detecting employees with a high potential risk of committing fraud based on certain parameters (for example: online gambling). In Pillar 2, Detection, the Company received several complaints including: WBS regarding violations and indications of fraud through media such as SMS, Letters, Telephone, Email, Website and WhatsApp, as well as Enhancement of the Supervision Dashboard by adding several crucial indicators, Enhancement of Fraud Rules Detection System (FD), and others. In Pillar 3, Investigation, Reporting and Sanctions, the Company has carried out: investigation of inventory reporting of fraud incidents and incidental reports of significant fraud that could disrupt the Bank’s operational activities in accordance with applicable provisions to the Regulator, and sanctioned perpetrators of fraud. In pillar 4, Monitoring, Evaluation and Follow-up, the Company has carried out: implementing a Risk Management Forum (FMR) that discusses handling internal and external fraud, a Fraud Recovery program that seeks to complete recovery from perpetrators and parties involved in fraud, and collaborating with law enforcement in arresting internal and external fraud perpetrators. BRI strives to suppress and reduce the incidence of fraud and optimize recovery of losses due to fraud. Some of the efforts made include developing systems and execution governance in the Fraud Detection System (FDS), strengthening Governance Risk Compliance Culture at all levels of employees, optimizing the RRM (Regional Risk Management) Team by perfecting the RRM Team framework, improving fraud recovery and periodically conducting top level reviews and functional reviews related to the Anti-Fraud Strategy. The Board of Commissioners also monitored and evaluated the Anti-fraud Strategy on a semi-annual basis, reported fraud incidents that had a significant impact, and provided input to the Board of Directors for strengthening the Anti-Fraud Strategy in each pillar, including monitoring the follow-up to improvements and recovery efforts for incidents. fraud. The Board of Commissioners urges the Board of Directors and all Brilian People to always be alert to all modes of fraud that occur, so as to maintain the Company’s reputation and public trust. Gratification Control BRI’s commitment to managing gratification control continues to be improved, through Anti-Bribery and Gratification Control policies that serve as guidelines for all BRI personnel in preventing gratification and bribery practices that can harm BRI’s interests and conflict with GCG principles, so as to create a conducive control environment in accordance with the Board of Directors’ Circular Letter Concerning BRI Anti-Bribery and Gratification Control. The Company has established a BRI Gratification Control Unit to prepare programs, provide information services and gratification reporting on and need to develop anti-fraud detection based on big data analytics. During 2023, the Company’s gratification control programs, included: 1. Commitment to Gratification Control The Board of Commissioners and Board of Directors together with all employees signed an anti-gratification commitment in the code of ethics statement, and BRI employees throughout Indonesia signed an integrity pact and an antibribery self-assessment in the context of mapping points prone to gratification. 2. Education and Outreach Program The Control Unit in collaboration with BRI Corporate University carried out socialization via e-learning of the gratification policy to all employees. 3. Gratification Policy Update The Gratification policy that was previously regulated in the Board of Directors Circular No. SE.63-DIR/KEP/12/2020 dated December 8, 2020 concerning BRI Anti-Bribery and Gratification Control Provisions, was replaced by the Board of Directors Corporate Governance Policy Circular No.SE.09DIR/KEP/03/2023 dated March 15, 2023 Book 3 concerning Anti-Bribery and Gratification Control. 4. Reporting on Acceptance/Rejection of Gratification During 2023, the Gratification Control Unit received 61 gratification reports. The Board of Commissioners advise is that the internal gratification control must continue to pay serious attention to ensure that BRI’s business processes run in accordance with applicable business ethics and to uphold the value of integrity. Whistleblowing System BRI’s commitment to implementing good Corporate Governance, is in line with one of the pillars of the Anti-Fraud Strategy, namely the detection pillar as stipulated by the regulator, and identification is carried out to find fraud incidents. Therefore, BRI has prepared reporting media that is managed transparently and fairly through the Whistleblowing System (WBS). The process of reporting violations through the WBS is part of BRI’s efforts to prevent violations and negative publicity against the Company. The Board of Commissioners view is that WBS will help improve the implementation of Good Corporate Governance (GCG) based on behaviors that are in accordance with the code of ethics and corporate culture. In 2023, the Board of Commissioners provided responses and input on the effectiveness of the BRI Whistleblowing System. In its implementation, 30 (thirty) complaint reports with 50 (fifty) sub-indications of violations were received. PT Bank Rakyat Indonesia (Persero) Tbk. 2023 Annual Report 67 Report of The Board of Directors and Board of Commissioners
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