Currently serving as the Transaction Banking Wholesale Group at PT Bank Mandiri (Persero) Tbk in Indonesia, Norman Defryzal draws on his diverse background, having held positions at PT. Bank QNB Indonesia Tbk, Royal Bank of Scotland Business, and Maybank. Possessing a strong skill set in areas such as Cash Management, Financial Institutions, Trade Finance, Transactional Banking, and Banking, Defryzal provides valuable insights to the industry. Currently serving as the Transaction Banking Wholesale Group at PT Bank Mandiri (Persero) Tbk in Indonesia, Norman Defryzal draws on his diverse background, having held positions at PT. Bank QNB Indonesia Tbk, Royal Bank of Scotland Business, and Maybank. Possessing a strong skill set in areas such as Cash Management, Financial Institutions, Trade Finance, Transactional Banking, and Banking, Defryzal provides valuable insights to the industry.