Born in Jakarta in 1965, Mr. Utama pursued a Bachelor of Business Administration in Accounting and Finance from Texas A&M University, USA. With a robust educational background, Mr. Utama embarked on a distinguished career path, showcasing expertise in operations and technology within the banking and financial sector. Mr. Utama held pivotal roles such as Managing Director and Head of Operations and Technology at Citibank from 2016 to 2021, where he played a crucial role in steering the bank's operational and technological strategies. Prior to this, he served as the Chief Operations and Technology Officer at the Singapore Exchange from 2012 to 2015, contributing significantly to the exchange's operational efficiency and technological advancements. He also served as a Director of Operations & Technology at Bank Permata from 2010 to 2012, further solidifying her expertise in managing operations and technology within the banking sector. Through her dynamic leadership and extensive experience, Mr. Utama has made significant contributions to the operational and technological landscape of renowned financial institutions.