ 110% of X within the same day OR
Total amount of non­cash deposit at least X AND non­cash withdrawal 90% ­ 110% of X within the same
day
­ X (threshold) is defined as follow:
o Non­individual (Entity)
>= IDR 500 million (CASH)
>= IDR 1 billion (NON­CASH)
o Individual
>= IDR 100 million (CASH)
>= IDR 250 million (NON­CASH)

Siron syntax for threshold:

(v0001_SUM_CRED_CSH_1D >= 100000000 OR
v0001_SUM_CRED_NCSH_1D >= 250000000)
AND v0001_SUM_SAVACC_DEB_1D >= 0.9*
(v0001_SUM_CRED_CSH_1D+v0001_SUM_CRED_NCSH_1D)
AND ACC_SPH_03 NE '0800'
Find Scenario
Component: Scenarios 32/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold for 54 ­ ENTITY_NEW

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type
Account

Threshold comment:
a. Base: account level
b. Applicable to all CASA products
c. Exclude:
­ Interest
­ Administration fees
­ Time deposit redemption
­ Internal transfer
­ All accounts from ex­SMBCI (Branch Code 0800)
d. Total amount of cash deposit at least X AND cash withdrawal 90% ­ 110% of X within the same day OR
Total amount of non­cash deposit at least X AND non­cash withdrawal 90% ­ 110% of X within the same
day
­ X (threshold) is defined as follow:
o Non­individual (Entity)
>= IDR 500 million (CASH)
>= IDR 1 billion (NON­CASH)
o Individual
>= IDR 100 million (CASH)
>= IDR 250 million (NON­CASH)

Siron syntax for threshold:

(v0001_SUM_CRED_CSH_1D >= 500000000 OR
v0001_SUM_CRED_NCSH_1D >= 1000000000 )
AND v0001_SUM_SAVACC_DEB_1D >= 0.9*
(v0001_SUM_CRED_CSH_1D+v0001_SUM_CRED_NCSH_1D)
AND ACC_SPH_03 NE '0800'

24 ­ Account Closure ­ Part 1

Header data:
No.: 24 Editor: optimus8 Edited: 14/12/22, 16:51
Status: Active Auditor: optimus28 Audit date: 16/12/22, 19:54

Basis: Transaction+segment+risk Start: 27/04/22

Check level: End:
Issue: Score: 10
Comment: a.Base: account level
b.Applicable to all CASA product
c.Exclude:
­ Interest
­ Administration fees
­ Time deposit redemption
­ Internal transfer (e.g Jenius Transaction)
­ Sub Account Jenius (EK,EH,EI,EJ,EL,EM,EN,IH,II,IJ,IK,IL,IM,IN,IO)
­ Loan Transaction
Find Scenario
Component: Scenarios 33/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None
­ All accounts from ex­SMBCI (Branch Code 0800)
d.If one of two conditions are met, then generate alert:
Condition 1 ­>
­ Account is closed within 3 months after account opening date (Jika ditutup dalam waktu 3 bulan)
OR
Condition 2 ­>
­ Within 10 days prior to account closure date, there is incoming transaction totaling to minimum of X
X is defined as:
oNon­individual (Entity): Total incoming transaction >= IDR 500 million
oIndividual: Total incoming transaction >= IDR 100 million
cek H­10 sampai closed date incoming amount

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 53 ­ INDIVIDUAL_NEW

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type
Account

Threshold comment:
If one of two conditions are met, then generate alert:
Condition 1 ­>
­ Account is closed within 3 months after account opening date (Jika ditutup dalam waktu 3 bulan)
OR
Condition 2 ­>
­ Within 10 days prior to account closure date, there is incoming transaction totaling to minimum of X
X is defined as:
oNon­individual (Entity): Total incoming transaction >= IDR 500 million
oIndividual: Total incoming transaction >= IDR 100 million

Siron syntax for threshold:

NUM_DAYS_ACC_OPEN = TERM AND
(V0001_SAVE_ACC = 'Y' OR V0001_CURR_ACC = 'Y')
AND (BUSINESSTYPE NE 'EH', NE 'EI', NE 'EJ', NE 'EK',
NE 'IH', NE 'II', NE 'IJ', NE 'IK') AND TERM <= 90

Threshold for 54 ­ ENTITY_NEW

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type
Account
Find Scenario
Component: Scenarios 34/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold comment:
If one of two conditions are met, then generate alert:
Condition 1 ­>
­ Account is closed within 3 months after account opening date (Jika ditutup dalam waktu 3 bulan)
OR
Condition 2 ­>
­ Within 10 days prior to account closure date, there is incoming transaction totaling to minimum of X
X is defined as:
oNon­individual (Entity): Total incoming transaction >= IDR 500 million
oIndividual: Total incoming transaction >= IDR 100 million

Siron syntax for threshold:

NUM_DAYS_ACC_OPEN = TERM AND
(V0001_SAVE_ACC = 'Y' OR V0001_CURR_ACC = 'Y')
AND (BUSINESSTYPE NE 'EH', NE 'EI', NE 'EJ', NE 'EK',
NE 'IH', NE 'II', NE 'IJ', NE 'IK') AND TERM <= 90

25 ­ Sudden transaction increase

Header data:
No.: 25 Editor: optimus8 Edited: 14/09/17, 17:28
Status: Inactive Auditor: Audit date:
Basis: Account profile+segment+risk Start: 09/10/02
Check level: Customer End: 09/10/10
Issue: Score: 5
Comment: Creation/installation

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 1 ­ All customers

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Creation/installation
Find Scenario
Component: Scenarios 35/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold criteria:
Comparison Object Operator Start End

Proportion transactions 7 days to 3 months >= 95

(var)

Siron syntax for threshold:

v0001_prop_7_Days_to_3_Months >= 95

26 ­ Number ­ different depositors (credit entries, contra account)

Header data:
No.: 26 Editor: optimus8 Edited: 14/09/17, 17:28
Status: Inactive Auditor: Audit date:

Basis: Account profile+segment+risk Start: 09/10/02

Check level: Customer End: 09/10/10
Issue: Score: 5
Comment: Creation/installation

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 2 ­ Private customers

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Creation/installation

Threshold criteria:
Comparison Object Operator Start End

Number ­ different depositors (period ­ >= 50

'Transaction Settings', max. 100)

Siron syntax for threshold:

NUM_DEPOSITOR >= 50
Find Scenario
Component: Scenarios 36/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

27 ­ Entry with initiator name = empty (min. 5 in the last 5 days)

Header data:
No.: 27 Editor: optimus8 Edited: 14/09/17, 17:28
Status: Inactive Auditor: Audit date:
Basis: Transaction+segment+risk Start: 09/10/02
Check level: End: 09/10/10
Issue: Score: 5
Comment: Creation/installation

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 1 ­ All customers

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Number Customer >= 5

Check [independent Business type
of new transactions] Account

Threshold comment:
Creation/installation

Threshold criteria:
Comparison Object Operator Start End

Name of contra account holder = ''

Age of the transaction (days) <= 5

Siron syntax for threshold:

CONTRA_NAME = '' AND TR_AGE <= 5
Find Scenario
Component: Scenarios 37/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

28 ­ Early loan repayment, large amount

Header data:
No.: 28 Editor: optimus8 Edited: 14/09/17, 17:28
Status: Inactive Auditor: Audit date:
Basis: Transaction+segment+risk Start: 09/10/02
Check level: End: 09/10/10
Issue: Score: 10
Comment: Creation/installation

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 1 ­ All customers

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type
Account

Threshold comment:
Creation/installation

Threshold criteria:
Comparison Object Operator Start End

Entry date before end of term of the account = 'Y'

(Y/N)
Business/account type ('Account' base, e.g. = 'DL'
KK, TG,)
Amount (EUR) >= 15000

Siron syntax for threshold:

ENTRYDATE_PRIOR_TERMYN = 'Y' AND BUSINESSTYPE = 'DL' AND
AMOUNT >= 15000
Find Scenario
Component: Scenarios 38/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

29 ­ Loan repayment in cash, large amount in foreign currency

Header data:
No.: 29 Editor: optimus8 Edited: 14/09/17, 17:28
Status: Inactive Auditor: Audit date:
Basis: Transaction+segment+risk Start: 09/10/02
Check level: End: 09/10/10
Issue: Score: 10
Comment: Creation/installation

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 1 ­ All customers

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type
Account

Threshold comment:
Creation/installation

Threshold criteria:
Comparison Object Operator Start End

Amount (EUR) >= 15000

Business/account type ('Account' base, e.g. = 'DL'
KK, TG,)
Cash flag (Y/N) unequal 'N'
Currency unequal 'EUR'

Siron syntax for threshold:

AMOUNT >= 15000 AND BUSINESSTYPE = 'DL' AND CSHYN NE 'N' AND
FK_CURRENCY NE 'EUR'
Find Scenario
Component: Scenarios 39/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

30 ­ Large loan amount and short repayment period (short amortization period)

Header data:
No.: 30 Editor: optimus8 Edited: 14/09/17, 17:28
Status: Inactive Auditor: Audit date:
Basis: Account+segment+risk Start: 09/10/02
Check level: End: 09/10/10
Issue: Score: 10
Comment: Creation/installation

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 1 ­ All customers

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type

Threshold comment:
Creation/installation

Threshold criteria:
Comparison Object Operator Start End

Business/account type ('Account' base, e.g. = 'DL'

KK, TG,)
Term (difference between account opening <= 360
and closing in days)
Account balance (EUR) <= ­100000
>= 100000

Siron syntax for threshold:

BUSINESSTYPE = 'DL' AND TERM <= 360 AND ACCBALANCE <= ­100000, >=
100000
Find Scenario
Component: Scenarios 40/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

31 ­ Short­term current account

Header data:
No.: 31 Editor: optimus8 Edited: 14/09/17, 17:28
Status: Inactive Auditor: Audit date:
Basis: Account+segment+risk Start: 09/10/02
Check level: End: 09/10/10
Issue: Score: 5
Comment: Creation/installation

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 1 ­ All customers

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type

Threshold comment:
Creation/installation

Threshold criteria:
Comparison Object Operator Start End

Business/account type ('Account' base, e.g. = 'KK'

KK, TG,)
Term (difference between account opening <= 5
and closing in days)

Siron syntax for threshold:

BUSINESSTYPE = 'KK' AND TERM <= 5
Find Scenario
Component: Scenarios 41/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

32 ­ Large number of visits to different branch offices in the last 30 days

Header data:
No.: 32 Editor: optimus8 Edited: 14/09/17, 17:28
Status: Inactive Auditor: Audit date:
Basis: Account profile+segment+risk Start: 09/10/02
Check level: Customer End: 09/10/10
Issue: Score: 5
Comment: Creation/installation

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 1 ­ All customers

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Creation/installation

Threshold criteria:
Comparison Object Operator Start End

Number ­ visited branch offices (period ­ >= 5

transaction settings, max. 100)

Siron syntax for threshold:

NUM_BRANCH >= 5

33 ­ Account Closure (New Scenario from Annual Scenario Review 2022)

Header data:
No.: 33 Editor: optimus28 Edited: 02/12/22, 13:44
Status: Active Auditor: optimus8 Audit date: 02/12/22, 13:52

Basis: Transaction+segment+risk Start: 27/04/22

Check level: End:
Issue: Score: 10
Comment: a.Base: account level
Find Scenario
Component: Scenarios 42/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None
b.Applicable to all CASA product
c.Exclude:
­ Interest
­ Administration fees
­ Time deposit redemption
­ Internal transfer (e.g Jenius Transaction)
­ Sub Account Jenius (EK,EH,EI,EJ,EL,EM,EN,IH,II,IJ,IK,IL,IM,IN,IO)
­ Loan Transaction
­ All accounts from ex­SMBCI (Branch Code 0800)
d.If one of two conditions are met, then generate alert:
Condition 1 ­>
­ Account is closed within 3 months after account opening date (Jika ditutup dalam waktu 3 bulan)
OR
Condition 2 ­>
­ Within 10 days prior to account closure date, there is incoming transaction totaling to minimum of X
X is defined as:
oNon­individual (Entity): Total incoming transaction >= IDR 500 million
oIndividual: Total incoming transaction >= IDR 100 million
cek H­10 sampai closed date incoming amount

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 53 ­ INDIVIDUAL_NEW

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type
Account

Threshold comment:
If one of two conditions are met, then generate alert:
Condition 1 ­>
­ Account is closed within 3 months after account opening date (Jika ditutup dalam waktu 3 bulan)
OR
Condition 2 ­>
­ Within 10 days prior to account closure date, there is incoming transaction totaling to minimum of X
X is defined as:
oNon­individual (Entity): Total incoming transaction >= IDR 500 million
oIndividual: Total incoming transaction >= IDR 100 million

Siron syntax for threshold:

NUM_DAYS_ACC_OPEN = TERM AND
(BUSINESSTYPE ='E7',='E8',='E9',='EA',
='EB',='EC',='ED',='EG',='EH',='EI',='IG',='II',
='EP',='ES',='EU',='EX',='EY',='P0',='P1',='P2',
='P3',='P4',='P6',='P8',='P9',='PF',='PI',='PK',
='PL',='PM',='PR',='W1',='W3',='W6',='WA',
='E4',='E3',='EF',='EZ',='E6',='E1',='E5',='ER',='E0',
='CC',='CE',='CG',='CY',='CZ',='CA',='CQ',='CS',='CT',
Find Scenario
Component: Scenarios 43/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

='CW',='CX',='CD',='CV',='CN',='CU',='C1')
AND (TERM <= 90 OR V0001_SUM_SAVACC_CRED_10D >= 100000000)

Threshold for 54 ­ ENTITY_NEW

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type
Account

Threshold comment:
If one of two conditions are met, then generate alert:
Condition 1 ­>
­ Account is closed within 3 months after account opening date (Jika ditutup dalam waktu 3 bulan)
OR
Condition 2 ­>
­ Within 10 days prior to account closure date, there is incoming transaction totaling to minimum of X
X is defined as:
oNon­individual (Entity): Total incoming transaction >= IDR 500 million
oIndividual: Total incoming transaction >= IDR 100 million

Siron syntax for threshold:

NUM_DAYS_ACC_OPEN = TERM AND
(BUSINESSTYPE ='E7',='E8',='E9',='EA',
='EB',='EC',='ED',='EG',='EH',='EI',='IG',='II',
='EP',='ES',='EU',='EX',='EY',='P0',='P1',='P2',
='P3',='P4',='P6',='P8',='P9',='PF',='PI',='PK',
='PL',='PM',='PR',='W1',='W3',='W6',='WA',
='E4',='E3',='EF',='EZ',='E6',='E1',='E5',='ER',='E0',
='CC',='CE',='CG',='CY',='CZ',='CA',='CQ',='CS',='CT',
='CW',='CX',='CD',='CV',='CN',='CU',='C1')
AND (TERM <= 90 OR V0001_SUM_SAVACC_CRED_10D >= 500000000)

34 ­ Account Closure ­ Part 2 (Incoming and Close)

Header data:
No.: 34 Editor: optimus28 Edited: 22/11/22, 19:49
Status: Active Auditor: optimus8 Audit date: 22/11/22, 19:50
Basis: Transaction+segment+risk Start: 27/04/22
Check level: End:
Issue: Score: 10
Comment: a.Base: account level
b.Applicable to all CASA product
c.Exclude:
­ Interest
­ Administration fees
­ Time deposit redemption
­ Internal transfer (e.g Jenius Transaction)
­ Sub Account Jenius (EK,EH,EI,EJ,EL,EM,EN,IH,II,IJ,IK,IL,IM,IN,IO)
­ Loan Transaction
­ All accounts from ex­SMBCI (Branch Code 0800)
Find Scenario
Component: Scenarios 44/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None
d.If one of two conditions are met, then generate alert:
Condition 1 ­>
­ Account is closed within 3 months after account opening date (Jika ditutup dalam waktu 3 bulan)
OR
Condition 2 ­>
­ Within 10 days prior to account closure date, there is incoming transaction totaling to minimum of X
X is defined as:
oNon­individual (Entity): Total incoming transaction >= IDR 500 million
oIndividual: Total incoming transaction >= IDR 100 million
cek H­10 sampai closed date incoming amount

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 53 ­ INDIVIDUAL_NEW

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type
Account

Threshold comment:
If one of two conditions are met, then generate alert:
Condition 1 ­>
­ Account is closed within 3 months after account opening date (Jika ditutup dalam waktu 3 bulan)
OR
Condition 2 ­>
­ Within 10 days prior to account closure date, there is incoming transaction totaling to minimum of X
X is defined as:
oNon­individual (Entity): Total incoming transaction >= IDR 500 million
oIndividual: Total incoming transaction >= IDR 100 million

Siron syntax for threshold:

(V0001_SAVE_ACC = 'Y' OR V0001_CURR_ACC = 'Y')
AND BUSINESSTYPE NE 'EH', NE 'EI', NE 'EJ', NE 'EK',
NE 'IH', NE 'II', NE 'IJ', NE 'IK'
AND NUM_DAYS_ACC_OPEN = TERM AND
V0001_SUM_SAVACC_CRED_10D >= 100000000

Threshold for 54 ­ ENTITY_NEW

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type
Account
Find Scenario
Component: Scenarios 45/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold comment:
If one of two conditions are met, then generate alert:
Condition 1 ­>
­ Account is closed within 3 months after account opening date (Jika ditutup dalam waktu 3 bulan)
OR
Condition 2 ­>
­ Within 10 days prior to account closure date, there is incoming transaction totaling to minimum of X
X is defined as:
oNon­individual (Entity): Total incoming transaction >= IDR 500 million
oIndividual: Total incoming transaction >= IDR 100 million

Siron syntax for threshold:

(V0001_SAVE_ACC = 'Y' OR V0001_CURR_ACC = 'Y')
AND BUSINESSTYPE NE 'EH', NE 'EI', NE 'EJ', NE 'EK',
NE 'IH', NE 'II', NE 'IJ', NE 'IK'
AND NUM_DAYS_ACC_OPEN = TERM AND
V0001_SUM_SAVACC_CRED_10D >= 500000000

36 ­ Collective account cash deposits into the same recipient account (e.g.
abroad)

Header data:
No.: 36 Editor: optimus8 Edited: 14/09/17, 17:29
Status: Inactive Auditor: Audit date:
Basis: Transaction+segment+risk Start: 09/12/02
Check level: End: 09/10/10
Issue: Score: 10
Comment: Creation/installation

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 6 ­ Foreign self­employed private person, no affiliation

customer
category Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Number Customer >= 10

Check [independent Business type
of new transactions] Account

Threshold comment:
Creation/installation
Find Scenario
Component: Scenarios 46/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold criteria:
Comparison Object Operator Start End

BIC of contra account = '12345678'

Contra account no. = '987654321'
Country of contra account (ISO) unequal 'DE'

Siron syntax for threshold:

CONTRA_BIC = '12345678' AND CONTRA_ACCNO = '987654321' AND
CONTRA_COUNTRY NE
'DE'

40 ­ High frequency of incoming transaction outside of the customer's normal

profile

Header data:
No.: 40 Editor: optimus28 Edited: 15/11/22, 08:19
Status: Active Auditor: optimus8 Audit date: 15/11/22, 08:48
Basis: Account profile+segment+risk Start: 24/04/22
Check level: Customer End:
Issue: Score: 10
Comment: a. Base: account level
b. Applicable to all CASA products
c. Exclude:
­ Walk­in Customer (WIC)
­ All accounts from ex­SMBCI (Branch Code 0800)
­ Interest
­ Administration fees
­ Time deposit redemption
­ Internal Jenius transfer made by same CRN
d. Generate alert if below conditions are met:
INDIVIDUAL
Condition 1
­ Frequency of incoming transaction >= 30 times in current month, AND
­ Frequency of incoming transaction >= 2 times from average of the last 3 months, AND
­ Each incoming transaction amount >= IDR 1 million, AND
­ Total incoming transaction amount >= IDR 100 million in current month
OR
Condition 2
­ Frequency of incoming transaction >= 90 times, AND
­ Each incoming transaction amount >= IDR 1 million, AND
­ Total incoming transaction amount >= IDR 100 million in current month

NON INDIVIDUAL
Condition 1
­ Frequency of incoming transaction >= 30 times in current month, AND
­ Frequency of incoming transaction >= 2 times from average of the last 3 months, AND
­ Each incoming transaction amount >= IDR 10 million, AND
­ Total incoming transaction amount >= IDR 500 million in current month
OR
Condition 2
­ Frequency of incoming transaction >= 90 times, AND
­ Each incoming transaction amount >= IDR 10 million, AND
­ Total incoming transaction amount >= IDR 500 million in current month
Find Scenario
Component: Scenarios 47/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 53 ­ INDIVIDUAL_NEW

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
a. Base: account level
b. Applicable to all CASA products
c. Exclude:
­ Walk­in Customer (WIC)
­ All accounts from ex­SMBCI (Branch Code 0800)
­ Interest
­ Administration fees
­ Time deposit redemption
­ Internal Jenius transfer made by same CRN
d. Generate alert if below conditions are met:
INDIVIDUAL
Condition 1
­ Frequency of incoming transaction >= 30 times in current month, AND
­ Frequency of incoming transaction >= 2 times from average of the last 3 months, AND
­ Each incoming transaction amount >= IDR 1 million, AND
­ Total incoming transaction amount >= IDR 100 million in current month
OR
Condition 2
­ Frequency of incoming transaction >= 90 times, AND
­ Each incoming transaction amount >= IDR 1 million, AND
­ Total incoming transaction amount >= IDR 100 million in current month

NON INDIVIDUAL
Condition 1
­ Frequency of incoming transaction >= 30 times in current month, AND
­ Frequency of incoming transaction >= 2 times from average of the last 3 months, AND
­ Each incoming transaction amount >= IDR 10 million, AND
­ Total incoming transaction amount >= IDR 500 million in current month
OR
Condition 2
­ Frequency of incoming transaction >= 90 times, AND
­ Each incoming transaction amount >= IDR 10 million, AND
­ Total incoming transaction amount >= IDR 500 million in current month

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
((MON_NUM_FOR_TUP03(12) >=30 AND MON_MIN_FOR_TUP03(12)>=1000000 AND
MON_SUM_FOR_TUP03(12)>=100000000 AND
MON_NUM_FOR_TUP03(12) >= 2*AVE MON_NUM_FOR_TUP03(9..11)) OR
Find Scenario
Component: Scenarios 48/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

(MON_NUM_FOR_TUP03(12) >=90 AND MON_MIN_FOR_TUP03(12)>=1000000 AND

MON_SUM_FOR_TUP03(12)>=100000000))

Threshold for 54 ­ ENTITY_NEW

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
a. Base: account level
b. Applicable to all CASA products
c. Exclude:
­ Walk­in Customer (WIC)
­ All accounts from ex­SMBCI (Branch Code 0800)
­ Interest
­ Administration fees
­ Time deposit redemption
­ Internal Jenius transfer made by same CRN
d. Generate alert if below conditions are met:
INDIVIDUAL
Condition 1
­ Frequency of incoming transaction >= 30 times in current month, AND
­ Frequency of incoming transaction >= 2 times from average of the last 3 months, AND
­ Each incoming transaction amount >= IDR 1 million, AND
­ Total incoming transaction amount >= IDR 100 million in current month
OR
Condition 2
­ Frequency of incoming transaction >= 90 times, AND
­ Each incoming transaction amount >= IDR 1 million, AND
­ Total incoming transaction amount >= IDR 100 million in current month

NON INDIVIDUAL
Condition 1
­ Frequency of incoming transaction >= 30 times in current month, AND
­ Frequency of incoming transaction >= 2 times from average of the last 3 months, AND
­ Each incoming transaction amount >= IDR 10 million, AND
­ Total incoming transaction amount >= IDR 500 million in current month
OR
Condition 2
­ Frequency of incoming transaction >= 90 times, AND
­ Each incoming transaction amount >= IDR 10 million, AND
­ Total incoming transaction amount >= IDR 500 million in current month

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
((MON_NUM_FOR_TUP03(12) >=30 AND MON_MIN_FOR_TUP03(12)>=10000000 AND
MON_SUM_FOR_TUP03(12)>=500000000 AND
MON_NUM_FOR_TUP03(12) >= 2*AVE MON_NUM_FOR_TUP03(9..11)) OR
(MON_NUM_FOR_TUP03(12) >=90 AND MON_MIN_FOR_TUP03(12)>=10000000 AND
MON_SUM_FOR_TUP03(12)>=500000000))
Find Scenario
Component: Scenarios 49/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

43 ­ Multiple deposits followed by multiple withdrawals

Header data:
No.: 43 Editor: optimus28 Edited: 18/05/22, 13:45
Status: Active Auditor: optimus8 Audit date: 18/05/22, 13:51
Basis: Transaction+segment+risk Start: 24/04/22
Check level: End:
Issue: Score: 10
Comment: a. Base: account level
b. Applicable to all CASA products
c. Exclude:
­ Walk­in Customer (WIC)
­ All accounts from ex­SMBCI (Branch Code 0800)
­ Interest
­ Administration fees
­ Time deposit redemption
­ Internal transfer made by same CRN
d. Total incoming transaction amount >= X, AND total outgoing transaction amount >= 90% of total
incoming transaction amount on the same day
X is defined as:
Individual: X >= IDR 10 million
Non­individual: X>= IDR 100 million
AND
e. There are 15 occurences within the last 30 days (e.g., if scoring date is March 29, check the last
30 days data prior to scoring date ­> Feb 27 – March 29)

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 53 ­ INDIVIDUAL_NEW

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type
Account

Threshold comment:
a. Base: account level
b. Applicable to all CASA products
c. Exclude:
­ Walk­in Customer (WIC)
­ All accounts from ex­SMBCI (Branch Code 0800)
­ Interest
­ Administration fees
­ Time deposit redemption
­ Internal transfer made by same CRN
d. Total incoming transaction amount >= X, AND total outgoing transaction amount >= 90% of total
incoming transaction amount on the same day
Find Scenario
Component: Scenarios 50/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

X is defined as:
Individual: X >= IDR 10 million
Non­individual: X>= IDR 100 million
AND
e. There are 15 occurences within the last 30 days (e.g., if scoring date is March 29, check the last
30 days data prior to scoring date ­> Feb 27 – March 29)

Siron syntax for threshold:

v0001_SUM_SAVACC_CRED_1D >= 10000000 AND
v0001_SUM_SAVACC_DEB_1D >= 0.9*v0001_SUM_SAVACC_CRED_1D
AND v0001_NUM_DAYS_PASSTHRGH >= 15

Threshold for 54 ­ ENTITY_NEW

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type
Account

Threshold comment:
a. Base: account level
b. Applicable to all CASA products
c. Exclude:
­ Walk­in Customer (WIC)
­ All accounts from ex­SMBCI (Branch Code 0800)
­ Interest
­ Administration fees
­ Time deposit redemption
­ Internal transfer made by same CRN
d. Total incoming transaction amount >= X, AND total outgoing transaction amount >= 90% of total
incoming transaction amount on the same day
X is defined as:
Individual: X >= IDR 10 million
Non­individual: X>= IDR 100 million
AND
e. There are 15 occurences within the last 30 days (e.g., if scoring date is March 29, check the last
30 days data prior to scoring date ­> Feb 27 – March 29)

Siron syntax for threshold:

v0001_SUM_SAVACC_CRED_1D >= 100000000 AND
v0001_SUM_SAVACC_DEB_1D >= 0.9*v0001_SUM_SAVACC_CRED_1D
AND v0001_NUM_DAYS_PASSTHRGH_NONIND >= 15
Find Scenario
Component: Scenarios 51/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

44 ­ Account Closure ­ 1

Header data:
No.: 44 Editor: optimus8 Edited: 24/10/22, 21:46
Status: Inactive Auditor: optimus28 Audit date: 24/10/22, 21:48
Basis: Transaction+segment+risk Start: 14/09/17
Check level: End: 23/10/22
Issue: Score: 0
Comment: Account closed within three days after a large withdrawal or outgoing in the amount of at least X amount.

Before which, within ClosedDate­10 to ClosedDate­3 there is a large incoming transaction at least X
amount.
Individual: 500 million IDR (minimum)
Entity : 1 billion IDR (minimum)

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 21 ­ Individual

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type
Account

Threshold comment:
Account closed within three days after a large withdrawal or outgoing in the amount of at least X amount.

Before which, within ClosedDate­10 to ClosedDate­3 there is a large incoming transaction at least X
amount.
Individual: 500 million IDR (minimum)
Entity : 1 billion IDR (minimum)

Siron syntax for threshold:

NUM_DAYS_ACC_OPEN = TERM AND
(v0001_SAVE_ACC = 'Y' OR v0001_CURR_ACC = 'Y') AND
AMOUNT <= ­500000000 AND TR_AGE < 3 AND v0001_EXCL_TRAN NE 'Y'
AND v0001_EXCL_TRAN_BRANCH NE 'Y'
Find Scenario
Component: Scenarios 52/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold for 29 ­ Entity

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type
Account

Threshold comment:
Account closed within three days after a large withdrawal or outgoing in the amount of at least X amount.

Before which, within ClosedDate­10 to ClosedDate­3 there is a large incoming transaction at least X
amount.
Individual: 500 million IDR (minimum)
Entity : 1 billion IDR (minimum)

Siron syntax for threshold:

NUM_DAYS_ACC_OPEN = TERM AND
(v0001_SAVE_ACC = 'Y' OR v0001_CURR_ACC = 'Y') AND
AMOUNT<= ­1000000000 AND TR_AGE < 3
AND v0001_EXCL_TRAN NE 'Y' AND v0001_EXCL_TRAN_BRANCH NE 'Y'

45 ­ Account Closure ­ 2

Header data:
No.: 45 Editor: optimus8 Edited: 24/10/22, 21:46
Status: Inactive Auditor: optimus28 Audit date: 24/10/22, 21:48

Basis: Transaction+segment+risk Start: 14/09/17

Check level: End: 23/10/22
Issue: Score: 0
Comment: Account closed within three days after a large withdrawal or outgoing in the amount of at least X amount.

Before which, within ClosedDate­10 to ClosedDate­3 there is a large incoming transaction at least X
amount.
Individual: 500 million IDR (minimum)
Entity : 1 billion IDR (minimum)

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:
Find Scenario
Component: Scenarios 53/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold for 21 ­ Individual

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type
Account

Threshold comment:
Account closed within three days after a large withdrawal or outgoing in the amount of at least X amount.

Before which, within ClosedDate­10 to ClosedDate­3 there is a large incoming transaction at least X
amount.
Individual: 500 million IDR (minimum)
Entity : 1 billion IDR (minimum)

Siron syntax for threshold:

NUM_DAYS_ACC_OPEN = TERM AND
(v0001_SAVE_ACC = 'Y' OR v0001_CURR_ACC = 'Y')
AND AMOUNT
>= 500000000 AND TR_AGE = 2 TO 9
AND v0001_EXCL_TRAN NE 'Y'
AND v0001_EXCL_TRAN_BRANCH NE 'Y'

Threshold for 29 ­ Entity

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type
Account

Threshold comment:
Account closed within three days after a large withdrawal or outgoing in the amount of at least X amount.

Before which, within ClosedDate­10 to ClosedDate­3 there is a large incoming transaction at least X
amount.
Individual: 500 million IDR (minimum)
Entity : 1 billion IDR (minimum)

Siron syntax for threshold:

NUM_DAYS_ACC_OPEN = TERM AND
(v0001_SAVE_ACC = 'Y' OR v0001_CURR_ACC = 'Y') AND
AMOUNT
>= 1000000000 AND TR_AGE = 2 TO 9 AND v0001_EXCL_TRAN NE 'Y'
AND v0001_EXCL_TRAN_BRANCH NE 'Y'
Find Scenario
Component: Scenarios 54/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

46 ­ Bypass cash transaction ­ 1

Header data:
No.: 46 Editor: 19056494 Edited: 21/07/21, 16:56
Status: Inactive Auditor: 16053040 Audit date: 21/07/21, 20:19
Basis: Transaction+segment+risk Start: 14/09/17
Check level: End: 21/07/21
Issue: Score: 0
Comment: Amount of cash deposit at least X & cash withdrawal at least X within a day, except time deposit
redemption.

X refer to threshold
Individual: 500 million IDR (minimum)
Entity : 1 billion IDR (minimum)

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 21 ­ Individual

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 500000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Amount of cash deposit at least X & cash withdrawal at least X within a day, except time deposit
redemption.

X refer to threshold
Individual: 500 million IDR (minimum)
Entity : 1 billion IDR (minimum)

Siron syntax for threshold:

(v0001_SAVE_ACC = 'Y' OR v0001_CURR_ACC = 'Y') AND
AMOUNT < 0 AND TR_AGE < 1 AND CSHYN
= 'Y' AND v0001_EXCL_TRAN NE 'Y' AND v0001_EXCL_TRAN_BRANCH NE 'Y'
Find Scenario
Component: Scenarios 55/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold for 29 ­ Entity

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 1000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Amount of cash deposit at least X & cash withdrawal at least X within a day, except time deposit
redemption.

X refer to threshold
Individual: 500 million IDR (minimum)
Entity : 1 billion IDR (minimum)

Siron syntax for threshold:

(v0001_SAVE_ACC = 'Y' OR v0001_CURR_ACC = 'Y') AND
AMOUNT < 0 AND TR_AGE < 1 AND CSHYN
= 'Y' AND v0001_EXCL_TRAN NE 'Y' AND v0001_EXCL_TRAN_BRANCH NE 'Y'

47 ­ Bypass cash transaction ­ 2

Header data:
No.: 47 Editor: 19056494 Edited: 21/07/21, 16:57
Status: Inactive Auditor: 16053040 Audit date: 21/07/21, 20:19

Basis: Transaction+segment+risk Start: 14/09/17

Check level: End: 21/07/21
Issue: Score: 0
Comment: Amount of cash deposit at least X & cash withdrawal at least X within a day, except time deposit
redemption.

X refer to threshold
Individual: 500 million IDR (minimum)
Entity : 1 billion IDR (minimum)

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:
Find Scenario
Component: Scenarios 56/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold for 21 ­ Individual

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 500000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Amount of cash deposit at least X & cash withdrawal at least X within a day, except time deposit
redemption.

X refer to threshold
Individual: 500 million IDR (minimum)
Entity : 1 billion IDR (minimum)

Siron syntax for threshold:

(v0001_SAVE_ACC = 'Y' OR v0001_CURR_ACC = 'Y') AND
AMOUNT > 0 AND TR_AGE < 1 AND CSHYN
= 'Y' AND v0001_EXCL_TRAN NE 'Y' AND v0001_EXCL_TRAN_BRANCH NE 'Y'

Threshold for 29 ­ Entity

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 1000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Amount of cash deposit at least X & cash withdrawal at least X within a day, except time deposit
redemption.

X refer to threshold
Individual: 500 million IDR (minimum)
Entity : 1 billion IDR (minimum)

Siron syntax for threshold:

(v0001_SAVE_ACC = 'Y' OR v0001_CURR_ACC = 'Y') AND
AMOUNT > 0
AND TR_AGE < 1 AND CSHYN
= 'Y' AND v0001_EXCL_TRAN NE 'Y' AND v0001_EXCL_TRAN_BRANCH NE 'Y'
Find Scenario
Component: Scenarios 57/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

48 ­ Bypass non­cash transaction

Header data:
No.: 48 Editor: 19056494 Edited: 21/07/21, 16:57
Status: Inactive Auditor: 16053040 Audit date: 21/07/21, 20:19
Basis: Transaction+segment+risk Start: 14/09/17
Check level: End: 21/07/21
Issue: Score: 10
Comment: Amount of non cash deposit at least X & non cash withdrawal 90% ­ 110% of X within a day, except time
deposit redemption.

X refers to threshold
Individual: 500 million IDR (minimum)
Entity : 1 billion IDR (minimum)

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 21 ­ Individual

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type
Account

Threshold comment:
Amount of non cash deposit at least X & non cash withdrawal 90% ­ 110% of X within a day, except time
deposit redemption.

X refers to threshold
Individual: 500 million IDR (minimum)
Entity : 1 billion IDR (minimum)

Siron syntax for threshold:

(v0001_SAVE_ACC = 'Y' OR v0001_CURR_ACC = 'Y') AND
v0001_SUM_CRED_NCSH_1D >= 500000000 AND
v0001_SUM_DEB_NCSH_1D =
0.9*v0001_SUM_CRED_NCSH_1D to 1.1*v0001_SUM_CRED_NCSH_1D
AND v0001_EXCL_TRAN_BRANCH NE 'Y'
Find Scenario
Component: Scenarios 58/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold for 29 ­ Entity

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type
Account

Threshold comment:
Amount of non cash deposit at least X & non cash withdrawal 90% ­ 110% of X within a day, except time
deposit redemption.

X refers to threshold
Individual: 500 million IDR (minimum)
Entity : 1 billion IDR (minimum)

Siron syntax for threshold:

(v0001_SAVE_ACC = 'Y' OR v0001_CURR_ACC = 'Y') AND
v0001_SUM_CRED_NCSH_1D >= 1000000000 AND
v0001_SUM_DEB_NCSH_1D =
0.9*v0001_SUM_CRED_NCSH_1D to 1.1*v0001_SUM_CRED_NCSH_1D
AND v0001_EXCL_TRAN_BRANCH NE 'Y'

49 ­ Cash Deposit Transaction Smurfing ­ Monthly

Header data:
No.: 49 Editor: 19056494 Edited: 21/07/21, 16:57
Status: Inactive Auditor: 16053040 Audit date: 21/07/21, 20:19
Basis: Account profile+segment+risk Start: 14/09/17
Check level: Customer End: 21/07/21
Issue: Score: 10
Comment: Total frequency of daily cash deposit in current month is twice or more than avg frequency of transactions
in last 3 months.
Condition applied :
* Minimum frequency of transactions in current month = 6 times
* Minimum amount of total amount of transaction = subject to each group below:
1. Individual ­ Employee: IDR 200 mio
2. Individual ­ Entrepreneurs: IDR 500 mio
3. Individual ­ No Income: IDR 100 mio
4. Entity ­ High Risk: IDR 1 bio
5. Entity ­ Non High Risk: IDR 3 bio
* Excluding : Interest and Fees

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:
Find Scenario
Component: Scenarios 59/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold for 38 ­ Entity ­ High Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Total frequency of daily cash deposit in current month is twice or more than avg frequency of transactions in
last 3 months.
Condition applied :
* Minimum frequency of transactions in current month = 6 times
* Minimum amount of total amount of transaction = subject to each group below:
1. Individual ­ Employee: IDR 200 mio
2. Individual ­ Entrepreneurs: IDR 500 mio
3. Individual ­ No Income: IDR 100 mio
4. Entity ­ High Risk: IDR 1 bio
5. Entity ­ Non High Risk: IDR 3 bio
* Excluding : Interest and Fees

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
MON_ST_NUM_02(13) + MON_ST_NUM_06(13) >= 6 AND
MON_ST_NUM_02(13) + MON_ST_NUM_06(13) >=
2*(SUM MON_ST_NUM_02(10..12) + SUM MON_ST_NUM_06(10..12))/3
AND MON_ST_AMOUNT_02(13) + MON_ST_AMOUNT_06(13) >= 1000000000
AND ACC_SPH_03 NE '0800'

Threshold for 39 ­ Entity ­ Medium Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Total frequency of daily cash deposit in current month is twice or more than avg frequency of transactions in
last 3 months.
Condition applied :
* Minimum frequency of transactions in current month = 6 times
* Minimum amount of total amount of transaction = subject to each group below:
1. Individual ­ Employee: IDR 200 mio
2. Individual ­ Entrepreneurs: IDR 500 mio
3. Individual ­ No Income: IDR 100 mio
4. Entity ­ High Risk: IDR 1 bio
5. Entity ­ Non High Risk: IDR 3 bio
* Excluding : Interest and Fees
Find Scenario
Component: Scenarios 60/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
MON_ST_NUM_02(13) + MON_ST_NUM_06(13) >= 6 AND
MON_ST_NUM_02(13) + MON_ST_NUM_06(13) >=
2*(SUM MON_ST_NUM_02(10..12) + SUM MON_ST_NUM_06(10..12))/3
AND MON_ST_AMOUNT_02(13) + MON_ST_AMOUNT_06(13) >= 3000000000
AND ACC_SPH_03 NE '0800'

Threshold for 40 ­ Entity ­ Low Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Total frequency of daily cash deposit in current month is twice or more than avg frequency of transactions in
last 3 months.
Condition applied :
* Minimum frequency of transactions in current month = 6 times
* Minimum amount of total amount of transaction = subject to each group below:
1. Individual ­ Employee: IDR 200 mio
2. Individual ­ Entrepreneurs: IDR 500 mio
3. Individual ­ No Income: IDR 100 mio
4. Entity ­ High Risk: IDR 1 bio
5. Entity ­ Non High Risk: IDR 3 bio
* Excluding : Interest and Fees

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
MON_ST_NUM_02(13) + MON_ST_NUM_06(13) >= 6 AND
MON_ST_NUM_02(13) + MON_ST_NUM_06(13) >=
2*(SUM MON_ST_NUM_02(10..12) + SUM MON_ST_NUM_06(10..12))/3
AND MON_ST_AMOUNT_02(13) + MON_ST_AMOUNT_06(13) >= 3000000000
AND ACC_SPH_03 NE '0800'

Threshold for 50 ­ Individual ­ Employee

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Find Scenario
Component: Scenarios 61/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold comment:
Total frequency of daily cash deposit in current month is twice or more than avg frequency of transactions in
last 3 months.
Condition applied :
* Minimum frequency of transactions in current month = 6 times
* Minimum amount of total amount of transaction = subject to each group below:
1. Individual ­ Employee: IDR 200 mio
2. Individual ­ Entrepreneurs: IDR 500 mio
3. Individual ­ No Income: IDR 100 mio
4. Entity ­ High Risk: IDR 1 bio
5. Entity ­ Non High Risk: IDR 3 bio
* Excluding : Interest and Fees

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
MON_ST_NUM_02(13) + MON_ST_NUM_06(13) >= 6 AND
MON_ST_NUM_02(13) + MON_ST_NUM_06(13) >=
2*(SUM MON_ST_NUM_02(10..12) + SUM MON_ST_NUM_06(10..12))/3
AND MON_ST_AMOUNT_02(13) + MON_ST_AMOUNT_06(13) >= 200000000
AND ACC_SPH_03 NE '0800'

Threshold for 51 ­ Individual ­ Entrepreneur

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Total frequency of daily cash deposit in current month is twice or more than avg frequency of transactions in
last 3 months.
Condition applied :
* Minimum frequency of transactions in current month = 6 times
* Minimum amount of total amount of transaction = subject to each group below:
1. Individual ­ Employee: IDR 200 mio
2. Individual ­ Entrepreneurs: IDR 500 mio
3. Individual ­ No Income: IDR 100 mio
4. Entity ­ High Risk: IDR 1 bio
5. Entity ­ Non High Risk: IDR 3 bio
* Excluding : Interest and Fees

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
MON_ST_NUM_02(13) + MON_ST_NUM_06(13) >= 6 AND
MON_ST_NUM_02(13) + MON_ST_NUM_06(13) >=
2*(SUM MON_ST_NUM_02(10..12) + SUM MON_ST_NUM_06(10..12))/3
AND MON_ST_AMOUNT_02(13) + MON_ST_AMOUNT_06(13) >= 500000000
AND ACC_SPH_03 NE '0800'
Find Scenario
Component: Scenarios 62/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold for 52 ­ Individual ­ No Income

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Total frequency of daily cash deposit in current month is twice or more than avg frequency of transactions in
last 3 months.
Condition applied :
* Minimum frequency of transactions in current month = 6 times
* Minimum amount of total amount of transaction = subject to each group below:
1. Individual ­ Employee: IDR 200 mio
2. Individual ­ Entrepreneurs: IDR 500 mio
3. Individual ­ No Income: IDR 100 mio
4. Entity ­ High Risk: IDR 1 bio
5. Entity ­ Non High Risk: IDR 3 bio
* Excluding : Interest and Fees

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
MON_ST_NUM_02(13) + MON_ST_NUM_06(13) >= 6 AND
MON_ST_NUM_02(13) + MON_ST_NUM_06(13) >=
2*(SUM MON_ST_NUM_02(10..12) + SUM MON_ST_NUM_06(10..12))/3
AND MON_ST_AMOUNT_02(13) + MON_ST_AMOUNT_06(13) >= 100000000
AND ACC_SPH_03 NE '0800'

50 ­ Cash Deposit Transaction Smurfing ­ Daily

Header data:
No.: 50 Editor: 19056494 Edited: 21/07/21, 16:58
Status: Inactive Auditor: 16053040 Audit date: 21/07/21, 20:19

Basis: Transaction+segment+risk Start: 14/09/17

Check level: End: 21/07/21
Issue: Score: 10
Comment: Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Find Scenario
Component: Scenarios 63/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 38 ­ Entity ­ High Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 5000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND CSHYN = 'Y' AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT > 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'

Threshold for 39 ­ Entity ­ Medium Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 10000000000

Check [independent Business type
of new transactions] Account
Find Scenario
Component: Scenarios 64/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND CSHYN = 'Y' AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT > 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'

Threshold for 40 ­ Entity ­ Low Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 10000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND CSHYN = 'Y' AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
Find Scenario
Component: Scenarios 65/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

AND AMOUNT > 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'

Threshold for 41 ­ Individual ­ Employee ­ High Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 500000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND CSHYN = 'Y' AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT > 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'

Threshold for 42 ­ Individual ­ Employee ­ Medium Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 1000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio
Find Scenario
Component: Scenarios 66/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND CSHYN = 'Y' AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT > 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'

Threshold for 43 ­ Individual ­ Employee ­ Low Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 1000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND CSHYN = 'Y' AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT > 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'
Find Scenario
Component: Scenarios 67/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold for 44 ­ Individual ­ Entrepreneur ­ High Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 1000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND CSHYN = 'Y' AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT > 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'

Threshold for 45 ­ Individual ­ Entrepreneur ­ Medium Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 5000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio
Find Scenario
Component: Scenarios 68/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND CSHYN = 'Y' AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT > 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'

Threshold for 46 ­ Individual ­ Entrepreneur ­ Low Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 5000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND CSHYN = 'Y' AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT > 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'
Find Scenario
Component: Scenarios 69/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold for 52 ­ Individual ­ No Income

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 1000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND CSHYN = 'Y' AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT > 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'

51 ­ Cash Withdrawal Transaction Smurfing ­ Monthly

Header data:
No.: 51 Editor: 19056494 Edited: 21/07/21, 16:58
Status: Inactive Auditor: 16053040 Audit date: 21/07/21, 20:19

Basis: Account profile+segment+risk Start: 14/09/17

Check level: Customer End: 21/07/21
Issue: Score: 10
Comment: Total frequency of daily cash withdrawals in current month is twice or more than avg frequency of
transactions in last 3 months.
Condition applied :
* Minimum frequency of transactions in current month = 6 times
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee: IDR 200 mio
2. Individual ­ Entrepreneurs: IDR 500 mio
3. Individual ­ No Income: IDR 100 mio
4. Entity ­ High Risk: IDR 1 bio
5. Entity ­ Non High Risk: IDR 3 bio
* Excluding : Interest and Fees
Find Scenario
Component: Scenarios 70/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 38 ­ Entity ­ High Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Total frequency of daily cash withdrawals in current month is twice or more than avg frequency of
transactions in last 3 months.
Condition applied :
* Minimum frequency of transactions in current month = 6 times
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee: IDR 200 mio
2. Individual ­ Entrepreneurs: IDR 500 mio
3. Individual ­ No Income: IDR 100 mio
4. Entity ­ High Risk: IDR 1 bio
5. Entity ­ Non High Risk: IDR 3 bio
* Excluding : Interest and Fees

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
MON_ST_NUM_01(13) + MON_ST_NUM_05(13) >= 6 AND
MON_ST_NUM_01(13) + MON_ST_NUM_05(13) >=
2*(SUM MON_ST_NUM_01(10..12) + SUM MON_ST_NUM_05(10..12))/3
AND MON_ST_AMOUNT_01(13) + MON_ST_AMOUNT_05(13) >= 1000000000
AND ACC_SPH_03 NE '0800'

Threshold for 39 ­ Entity ­ Medium Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Total frequency of daily cash withdrawals in current month is twice or more than avg frequency of
transactions in last 3 months.
Condition applied :
* Minimum frequency of transactions in current month = 6 times
Find Scenario
Component: Scenarios 71/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

* Minimum amount of each transaction = subject to each group below:

1. Individual ­ Employee: IDR 200 mio
2. Individual ­ Entrepreneurs: IDR 500 mio
3. Individual ­ No Income: IDR 100 mio
4. Entity ­ High Risk: IDR 1 bio
5. Entity ­ Non High Risk: IDR 3 bio
* Excluding : Interest and Fees

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
MON_ST_NUM_01(13) + MON_ST_NUM_05(13) >= 6 AND
MON_ST_NUM_01(13) + MON_ST_NUM_05(13) >=
2*(SUM MON_ST_NUM_01(10..12) + SUM MON_ST_NUM_05(10..12))/3
AND MON_ST_AMOUNT_01(13) + MON_ST_AMOUNT_05(13) >= 3000000000
AND ACC_SPH_03 NE '0800'

Threshold for 40 ­ Entity ­ Low Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Total frequency of daily cash deposit in current month is twice or more than avg frequency of transactions in
last 3 months.
Condition applied :
* Minimum frequency of transactions in current month = 6 times
* Minimum amount of total amount of transaction = subject to each group below:
1. Individual ­ Employee: IDR 200 mio
2. Individual ­ Entrepreneurs: IDR 500 mio
3. Individual ­ No Income: IDR 100 mio
4. Entity ­ High Risk: IDR 1 bio
5. Entity ­ Non High Risk: IDR 3 bio
* Excluding : Interest and Fees

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
MON_ST_NUM_01(13) + MON_ST_NUM_05(13) >= 6 AND
MON_ST_NUM_01(13) + MON_ST_NUM_05(13) >=
2*(SUM MON_ST_NUM_01(10..12) + SUM MON_ST_NUM_05(10..12))/3
AND MON_ST_AMOUNT_01(13) + MON_ST_AMOUNT_05(13) >= 3000000000
AND ACC_SPH_03 NE '0800'
Find Scenario
Component: Scenarios 72/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold for 50 ­ Individual ­ Employee

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Total frequency of daily cash deposit in current month is twice or more than avg frequency of transactions in
last 3 months.
Condition applied :
* Minimum frequency of transactions in current month = 6 times
* Minimum amount of total amount of transaction = subject to each group below:
1. Individual ­ Employee: IDR 200 mio
2. Individual ­ Entrepreneurs: IDR 500 mio
3. Individual ­ No Income: IDR 100 mio
4. Entity ­ High Risk: IDR 1 bio
5. Entity ­ Non High Risk: IDR 3 bio
* Excluding : Interest and Fees

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
MON_ST_NUM_01(13) + MON_ST_NUM_05(13) >= 6 AND
MON_ST_NUM_01(13) + MON_ST_NUM_05(13) >=
2*(SUM MON_ST_NUM_01(10..12) + SUM MON_ST_NUM_05(10..12))/3
AND MON_ST_AMOUNT_01(13) + MON_ST_AMOUNT_05(13) >= 200000000
AND ACC_SPH_03 NE '0800'

Threshold for 51 ­ Individual ­ Entrepreneur

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Total frequency of daily cash deposit in current month is twice or more than avg frequency of transactions in
last 3 months.
Condition applied :
* Minimum frequency of transactions in current month = 6 times
* Minimum amount of total amount of transaction = subject to each group below:
1. Individual ­ Employee: IDR 200 mio
2. Individual ­ Entrepreneurs: IDR 500 mio
3. Individual ­ No Income: IDR 100 mio
4. Entity ­ High Risk: IDR 1 bio
5. Entity ­ Non High Risk: IDR 3 bio
* Excluding : Interest and Fees
Find Scenario
Component: Scenarios 73/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
MON_ST_NUM_01(13) + MON_ST_NUM_05(13) >= 6 AND
MON_ST_NUM_01(13) + MON_ST_NUM_05(13) >=
2*(SUM MON_ST_NUM_01(10..12) + SUM MON_ST_NUM_05(10..12))/3
AND MON_ST_AMOUNT_01(13) + MON_ST_AMOUNT_05(13) >= 500000000
AND ACC_SPH_03 NE '0800'

Threshold for 52 ­ Individual ­ No Income

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Total frequency of daily cash deposit in current month is twice or more than avg frequency of transactions in
last 3 months.
Condition applied :
* Minimum frequency of transactions in current month = 6 times
* Minimum amount of total amount of transaction = subject to each group below:
1. Individual ­ Employee: IDR 200 mio
2. Individual ­ Entrepreneurs: IDR 500 mio
3. Individual ­ No Income: IDR 100 mio
4. Entity ­ High Risk: IDR 1 bio
5. Entity ­ Non High Risk: IDR 3 bio
* Excluding : Interest and Fees

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
MON_ST_NUM_01(13) + MON_ST_NUM_05(13) >= 6 AND
MON_ST_NUM_01(13) + MON_ST_NUM_05(13) >=
2*(SUM MON_ST_NUM_01(10..12) + SUM MON_ST_NUM_05(10..12))/3
AND MON_ST_AMOUNT_01(13) + MON_ST_AMOUNT_05(13) >= 100000000
AND ACC_SPH_03 NE '0800'

52 ­ Cash Withdrawal Transaction Smurfing ­ Daily

Header data:
No.: 52 Editor: 19056494 Edited: 21/07/21, 16:59
Status: Inactive Auditor: 16053040 Audit date: 21/07/21, 20:19
Basis: Transaction+segment+risk Start: 14/09/17
Check level: End: 21/07/21
Issue: Score: 10
Comment: Total amount of daily cash withdrawals.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
Find Scenario
Component: Scenarios 74/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 38 ­ Entity ­ High Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 5000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND CSHYN = 'Y' AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT < 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'
Find Scenario
Component: Scenarios 75/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold for 39 ­ Entity ­ Medium Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 10000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND CSHYN = 'Y' AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT < 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'

Threshold for 40 ­ Entity ­ Low Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 10000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio
Find Scenario
Component: Scenarios 76/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND CSHYN = 'Y' AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT < 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'

Threshold for 41 ­ Individual ­ Employee ­ High Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 500000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND CSHYN = 'Y' AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT < 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'
Find Scenario
Component: Scenarios 77/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold for 42 ­ Individual ­ Employee ­ Medium Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 1000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND CSHYN = 'Y' AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT < 0
AND v0001_EXCL_TRAN_BRANCH NE 'Y'

Threshold for 43 ­ Individual ­ Employee ­ Low Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 1000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio
Find Scenario
Component: Scenarios 78/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND CSHYN = 'Y' AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT < 0
AND v0001_EXCL_TRAN_BRANCH NE 'Y'

Threshold for 44 ­ Individual ­ Entrepreneur ­ High Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 1000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND CSHYN = 'Y' AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT < 0
AND v0001_EXCL_TRAN_BRANCH NE 'Y'
Find Scenario
Component: Scenarios 79/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold for 45 ­ Individual ­ Entrepreneur ­ Medium Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 5000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND CSHYN = 'Y' AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT < 0
AND v0001_EXCL_TRAN_BRANCH NE 'Y'

Threshold for 46 ­ Individual ­ Entrepreneur ­ Low Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 5000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio
Find Scenario
Component: Scenarios 80/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND CSHYN = 'Y' AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT < 0
AND v0001_EXCL_TRAN_BRANCH NE 'Y'

Threshold for 52 ­ Individual ­ No Income

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 1000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND CSHYN = 'Y' AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT < 0
AND v0001_EXCL_TRAN_BRANCH NE 'Y'
Find Scenario
Component: Scenarios 81/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

53 ­ Deposit Transaction Smurfing ­ Monthly

Header data:
No.: 53 Editor: optimus28 Edited: 15/11/22, 08:25
Status: Active Auditor: optimus8 Audit date: 15/11/22, 08:49
Basis: Account profile+segment+risk Start: 27/04/22
Check level: Customer End:
Issue: Score: 10
Comment: Total frequency of daily incoming transactions, cash and non­cash, in current month is twice or more than
avg frequency of transactions in last 3 months.
Condition applied :
* Minimum frequency of transactions in current month >= 3 times
* Minimum amount of each transaction = subject to each group below:
1.Individual – High Risk: IDR 50 million
2.Individual – Non­High Risk (Low/Medium): IDR 100 million
3.Entity ­ High Risk: IDR 500 million
4.Entity – Non­High Risk (Low/Medium): IDR 1 billion
* Excluding : Interest, Fees, and time deposit redemption

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 35 ­ Individual ­ High Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Total frequency of daily incoming transactions, cash and non­cash, in current month is twice or more than
avg frequency of transactions in last 3 months

Condition applied:
­ Minimum frequency of incoming transactions in current month >= 3 times
­ Minimum amount of each incoming transaction = subject to each group below:
Individual – High Risk: IDR 50 million

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
(MON_NUM_FOR_TUP03(12) >=3 AND MON_MIN_FOR_TUP03(12)>=50000000 AND
MON_NUM_FOR_TUP03(12) >= 2*AVE MON_NUM_FOR_TUP03(9..11))
Find Scenario
Component: Scenarios 82/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold for 36 ­ Individual ­ Medium Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Total frequency of daily incoming transactions, cash and non­cash, in current month is twice or more than
avg frequency of transactions in last 3 months

Condition applied:
­ Minimum frequency of incoming transactions in current month >= 3 times
­ Minimum amount of each incoming transaction = subject to each group below:
Individual – Non­High Risk (Low/Medium): IDR 100 million

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
(MON_NUM_FOR_TUP03(12) >=3 AND MON_MIN_FOR_TUP03(12)>=100000000 AND
MON_NUM_FOR_TUP03(12) >= 2*AVE MON_NUM_FOR_TUP03(9..11))

Threshold for 37 ­ Individual ­ Low Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Total frequency of daily incoming transactions, cash and non­cash, in current month is twice or more than
avg frequency of transactions in last 3 months

Condition applied:
­ Minimum frequency of incoming transactions in current month >= 3 times
­ Minimum amount of each incoming transaction = subject to each group below:
Individual – Non­High Risk (Low/Medium): IDR 100 million

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
(MON_NUM_FOR_TUP03(12) >=3 AND MON_MIN_FOR_TUP03(12)>=100000000 AND
MON_NUM_FOR_TUP03(12) >= 2*AVE MON_NUM_FOR_TUP03(9..11))
Find Scenario
Component: Scenarios 83/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold for 38 ­ Entity ­ High Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Total frequency of daily incoming transactions, cash and non­cash, in current month is twice or more than
avg frequency of transactions in last 3 months

Condition applied:
­ Minimum frequency of incoming transactions in current month >= 3 times
­ Minimum amount of each incoming transaction = subject to each group below:
Entity ­ High Risk: IDR 500 million

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
(MON_NUM_FOR_TUP03(12) >=3 AND MON_MIN_FOR_TUP03(12)>=500000000
AND MON_NUM_FOR_TUP03(12) >= 2*AVE MON_NUM_FOR_TUP03(9..11))

Threshold for 39 ­ Entity ­ Medium Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Total frequency of daily incoming transactions, cash and non­cash, in current month is twice or more than
avg frequency of transactions in last 3 months

Condition applied:
­ Minimum frequency of incoming transactions in current month >= 3 times
­ Minimum amount of each incoming transaction = subject to each group below:
Entity – Non­High Risk (Low/Medium): IDR 1 billion

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
(MON_NUM_FOR_TUP03(12) >=3 AND MON_MIN_FOR_TUP03(12)>=1000000000
AND MON_NUM_FOR_TUP03(12) >= 2*AVE MON_NUM_FOR_TUP03(9..11))
Find Scenario
Component: Scenarios 84/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold for 40 ­ Entity ­ Low Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Total frequency of daily cash deposit in current month is twice or more than avg frequency of transactions in
last 3 months.

Condition applied :
* Minimum frequency of transactions in current month >= 3 times
* Minimum amount of total amount of transaction = subject to each group below:
Entity ­ Non High Risk: IDR 1 bio

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
(MON_NUM_FOR_TUP03(12) >=3 AND MON_MIN_FOR_TUP03(12)>=1000000000
AND MON_NUM_FOR_TUP03(12) >= 2*AVE MON_NUM_FOR_TUP03(9..11))

54 ­ Deposit Transaction Smurfing ­ Daily

Header data:
No.: 54 Editor: 19056494 Edited: 21/07/21, 16:59
Status: Inactive Auditor: 16053040 Audit date: 21/07/21, 20:19
Basis: Transaction+segment+risk Start: 14/09/17
Check level: End: 21/07/21
Issue: Score: 10
Comment: Total amount of daily incoming transactions, cash and non­cash.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 2 bio
2. Individual ­ Employee (L/M): IDR 3 bio

3. Individual ­ Entrepreneurs (H): IDR 5 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 2 bio

6. Entity (H): IDR 10 bio

7. Entity (L/M): IDR 20 bio

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:
Find Scenario
Component: Scenarios 85/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold for 38 ­ Entity ­ High Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 10000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily incoming transactions, cash and non­cash.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 2 bio
2. Individual ­ Employee (L/M): IDR 3 bio

3. Individual ­ Entrepreneurs (H): IDR 5 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 2 bio

6. Entity (H): IDR 10 bio

7. Entity (L/M): IDR 20 bio

Siron syntax for threshold:

TR_AGE < 1 AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT > 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'

Threshold for 39 ­ Entity ­ Medium Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 20000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 1 bio

Find Scenario
Component: Scenarios 86/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT > 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'

Threshold for 40 ­ Entity ­ Low Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 20000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT > 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'

Threshold for 41 ­ Individual ­ Employee ­ High Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 2000000000

Check [independent Business type
of new transactions] Account
Find Scenario
Component: Scenarios 87/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT > 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'

Threshold for 42 ­ Individual ­ Employee ­ Medium Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 3000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
Find Scenario
Component: Scenarios 88/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

AND AMOUNT > 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'

Threshold for 43 ­ Individual ­ Employee ­ Low Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 3000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT > 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'

Threshold for 44 ­ Individual ­ Entrepreneur ­ High Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 5000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio
Find Scenario
Component: Scenarios 89/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT > 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'

Threshold for 45 ­ Individual ­ Entrepreneur ­ Medium Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 5000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT > 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'
Find Scenario
Component: Scenarios 90/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold for 46 ­ Individual ­ Entrepreneur ­ Low Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 5000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT > 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'

Threshold for 52 ­ Individual ­ No Income

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 2000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio
Find Scenario
Component: Scenarios 91/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT > 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'

55 ­ Withdraw Transaction Smurfing ­ Monthly

Header data:
No.: 55 Editor: optimus28 Edited: 15/11/22, 08:33
Status: Active Auditor: optimus8 Audit date: 15/11/22, 08:50
Basis: Account profile+segment+risk Start: 27/04/22
Check level: Customer End:
Issue: Score: 10
Comment: Total frequency of daily outgoing transactions, cash and non­cash, in current month is twice or more than
avg frequency of transactions in last 3 months

Condition applied:
­ Minimum frequency of outgoing transactions in current month >= 3 times
­ Minimum amount of each outgoing transaction = subject to each group below:
1.Individual – High Risk: IDR 50 million
2.Individual – Non­High Risk (Low/Medium): IDR 100 million
3.Entity ­ High Risk: IDR 500 million
4.Entity – Non­High Risk (Low/Medium): IDR 1 billion

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 35 ­ Individual ­ High Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Total frequency of daily outgoing transactions, cash and non­cash, in current month is twice or more than
avg frequency of transactions in last 3 months
Find Scenario
Component: Scenarios 92/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Condition applied:
­ Minimum frequency of outgoing transactions in current month >= 3 times
­ Minimum amount of each outgoing transaction = subject to each group below:
Individual – High Risk: IDR 50 million

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
(MON_NUM_FOR_TUP02(12) >=3 AND MON_MIN_FOR_TUP02(12)>=50000000
AND MON_NUM_FOR_TUP02(12) >= 2*AVE MON_NUM_FOR_TUP02(9..11))

Threshold for 36 ­ Individual ­ Medium Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Total frequency of daily outgoing transactions, cash and non­cash, in current month is twice or more than
avg frequency of transactions in last 3 months

Condition applied:
­ Minimum frequency of outgoing transactions in current month >= 3 times
­ Minimum amount of each outgoing transaction = subject to each group below:
Individual – Non­High Risk (Low/Medium): IDR 100 million

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
(MON_NUM_FOR_TUP02(12) >=3 AND MON_MIN_FOR_TUP02(12)>=100000000
AND MON_NUM_FOR_TUP02(12) >= 2*AVE MON_NUM_FOR_TUP02(9..11))

Threshold for 37 ­ Individual ­ Low Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Total frequency of daily outgoing transactions, cash and non­cash, in current month is twice or more than
avg frequency of transactions in last 3 months

Condition applied:
­ Minimum frequency of outgoing transactions in current month >= 3 times
­ Minimum amount of each outgoing transaction = subject to each group below:
Individual – Non­High Risk (Low/Medium): IDR 100 million
Find Scenario
Component: Scenarios 93/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
(MON_NUM_FOR_TUP02(12) >=3 AND MON_MIN_FOR_TUP02(12)>=100000000
AND MON_NUM_FOR_TUP02(12) >= 2*AVE MON_NUM_FOR_TUP02(9..11))

Threshold for 38 ­ Entity ­ High Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Total frequency of daily outgoing transactions, cash and non­cash, in current month is twice or more than
avg frequency of transactions in last 3 months

Condition applied:
­ Minimum frequency of outgoing transactions in current month >= 3 times
­ Minimum amount of each outgoing transaction = subject to each group below:
Entity ­ High Risk: IDR 500 million

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
(MON_NUM_FOR_TUP02(12) >=3 AND MON_MIN_FOR_TUP02(12)>=500000000
AND MON_NUM_FOR_TUP02(12) >= 2*AVE MON_NUM_FOR_TUP02(9..11))

Threshold for 39 ­ Entity ­ Medium Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Total frequency of daily outgoing transactions, cash and non­cash, in current month is twice or more than
avg frequency of transactions in last 3 months

Condition applied:
­ Minimum frequency of outgoing transactions in current month >= 3 times
­ Minimum amount of each outgoing transaction = subject to each group below:
Entity – Non­High Risk (Low/Medium): IDR 1 billion
Find Scenario
Component: Scenarios 94/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
(MON_NUM_FOR_TUP02(12) >=3 AND MON_MIN_FOR_TUP02(12)>=1000000000
AND MON_NUM_FOR_TUP02(12) >= 2*AVE MON_NUM_FOR_TUP02(9..11))

Threshold for 40 ­ Entity ­ Low Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Total frequency of daily outgoing transactions, cash and non­cash, in current month is twice or more than
avg frequency of transactions in last 3 months

Condition applied:
­ Minimum frequency of outgoing transactions in current month >= 3 times
­ Minimum amount of each outgoing transaction = subject to each group below:
Entity – Non­High Risk (Low/Medium): IDR 1 billion

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
(MON_NUM_FOR_TUP02(12) >=3 AND MON_MIN_FOR_TUP02(12)>=1000000000
AND MON_NUM_FOR_TUP02(12) >= 2*AVE MON_NUM_FOR_TUP02(9..11))

56 ­ Withdraw Transaction Smurfing ­ Daily

Header data:
No.: 56 Editor: 19056494 Edited: 21/07/21, 17:00
Status: Inactive Auditor: 16053040 Audit date: 21/07/21, 20:19
Basis: Transaction+segment+risk Start: 14/09/17
Check level: End: 21/07/21
Issue: Score: 10
Comment: Total amount of daily outgoing transactions, cash and non­cash.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 2 bio
2. Individual ­ Employee (L/M): IDR 3 bio

3. Individual ­ Entrepreneurs (H): IDR 5 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 2 bio

6. Entity (H): IDR 10 bio

7. Entity (L/M): IDR 20 bio

* Excluding : Interest, Fees, and time deposit redemption/placement

* Excluding : Interest, Fees, and time deposit placement
Find Scenario
Component: Scenarios 95/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 38 ­ Entity ­ High Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 10000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily incoming transactions, cash and non­cash.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 2 bio
2. Individual ­ Employee (L/M): IDR 3 bio

3. Individual ­ Entrepreneurs (H): IDR 5 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 2 bio

6. Entity (H): IDR 10 bio

7. Entity (L/M): IDR 20 bio

Siron syntax for threshold:

TR_AGE < 1 AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT < 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'

Threshold for 39 ­ Entity ­ Medium Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 20000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
Find Scenario
Component: Scenarios 96/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT< 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'

Threshold for 40 ­ Entity ­ Low Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 20000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT< 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'
Find Scenario
Component: Scenarios 97/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold for 41 ­ Individual ­ Employee ­ High Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 2000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT< 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'

Threshold for 42 ­ Individual ­ Employee ­ Medium Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 3000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio
Find Scenario
Component: Scenarios 98/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT< 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'

Threshold for 43 ­ Individual ­ Employee ­ Low Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 3000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT< 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'
Find Scenario
Component: Scenarios 99/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold for 44 ­ Individual ­ Entrepreneur ­ High Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 5000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT< 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'

Threshold for 45 ­ Individual ­ Entrepreneur ­ Medium Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 5000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio
Find Scenario
Component: Scenarios 100/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT< 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'

Threshold for 46 ­ Individual ­ Entrepreneur ­ Low Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 5000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT< 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'
Find Scenario
Component: Scenarios 101/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold for 52 ­ Individual ­ No Income

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Sum (abs. values) Customer >= 2000000000

Check [independent Business type
of new transactions] Account

Threshold comment:
Total amount of daily cash deposit.
Condition applied :
* Minimum amount of each transaction = subject to each group below:
1. Individual ­ Employee (High): IDR 500 mio
2. Individual ­ Employee (L/M): IDR 1bio

3. Individual ­ Entrepreneurs (H): IDR 1 bio

4. Individual ­ Entrepreneurs (L/M): IDR 5 bio

5. Individual ­ No Income: IDR 1 bio

6. Entity (H): IDR 5 bio

7. Entity (L/M): IDR 10 bio

* Excluding : Interest and Fees

Siron syntax for threshold:

TR_AGE < 1 AND
(v0001_CURR_ACC = 'Y' OR v0001_SAVE_ACC = 'Y') AND
v0001_EXCL_TRAN NE 'Y'
AND AMOUNT< 0 AND v0001_EXCL_TRAN_BRANCH NE 'Y'

57 ­ Dormant Account ­ 1

Header data:
No.: 57 Editor: 19056494 Edited: 01/03/21, 16:21
Status: Inactive Auditor: 16053040 Audit date: 01/03/21, 18:51

Basis: Account profile+segment+risk Start: 14/09/17

Check level: Customer End: 28/02/21
Issue: Score: 0
Comment: Dormant account >=3 months, followed by incoming transactions >IDR 100 mio within a day, followed by
withdrawal +/­90% of the total amount of incoming transactions within 7 days after. Conditions applied:
1. Individual ­ IDR 100 mio
2. Entity ­ IDR 1 bio

* Excluding : Interest, Fees, and time deposit redemption

Find Scenario
Component: Scenarios 102/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 1 ­ All customers

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
Dormant account >=3 months, followed by incoming transactions >IDR 100 mio within a day, followed by
withdrawal +/­90% of the total amount of incoming transactions within 7 days after. Conditions applied:
1. Individual ­ IDR 100 mio
2. Entity ­ IDR 1 bio

* Excluding : Interest, Fees, and time deposit redemption

Siron syntax for threshold:

NUM_DAYS_CUST_OPEN>90 AND TURNO_NEW_YN = 'Y' AND
SUM MON_ST_NUM_01(10..12) +
SUM MON_ST_NUM_03(10..12) + SUM MON_ST_NUM_05(10..12) +
SUM MON_ST_NUM_07(10..12)+SUM MON_ST_NUM_02(10..12) +
SUM MON_ST_NUM_04(10..12) + SUM MON_ST_NUM_06(10..12) +
SUM MON_ST_NUM_08(10..12) = 0
AND ACC_SPH_03 NE '0800'

58 ­ Dormant Account ­ 2

Header data:
No.: 58 Editor: 19056494 Edited: 01/03/21, 16:21
Status: Inactive Auditor: 16053040 Audit date: 01/03/21, 18:52

Basis: Transaction+segment+risk Start: 14/09/17

Check level: End: 28/02/21
Issue: Score: 0
Comment: Dormant account >=3 months, followed by incoming transactions >IDR 100 mio within a day, followed by
withdrawal +/­90% of the total amount of incoming transactions within 7 days after. Conditions applied:
1. Individual ­ IDR 100 mio
2. Entity ­ IDR 1 bio

* Excluding : Interest, Fees, and time deposit redemption

Find Scenario
Component: Scenarios 103/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 21 ­ Individual

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type
Account

Threshold comment:
Dormant account >=3 months, followed by incoming transactions >IDR 100 mio within a day, followed by
withdrawal +/­90% of the total amount of incoming transactions within 7 days after. Conditions applied:
1. Individual ­ IDR 100 mio
2. Entity ­ IDR 1 bio

* Excluding : Interest, Fees, and time deposit redemption

Siron syntax for threshold:

TURNO_NEW_YN = 'Y' AND
v0001_SUM_SAVACC_DEB_7D/v0001_SUM_SAVACC_CRED_7D
= 0.89 TO 0.91 AND v0001_SUM_SAVACC_CRED_7D >= 100000000
AND ACC_SPH_03 NE '0800'

Threshold for 29 ­ Entity

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type
Account

Threshold comment:
Dormant account >=3 months, followed by incoming transactions >IDR 100 mio within a day, followed by
withdrawal +/­90% of the total amount of incoming transactions within 7 days after. Conditions applied:
1. Individual ­ IDR 100 mio
2. Entity ­ IDR 1 bio

* Excluding : Interest, Fees, and time deposit redemption

Siron syntax for threshold:

TURNO_NEW_YN = 'Y' AND
Find Scenario
Component: Scenarios 104/115
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Search criteria: None

v0001_SUM_SAVACC_DEB_7D/v0001_SUM_SAVACC_CRED_7D
= 0.89 TO 0.91 AND v0001_SUM_SAVACC_CRED_7D >= 1000000000
AND ACC_SPH_03 NE '0800'

59 ­ Out of profile ­ High increase (3 times) of number of transactions

Header data:
No.: 59 Editor: optimus28 Edited: 15/11/22, 08:34
Status: Active Auditor: optimus8 Audit date: 15/11/22, 08:50
Basis: Account profile+segment+risk Start: 27/04/22
Check level: Customer End:
Issue: Score: 10
Comment: There is a high increase (3 times) of number of transactions (incoming and outgoing) within a month
compared to previous 3 months in average. Conditions applied:
* Multiplier: 3 times
* Minimum amount:
'­ individual: IDR 100 mio
'­ entity: IDR 500 mio
* minimum number of transactions: 10 times in current month

* Excluding : Interest, Fees, and time deposit redemption/placement

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 53 ­ INDIVIDUAL_NEW

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
1. Check if transaction frequency (incoming and outgoing) within current month >= 10 times
2. AND if increase in transaction frequency (incoming and outgoing) in 1 month >= 3 times larger than the
average frequency in the last 3 months
3. AND Minimum amount of each transaction:
­ Individual >= IDR 100 million

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
(MON_NUM_FOR_TUP01(12) >=10 AND MON_MIN_FOR_TUP01(12)>=100000000
AND MON_NUM_FOR_TUP01(12) >= 3*AVE MON_NUM_FOR_TUP01(9..11))
Find Scenario
Component: Scenarios 105/115
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Client: 0001 ­ BTPN UAT
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Entries: 60
Search criteria: None

Threshold for 54 ­ ENTITY_NEW

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
1. Check if transaction frequency (incoming and outgoing) within current month >= 10 times
2. AND if increase in transaction frequency (incoming and outgoing) in 1 month >= 3 times larger than the
average frequency in the last 3 months
3. AND Minimum amount of each transaction:
­ Non­individual (Entity) >= IDR 500 million

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
(MON_NUM_FOR_TUP01(12) >=10 AND MON_MIN_FOR_TUP01(12)>=500000000
AND MON_NUM_FOR_TUP01(12) >= 3*AVE MON_NUM_FOR_TUP01(9..11))

60 ­ Cash withdrawal followed by cash deposit in same day

Header data:
No.: 60 Editor: 19056494 Edited: 04/09/20, 13:40
Status: Active Auditor: 16053040 Audit date: 04/09/20, 14:31
Basis: Transaction+segment+risk Start: 14/09/17
Check level: End:
Issue: Score: 10
Comment: Cash withdrawal followed by cash deposit or vice versa with the amount threshold of 90% ­ 110% and in
very short time frame.

Criteria and Threshold

*Minimum amount: IDR 500 mio
*All Customers
*Time frame: same day

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:
Find Scenario
Component: Scenarios 106/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold for 1 ­ All customers

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type
Account

Threshold comment:
Cash withdrawal followed by cash deposit or vice versa with the amount threshold of 90% ­ 110% and in
very short time frame.

Criteria and Threshold

*Minimum amount: IDR 500 mio
*All Customers
*Time frame: same day

Siron syntax for threshold:

v0001_SUM_DEB_CSH_1D >= 500000000 AND
v0001_SUM_CRED_CSH_1D > 0 AND
v0001_SUM_DEB_CSH_1D >= 0.9*v0001_SUM_CRED_CSH_1D
AND ACC_SPH_03 NE '0800'
AND CUST_SPH_01 NE '02'

61 ­ Grey List Transaction

Header data:
No.: 61 Editor: 19056494 Edited: 21/07/21, 17:00
Status: Inactive Auditor: 16053040 Audit date: 21/07/21, 20:19

Basis: Transaction+segment+risk Start: 14/09/17

Check level: End: 21/07/21
Issue: Score: 10
Comment: Only applies to customer that performs a transaction amounting to >= IDR 100 mio and against whom an
STR has been reported previously

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:
Find Scenario
Component: Scenarios 107/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold for 1 ­ All customers

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type
Account

Threshold comment:
Only applies to customer that performs a transaction amounting to >= IDR 100 mio and against whom an
STR has been reported previously

Siron syntax for threshold:

STATUS = 'N' AND AMOUNT >= 100000000, <= ­100000000 AND
CASE_CLOSED_SAR >= 1 AND v0001_EXCL_TRAN_BRANCH NE 'Y'

62 ­ Baloon Payment ­ 1

Header data:
No.: 62 Editor: 19056494 Edited: 21/07/21, 17:01
Status: Inactive Auditor: 16053040 Audit date: 21/07/21, 20:20
Basis: Account+segment+risk Start: 14/09/17
Check level: End: 21/07/21
Issue: Score: 0
Comment: Customer opens a loan account (>=100 million IDR) and before that (<=3 months), there is already
another loan account that has been early terminated (<=12 months after disbursement)

*Applies to only installment loan

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 1 ­ All customers

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type
Find Scenario
Component: Scenarios 108/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold comment:
Customer opens a loan account (>=100 million IDR) and before that (<=3 months), there is already another
loan account that has been early terminated (<=12 months after disbursement)

*Applies to only installment loan

Siron syntax for threshold:

ACC_STATUS = 'N' AND ACCBALANCE >= 100000000 AND v0001_LOAN_ACC = 'Y'
AND ACC_SPH_03 NE '0800'

63 ­ Early termination from cash source fund

Header data:
No.: 63 Editor: optimus8 Edited: 01/08/22, 18:36
Status: Active Auditor: optimus28 Audit date: 01/08/22, 18:37
Basis: Transaction+segment+risk Start: 25/04/22
Check level: End:
Issue: Score: 10
Comment: Condition applied :
­ Loan amount at least : IDR 100 mio

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 1 ­ All customers

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type
Account

Threshold comment:
Condition applied :
­ Loan amount at least : IDR 100 mio

Siron syntax for threshold:

(v0001_SUM_CRED_CSH_7D >=100000000 OR
v0001_SUM_CRED_NCSH_7D >=100000000)
AND v0001_SUM_SAVE_DEB_D1 >= 100000000 AND
v0001_SUM_LOAN_CRED_D1 >= 100000000 AND
ENTRYDATE_PRIOR_TERMYN = 'Y' AND
ACC_SPH_03 NE '0800'
Find Scenario
Component: Scenarios 109/115
User: optimus27
Client: 0001 ­ BTPN UAT
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Entries: 60
Search criteria: None

64 ­ Out of profile ­ income

Header data:
No.: 64 Editor: optimus28 Edited: 17/11/22, 15:52
Status: Active Auditor: optimus8 Audit date: 22/11/22, 09:25
Basis: Account profile+segment+risk Start: 27/04/22
Check level: Customer End:
Issue: Score: 10
Comment: a.Base: CRN level
b.Applicable to all CASA products
c.Exclude:
­ Interest
­ Administration fees
­ Time deposit redemption
­ Internal transfer (e.g Jenius Transaction)
­ Loan Transaction
­ All accounts from ex­SMBCI (Branch Code 0800)
d. For every customers that didnt have income, the default value for income is 2 Mio IDR
e.Total incoming transaction amount >= X times customer’s income in 1 month
X is defined as:
­ Non­individual (Entity) – High­risk: 7 times
­ Non­individual (Entity) – Non­high­risk (Low/Medium): 10 times
­ Individual – High­risk: 10 times
­ Individual ­ Non­high­risk (Low/Medium): 15 times
f. Condition applied:
Minimum amount of each transaction (Incoming):
1.Individual – High Risk: IDR 50 million
2.Individual – Non­High Risk (Low/Medium): IDR 100 million
3.Entity ­ High Risk: IDR 500 million
4.Entity – Non­High Risk (Low/Medium): IDR 1 billion
g. For Individual ­ High Risk will include below profession:
15­Non Formal Lainnya
16­Ibu Rumah Tangga
17­Pelajar/Mahasiswa
24­Pegawai Swasta
10­Pengusaha/Wiraswasta
AND
h.Occurs in 3 consecutive months

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 35 ­ Individual ­ High Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Find Scenario
Component: Scenarios 110/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold comment:
d.For every customers that didnt have income, the default value for income is 2 Mio IDR
e.Total incoming transaction amount >= X times customer’s income in 1 month
X is defined as:
­ Non­individual (Entity) – High­risk: 7 times
­ Non­individual (Entity) – Non­high­risk (Low/Medium): 10 times
­ Individual – High­risk: 10 times
­ Individual ­ Non­high­risk (Low/Medium): 15 times
f. Condition applied:
Minimum amount of each transaction (Incoming):
1.Individual – High Risk: IDR 50 million
2.Individual – Non­High Risk (Low/Medium): IDR 100 million
3.Entity ­ High Risk: IDR 500 million
4.Entity – Non­High Risk (Low/Medium): IDR 1 billion
h.Occurs in 3 consecutive months

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
((MON_MIN_FOR_TUP03(12)>=50000000 AND
MON_SUM_FOR_TUP03(12)>=10*V0001_SALARY) AND
(MON_MIN_FOR_TUP03(11)>=50000000 AND
MON_SUM_FOR_TUP03(11)>=10*V0001_SALARY) AND
(MON_MIN_FOR_TUP03(10)>=50000000 AND
MON_SUM_FOR_TUP03(10)>=10*V0001_SALARY))

Threshold for 36 ­ Individual ­ Medium Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
d.For every customers that didnt have income, the default value for income is 2 Mio IDR
e.Total incoming transaction amount >= X times customer’s income in 1 month
X is defined as:
­ Non­individual (Entity) – High­risk: 7 times
­ Non­individual (Entity) – Non­high­risk (Low/Medium): 10 times
­ Individual – High­risk: 10 times
­ Individual ­ Non­high­risk (Low/Medium): 15 times
f. Condition applied:
Minimum amount of each transaction (Incoming):
1.Individual – High Risk: IDR 50 million
2.Individual – Non­High Risk (Low/Medium): IDR 100 million
3.Entity ­ High Risk: IDR 500 million
4.Entity – Non­High Risk (Low/Medium): IDR 1 billion
h.Occurs in 3 consecutive months

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
((MON_MIN_FOR_TUP03(12)>=100000000 AND
Find Scenario
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Entries: 60
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MON_SUM_FOR_TUP03(12)>=15*V0001_SALARY) AND
(MON_MIN_FOR_TUP03(11)>=100000000 AND
MON_SUM_FOR_TUP03(11)>=15*V0001_SALARY) AND
(MON_MIN_FOR_TUP03(10)>=100000000 AND
MON_SUM_FOR_TUP03(10)>=15*V0001_SALARY))

Threshold for 37 ­ Individual ­ Low Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
d.For every customers that didnt have income, the default value for income is 2 Mio IDR
e.Total incoming transaction amount >= X times customer’s income in 1 month
X is defined as:
­ Non­individual (Entity) – High­risk: 7 times
­ Non­individual (Entity) – Non­high­risk (Low/Medium): 10 times
­ Individual – High­risk: 10 times
­ Individual ­ Non­high­risk (Low/Medium): 15 times
f. Condition applied:
Minimum amount of each transaction (Incoming):
1.Individual – High Risk: IDR 50 million
2.Individual – Non­High Risk (Low/Medium): IDR 100 million
3.Entity ­ High Risk: IDR 500 million
4.Entity – Non­High Risk (Low/Medium): IDR 1 billion
h.Occurs in 3 consecutive months

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
((MON_MIN_FOR_TUP03(12)>=100000000 AND
MON_SUM_FOR_TUP03(12)>=15*V0001_SALARY) AND
(MON_MIN_FOR_TUP03(11)>=100000000 AND
MON_SUM_FOR_TUP03(11)>=15*V0001_SALARY) AND
(MON_MIN_FOR_TUP03(10)>=100000000 AND
MON_SUM_FOR_TUP03(10)>=15*V0001_SALARY))

Threshold for 38 ­ Entity ­ High Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
d.For every customers that didnt have income, the default value for income is 2 Mio IDR
e.Total incoming transaction amount >= X times customer’s income in 1 month
Find Scenario
Component: Scenarios 112/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

X is defined as:
­ Non­individual (Entity) – High­risk: 7 times
­ Non­individual (Entity) – Non­high­risk (Low/Medium): 10 times
­ Individual – High­risk: 10 times
­ Individual ­ Non­high­risk (Low/Medium): 15 times
f. Condition applied:
Minimum amount of each transaction (Incoming):
1.Individual – High Risk: IDR 50 million
2.Individual – Non­High Risk (Low/Medium): IDR 100 million
3.Entity ­ High Risk: IDR 500 million
4.Entity – Non­High Risk (Low/Medium): IDR 1 billion
h.Occurs in 3 consecutive months

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
((MON_MIN_FOR_TUP03(12)>=500000000 AND
MON_SUM_FOR_TUP03(12)>=7*V0001_SALARY) AND
(MON_MIN_FOR_TUP03(11)>=500000000 AND
MON_SUM_FOR_TUP03(11)>=7*V0001_SALARY) AND
(MON_MIN_FOR_TUP03(10)>=500000000 AND
MON_SUM_FOR_TUP03(10)>=7*V0001_SALARY))

Threshold for 39 ­ Entity ­ Medium Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
d.For every customers that didnt have income, the default value for income is 2 Mio IDR
e.Total incoming transaction amount >= X times customer’s income in 1 month
X is defined as:
­ Non­individual (Entity) – High­risk: 7 times
­ Non­individual (Entity) – Non­high­risk (Low/Medium): 10 times
­ Individual – High­risk: 10 times
­ Individual ­ Non­high­risk (Low/Medium): 15 times
f. Condition applied:
Minimum amount of each transaction (Incoming):
1.Individual – High Risk: IDR 50 million
2.Individual – Non­High Risk (Low/Medium): IDR 100 million
3.Entity ­ High Risk: IDR 500 million
4.Entity – Non­High Risk (Low/Medium): IDR 1 billion
h.Occurs in 3 consecutive months

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
((MON_MIN_FOR_TUP03(12)>=1000000000 AND
MON_SUM_FOR_TUP03(12)>=10*V0001_SALARY) AND
(MON_MIN_FOR_TUP03(11)>=1000000000 AND
MON_SUM_FOR_TUP03(11)>=10*V0001_SALARY) AND
(MON_MIN_FOR_TUP03(10)>=1000000000 AND
MON_SUM_FOR_TUP03(10)>=10*V0001_SALARY))
Find Scenario
Component: Scenarios 113/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold for 40 ­ Entity ­ Low Risk

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Threshold comment:
d.For every customers that didnt have income, the default value for income is 2 Mio IDR
e.Total incoming transaction amount >= X times customer’s income in 1 month
X is defined as:
­ Non­individual (Entity) – High­risk: 7 times
­ Non­individual (Entity) – Non­high­risk (Low/Medium): 10 times
­ Individual – High­risk: 10 times
­ Individual ­ Non­high­risk (Low/Medium): 15 times
f. Condition applied:
Minimum amount of each transaction (Incoming):
1.Individual – High Risk: IDR 50 million
2.Individual – Non­High Risk (Low/Medium): IDR 100 million
3.Entity ­ High Risk: IDR 500 million
4.Entity – Non­High Risk (Low/Medium): IDR 1 billion
h.Occurs in 3 consecutive months

Siron syntax for threshold:

*%CHANGE_OF_MONTHYN = 'Y' AND
((MON_MIN_FOR_TUP03(12)>=1000000000 AND
MON_SUM_FOR_TUP03(12)>=10*V0001_SALARY) AND
(MON_MIN_FOR_TUP03(11)>=1000000000 AND
MON_SUM_FOR_TUP03(11)>=10*V0001_SALARY) AND
(MON_MIN_FOR_TUP03(10)>=1000000000 AND
MON_SUM_FOR_TUP03(10)>=10*V0001_SALARY))

65 ­ Walk In Customer performs a transaction above >=IDR 100 million

Header data:
No.: 65 Editor: 19056494 Edited: 21/07/21, 17:01
Status: Inactive Auditor: 16053040 Audit date: 21/07/21, 20:20

Basis: Transaction+segment+risk Start: 14/09/17

Check level: End: 21/07/21
Issue: Score: 10
Comment: WIC performs a transaction above >=IDR 100 million

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:
Find Scenario
Component: Scenarios 114/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

Threshold for 99 ­ Walk In Customers

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type
Account

Threshold comment:
WIC performs a transaction above >=IDR 100 million

Siron syntax for threshold:

STATUS = 'N' AND AMOUNT >= 100000000, <= ­100000000
AND v0001_EXCL_TRAN_BRANCH NE 'Y'

66 ­ Baloon Payment ­ 2

Header data:
No.: 66 Editor: 19056494 Edited: 21/07/21, 17:01
Status: Inactive Auditor: 16053040 Audit date: 21/07/21, 20:20

Basis: Account+segment+risk Start: 14/09/17

Check level: End: 21/07/21
Issue: Score: 0
Comment: Customer opens a loan account (>=100 million IDR) and before that (<=3 months), there is already
another loan account that has been early terminated (<=12 months after disbursement)

*Applies to only installment loan

SironRAS: internal measure:

No. ­ name:
Meas. type:
Priority:

Threshold for 1 ­ All customers

customer
category X Threshold with custom Siron syntax

Comparison Object Check level Operator Start End

Customer
Business type

Threshold comment:
Customer opens a loan account (>=100 million IDR) and before that (<=3 months), there is already another
Find Scenario
Component: Scenarios 115/115
User: optimus27
Client: 0001 ­ BTPN UAT
Printed: 23/01/2024, 10:28:38
Entries: 60
Search criteria: None

loan account that has been early terminated (<=12 months after disbursement)

*Applies to only installment loan

Siron syntax for threshold:

v0001_LOAN_ACC = 'Y' AND TERM < 365 AND v0001_NUM_DAYS_SINCE_CLOSE = 1
TO 90 AND ACC_SPH_03 NE '0800'