Previously, she worked at subsidiary of a Tokyo Stock Exchange (TSE) listed financial group (~$8.27B total assets), with operations across Southeast Asia. While the company operates in various sectors, she specialized in financial and real estate sectors, including:
• Financial Business: Debt purchasing and management; Receivables collection
• Real Estate Business:
1) Real Estate Development and Construction (Real Estate Development; Design and Construction of Detached Houses; Subdivision)
2) Sales and Leasing (Sales of Single-Family Houses; Real Estate Auction; Real Estate Leasing; Property Trading)
3) Property Management and Consulting (Real Estate Rental Management; Property Consulting).

She provided strategic insights to system operations to design and enhance business processes, while also conducting internal and fraud audits to assess controls and compliance across all business units and departments. By delivering actionable recommendations, she ensured their implementation, driving performance improvements and operational efficiencies. As a fraud and internal auditor, her core responsibilities included:
• Managing NPL portfolios carried forward from legacy operations and external acquisitions
• Structuring asset-backed loan guarantees (land, property, and vehicles)
• Overseeing internal controls for auctioned and foreclosed assets
• Designing recovery strategies through the Asset Management Unit (AMU) to optimize resolution and asset quality

She worked closely with the President Director and C-suite executives; Cross-functional teams, including the legal department; Notaries; Individual and property agents companies; Asset Management & Auction Services Office; and Licensed Public Appraisal Service Office, authorized by the Ministry of Finance, provide independent asset valuations. Despite the segment recording a ~$57.9M loss in operating income—driven by COVID-19-related constraints on loan issuance and weak debt recovery—the business unit grew revenue to ~$152.7M. Her work played a pivotal role in supporting the group’s regional recovery, contributing to asset quality improvements and operational stabilization amid post-pandemic headwinds.

Institutional Context.
The bank was founded in 1989 as Bank CIC (Centris International Corporation). In 2004, it merged with Bank Danpac, Bank Pikko, Bank Pos Nusantara, and Bank Pelita to form Bank Century. Several of these predecessor institutions had previously been recipients of liquidity assistance under the Bank Indonesia Liquidity Assistance (BLBI) program, a crisis-response facility introduced during the 1997–1998 Asian Financial Crisis. BLBI provided emergency funding to maintain solvency in the banking sector, but much of it was later misused, turning into one of Indonesia’s largest corruption scandals and leaving unresolved exposures, unrecovered state funds, and reputational risks across the sector. The merger therefore consolidated not only banking operations but also a legacy of weak governance and distressed portfolios. Following Bank Century’s collapse during the 2008 global financial crisis, it was taken over by the Indonesian Deposit Insurance Corporation (LPS). In 2009, it was renamed Bank Mutiara under LPS management. In 2014, it was acquired by a Japanese investor group for ~$356M at the time and rebranded in 2015 as a listed commercial bank within a broader Asian financial network spanning banking, multifinance, and cross-border investments.

This history left the institution with a substantial portfolio of non-performing loans (NPLs) and distressed assets, inherited from BLBI-era predecessor banks, the Bank Century bailout, and the Bank Mutiara period, compounded by additional portfolios purchased from other banks and financing companies, which presented opportunities for restructuring, collateral monetization, and profitable asset recovery under new ownership.

Sarah worked at a firm affiliated with Intercontinental Grouping of Accountants and Lawyers (IGAL), part of a global network of 100+ firms across 45 countries, facilitating cross-border financial and legal services with 50 years of experience.

She conducted in M&A Transaction Advisory - Due Diligence, she led due diligence in the logistics sector for a Southeast Asian investment firm specializing in hybrid securities, including debt, convertible bonds, preference shares, and equity, with a primary focus on growth capital investments. The firm, with $1.5B+ deployed across Indonesia, Singapore, Philippines, and Malaysia, is recognized for its disciplined investment approach and commitment to delivering risk-adjusted returns while supporting sustainable regional development. Sarah’s analysis supported investment decisions in companies valued at $15M+, with deal sizes starting from $7.5M and structured over 3–5 year horizons. Her work ensured deals matched the firm’s target ownership range (10–50%) and value creation goals, while also meeting key governance standards like those in the CDC Investment Code. She combined detailed financial analysis with strategic thinking to long-term investment decisions.

In parallel, She contributed to IPO readiness audits for a property development company (IDX-listed). The company is part of a well-established real estate group based in Singapore, which manages a diversified property portfolio valued at approximately $260M. Listed on both the Singapore Exchange (SGX) and Frankfurt Stock Exchange (FSE), the group holds a variety of assets, including residential, office, serviced apartment, retail, and integrated hospitality properties, as well as a real estate fund management business, the group’s investment properties are valued at $321.2M. Sarah worked on a team that reviewed the company’s financial systems, governance, and compliance to ensure they met IPO requirements. Her work helped prepare the company for a successful public listing in Southeast Asia’s real estate market.

Additionally, Sarah contributed to financial statement audits for diverse sectors, including:
• Financial Services: Venture capital, payment providers.
• SMEs & Professional Services: Procurement, visa services, legal translation.
• Heavy Industries: Coal mining, aviation/logistics, manufacturing (electronics, industrial goods).
• Consumer & Luxury: Luxury automotive (authorized importer of a hypercar and supercar brand), beauty/wellness, F&B (bakeries).

Earlier, she developed her foundation in audit assurance and tax compliance at Dezan Shira & Associates, a professional services firm with a pan-Asian focus. The firm specializes in foreign direct investment (FDI) advisory and provides services in market entry, corporate structuring, cross-border M&A, tax, legal, accounting, audit, and HR compliance. It operates in 21 countries across Asia Pacific, China, Europe, the Middle East, and North America, publishes Asia Briefing on regulatory and tax developments, and is a member of the Leading Edge Alliance (LEA Global).

Previously, she joined KONE Corporation, a publicly listed Finnish engineering company on the Nasdaq Helsinki (ticker: KNEBV) and a constituent of the OMX Helsinki 25 Index, part of the global Nasdaq, Inc. group, also operates the Nasdaq stock exchange in the U.S. As Manager - Financial Operations (Accounts Receivable) for Indonesia within the Southeast Asia regional team, she managed payment structures, AR aging and bank guarantee, ensuring financial stability and mitigated risk for high-profile commercial developments in Indonesia, including Indonesia One, District 8 Senopati, Ritz Carlton, Grand Hyatt, Telkom Landmark Tower, Taman Anggrek, Gold Coast, Graha Niaga, Bank Indonesia, Wisma Mulia 2, Club Med Bintan, and more.

She oversaw client relationships with property developer clients included Plaza Indonesia Realty Tbk (IDX: PLIN), Telkom Indonesia Tbk (IDX: TLKM), Intiland Development Tbk (IDX: DILD), Gallant Venture Ltd. (SGX: 5IG) under Salim Group, China Sonangol Group, Agung Sedayu Group, Agung Podomoro Group, ASRI (Agung Sedayu Real Estate Indonesia), China Sonangol Media Investment, Lippo Group, Dua Mutiara Group, Pacific Place Jakarta, MRA Group, Niaga Graha Cipta, Mulia Land, Bank Indonesia (as a central bank), Club Med, Bintan Resort Development Corporation (BRDC), etc

KONE—a global leader present in 60+ countries—is renowned for engineering excellence in urban mobility solutions, with iconic projects including iconic projects including big developments such as Marina Bay Sands, the under-construction Jeddah Tower, One World Trade Center in New York, The Shard in London, Burj Khalifa in Dubai, Sydney's Barangaroo development, and the Louvre Abu Dhabi. The corporation has earned consistent industry recognition: Forbes' Most Innovative Companies (2014), EcoVadis Gold for sustainability, Dow Jones Sustainability Index inclusion, and multiple design awards (Red Dot, iF Design). Its ethical operations are validated by Ethisphere's World's Most Ethical Companies designation and Great Place to Work® certifications globally.

Prior to her tenure at KONE, Sarah developed specialized financial expertise as a Futures & Derivatives Market Analyst at a Commodity Futures Trading Regulatory Agency (BAPPEBTI)-regulated brokerage firm in Indonesia. Operating under Financial Services Authority of Indonesia (OJK) supervision and holding memberships with Jakarta Futures Exchange (JFX), Indonesian Derivatives Clearing House (KBI), and Indonesian Commodity Futures Trading Association (ASPEBTINDO).

She was certified by the Indonesia Stock Exchange (IDX)’s Capital Market School, sharpening her technical capabilities in investment analysis, risk management, and portfolio strategy—core competencies for pricing, hedging, and trading in volatile markets.

Her role include:
1| Derivatives Trading & Execution: Actively engaged in regulated markets, executing futures tied to commodities (oil, gold, CPO, agriculture) and financial instruments (equity indices, FX).

2| Risk Management: Applied futures-based hedging to mitigate currency, equity, and commodity exposure from global market volatility.

3| Strategy Development: Built trading strategies blending technical indicators (price action, chart patterns) with fundamental drivers (economic data, policy decisions).

4| Macro & Policy Analysis: Assessed international economic releases, central bank actions (FOMC, BOJ, ECB), and geopolitical shifts to inform derivatives pricing and portfolio positioning.

5| Cross-Asset Integration: Monitored FX futures (EUR/USD, USD/JPY) and equity index futures (S&P 500, Nasdaq-100, Nikkei 225) to capture global risk sentiment and market correlations.

6| Global Market Coverage: Referenced CME, ICE, and Nasdaq data to align strategies with global volatility and liquidity trends.

Investment Facilitation & Public Sector Governance

Sarah’s foundational experience includes working with two key government institutions: the Investment and One-Stop Integrated Services Department (operates under the technical guidance of the Ministry of Investment and Downstream Industry/Indonesia Investment Coordinating Board). In this role, she supported investor facilitation and regulatory compliance processes. The department focuses on various sectors such as Downstream Industry; Manufacturing; Infrastructure and Construction; Energy and Natural Resources; Creative Industry and Tourism; and Agriculture and Plantation, all key areas for investment and development within Indonesia's national investment framework at the regional level. Also, the Library & Archives Services (under The National Archives of the Republic of Indonesia), where she contributed to digital preservation initiatives.

Through this work, she gained critical expertise in navigating multi-layered Indonesian governance systems—government operations, budget management, and regulatory frameworks spanning multiple levels of Indonesian governance, aligned with Indonesian government regulations, including Laws, Government Regulations, Presidential Regulations, Regional Regulations, Presidential Instructions, Ministerial Decrees, and Circular Letters.

Her undergraduate research at the Financial and Development Supervisory Agency (a non-ministerial government institution directly reporting to the President of Indonesia) examined public financial oversight and governance practices at the highest levels of government. The agency is tasked with financial and development oversight, including auditing, consulting, anti-corruption enforcement, and capacity-building in supervision. The research yielded insights into these areas, contributing to a deeper understanding of governance frameworks. The project earned a final evaluation score of 3.5/4, equivalent to ~88% on a standardized 100-point scale.

Brand & Market Growth Strategy

Sarah’s interest in brand and market growth began early, starting as a teenager when she independently designed and sold handmade flannel accessories. This early experience shaped her understanding of product appeal, customer behavior, and direct-to-market selling.

Her professional experience later expanded into leading brand and market growth strategy for a handcrafted jewelry business. With a strong focus on exclusivity and quality, the collections included handmade pieces adorned with Swarovski crystals and seed beads, appealing to both local and international buyers, including collectors in England.

She managed the digital campaign for brand’s participation at INACRAFT (International Handicraft Trade Fair), organized by ASEPHI (Association of Exporters and Producers of Indonesian Handicraft) in collaboration with the Ministry of Trade, Ministry of Cooperatives & SMEs, Ministry of Industry, and supported by the Jakarta Provincial Government, with outreach across Southeast Asia and Asia-Pacific.

She built and launched the official M’Lady’s website, focusing on modern design, user-friendly navigation, and clear content to strengthen the brand’s digital presence. She also executed targeted digital campaigns to increase visibility and audience engagement.

Sarah is a Member of the Institute of Indonesia Chartered Accountants (IAI) - the official professional body representing accountants in Indonesia and an Associate Member of Chartered Accountants Worldwide. A founding member of the International Federation of Accountants (IFAC) and the ASEAN Federation of Accountants (AFA), IAI is responsible for the development of Indonesian Financial Accounting Standards (PSAK), which are aligned with International Financial Reporting Standards (IFRS). IAI also issues specialized standards, including those for Sharia accounting, integrating principles from the Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI), and standards for the public sector, supporting reform through convergence with International Public Sector Accounting Standards (IPSAS).

As an IAI member, Sarah adheres to the International Ethics Standards Board for Accountants (IESBA) Code of Ethics and the Indonesian Financial Accounting Standards (PSAK) framework, ensuring independence, professional integrity, and governance compliance across all engagements. She is part of a professional network committed to high-quality, ethical, and globally aligned accounting practices, and contributes to key initiatives such as sustainability reporting, digital transformation, and public financial management enhancement — Sarah hold Bachelor’s degree in Economics, Major in Accounting (awarded an academic excellence grant via a competitive merit-based admission pathway). Her academic foundation includes advanced coursework in:
• Auditing Specialization: Forensic Audit, Management Audit, Public Sector Audit, State Financial Audit
• Financial Competencies: Financial Accounting, Company Budgeting, Cost & Management Accounting
• Regulatory & Governance: Public Sector Accounting, Professional Ethics, Taxation
• Cross-Border Finance: Investment & Portfolio Management, International Business

Sarah was selected for the competitive Jakarta-Silicon Valley Founder Institute program (Spring 2023; <30% acceptance rate)—a top-tier global accelerator with a demonstrated track record: 6,800+ startups launched across 200+ cities, $2.5B+ in aggregate funding raised, 150+ exits (acquisitions/IPOs), and a 4,000+ mentor network.

Sarah has also been admitted to the Valar Institute’s MBA in Leadership & Management at Quantic School of Business and Technology (acceptance rate <13%), where she was awarded the 2025 Apex Scholarship—a merit-based award for high-performing professionals.

The Valar Institute is distinguished by:
1) Elite alumni network
Professionals at : Finance & Banking (JPMorgan Chase, Goldman Sachs, Morgan Stanley, HSBC, Barclays, Bank of America, Citi, RBC, Capital One, Nasdaq, Fidelity Investments); Consulting & Professional Services (McKinsey, BCG, Bain, Deloitte, Accenture, PwC, EY, KPMG); Technology & Software (Google, Amazon, Tesla, SpaceX, Microsoft, Meta, Apple, Oracle, IBM, Cisco, Siemens, Adobe, TikTok, ByteDance, Palantir, Salesforce, Zoom); Healthcare & Pharmaceuticals (Pfizer, Roche, Novartis, Johnson & Johnson, Kaiser Permanente, Takeda, Abbott, AbbVie, GSK); Consumer Goods & Retail (Coca-Cola, PepsiCo, L’Oréal, Nestlé, Procter & Gamble, Unilever, Adidas, Nike, IKEA, Disney, Pret a Manger); Energy & Manufacturing (ExxonMobil, Shell, BP, Boeing, 3M, GE, Lockheed Martin); Transportation, Platforms & Hospitality (Uber, Airbnb, Marriott, Stripe, Shopify) and other Fortune 500/tech leaders.

2) Global network
15000+ professionals across 150+ countries

3) Ivy League-Caliber Curriculum & World class faculty
Crafted by former professors from institutions like Harvard, Stanford, and MIT, the curriculum fuses academic rigor with real-world business relevance. Courses are delivered by seasoned executives, Ivy League educators, and industry leaders with experience at firms such as Google, McKinsey, NASA, and BlackRock. Learners benefit from personalized mentorship and direct access to experts in entrepreneurship, strategy, technology, and finance.

4) Industry recognition
Ranked among the top 50 tech MBAs (Kaiser Associates); featured in Fast Company, Financial Times, and EdTech Digest.

5) Rigorous accreditation
Licensed by the District of Columbia Higher Education Licensure Commission (Washington, DC) and accredited by the Distance Education Accrediting Commission-DEAC (recognized by the U.S. Department of Education and the Council for Higher Education Accreditation-CHEA), with additional State Authorization Reciprocity Agreement (SARA) membership and Bureau for Private Postsecondary Education (BPPE) licensure for California operations.

6) Entrepreneurial Focus & Outcomes
Capstone initiatives and venture labs are structured as high-stakes simulations of real startup ecosystems, designed to sharpen strategic thinking, investor communication, and operational execution.

Early Foundations in Global Scale Industry

During her early teens, Sarah attended a private school established by the Founder and Chairman of Royal Golden Eagle (RGE), a $35B Singapore-based global group with operations across Asia, the Americas, and Europe.

She gained early exposure to global-scale manufacturing, sustainability strategy, and operational discipline through direct exposure to RGE’s subsidiary, APRIL Group—one of Asia’s largest integrated pulp and paper producers, managing over 480,000 hectares of plantation forest, with an annual production capacity of 2.8M tonnes of pulp, 1.15M tonnes of premium office paper, and Its flagship PaperOne™ brand is distributed in over 110 countries.

Participated in science competitions and site visits that offered a close-up view of large-scale industrial operations, including sustainability systems such as wood legality verification and conservation initiatives in collaboration with World Wildlife Fund (WWF). Observed firsthand the integration of structured systems, multinational workforce dynamics, and execution aligned with global business standards.

Civic & Social Philantropist

1. Education & Child Empowerment

Sarah’s contribution to society is reflected in her involvement as a Facilitator of Inspiration Factory Foundation, where she leads learning initiatives for underserved children. Drawing on her prior guidance from a psychologist on handling children, she helps them build confidence and overcome adversity through a structured, values-based curriculum.

She has also donated a curated selection of books from her personal collection, accumulated from childhood to the present, to mobile and regional libraries, with the intention of enhancing access to educational resources and fostering a culture of reading within underprivileged communities.

2. Women’s Empowerment & Human Rights

Sarah is a member of Light of Women, a community dedicated to supporting disadvantaged women and children in Indonesia. Driven by a sense of social responsibility, the community works to improve quality of life in less privileged areas while fostering a positive environment where every woman is empowered to uplift others.

3. Youth Leadership & Advocacy

Sarah is also a member of the ASEAN Youth Leader Association Indonesia, Indonesia Student Youth Forum, and Youth Red Cross Club. Furthermore, she has collaborated with the United Nations Department of Economic and Social Affairs, Google, and 2030 Youth Force to advocate for the establishment of secure environments for young people with the campaign ‘Safe Spaces for Youth’ on International Youth Day.

Moreover, she has participated as a delegate in the ASEAN Xchange, Asia Pacific Students for Liberty Conference, Indonesia Youth Forum, and Indonesia Student Forum. As part of her community action work during the Indonesia Youth Forum, she participated in tree-planting activities at Babakan Siliwangi urban forest and helped coordinate the distribution of 1,000 milk cartons during Car Free Day in Dago, both located in Bandung, the capital city of West Java, Indonesia. She also took part in tree planting at Ragunan Botanical Gardens in Jakarta.

She has actively engaged with key national leaders and participated in national forums and discussions on policy, youth development, and innovation, including:

• Discussed national issues with Indonesian economist and 11th Vice President Prof. Dr. H. Boediono, B.Sc., M.Ec., at the national palace, in an event also attended by former Minister of Youth and Sports of the Republic of Indonesia Andi Alifian Mallarangeng.

• Engaged in dialogue with former Deputy Speaker Taufik Kurniawan at a discussion forum held at the House of Representatives and the People’s Consultative Assembly of the Republic of Indonesia complex.

• Participated in a discussion at the U.S. Embassy’s American cultural center.

• Took part in dialogues with former Minister Linda Amalia Sari Gumelar at the Ministry of Women’s Empowerment and Child Protection of the Republic of Indonesia.

• Engaged in discussions with former Minister Syarifuddin Hasan at the Ministry of Cooperatives and Small and Medium Enterprises of the Republic of Indonesia.

• Participated in dialogues with former Minister of National Education Dr. KH. Muhammad Nuh, DEA, at the Ministry of National Education of the Republic of Indonesia.

• Participated in a national policy forum, directing a strategic question to Minister of Finance of the Republic of Indonesia Sri Mulyani Indrawati, S.E., M.Sc., Ph.D., to underscore the alignment between a presidential candidate’s digital economy agenda and Millennial-driven innovation, supporting public perception during the election cycle.

• Took part in a national youth-focused discussion forum at the Independence Building, engaging in conversations on leadership and youth development. The youth forum was attended by distinguished Indonesian leaders including K.R.M.T. Roy Suryo Notodiprojo (former Minister of Youth and Sports of the Republic of Indonesia), Basuri Tjahaja Purnama (former Regent of East Belitung), Elvyn Masassya (former CEO of Jamsostek), Hugua (former Regent of Wakatobi), and Ayi Vivananda (former Deputy Mayor of Bandung), who shared their leadership journeys and views on empowering the next generation.

4. Community Development

Sarah dedicated two months to a community service program, under Ministry of Education, Culture, Research, and Technology of the Republic of Indonesia, working in rural areas to drive impactful education, health, and community development initiatives, aimed at enhancing local well-being and fostering inclusive growth.

5. Public Health & Scientific Contribution

Sarah’s contributions to public health were recognized when she became a Regional Champion in the National Narcotics Board (BNN) Writing Competition, addressing issues related to narcotics.

Additionally, she was a National Finalist in the Appropriate Technology Exhibition organized by the Ministry of Villages, Development of Disadvantaged Regions, and Transmigration, in collaboration with the Ministry of Home Affairs of the Republic of Indonesia. There, she presented her research to the public—work that was developed when she won first place in the Regional Science Research Competition hosted by the Indonesian Institute of Sciences (LIPI), where Prof. Yohanes Surya, Ph.D., a prominent Indonesian scientist, served as one of the jury members.

In another year, She also contributed her research to LIPI following a first-place award in the National Youth Science Research Paper Competition hosted by the Indonesian Institute of Sciences (LIPI), based on fieldwork at PT Timah Tbk (IDX: TINS) – a vertically integrated, state-owned enterprise producing > 20,000 metric tons of refined tin annually, representing approximately 6 – 8% of global supply, and underpinning Indonesia’s position as the world’s second-largest tin producer.

6. Cultural Preservation

To support the preservation of intangible cultural heritage, Sarah authored a folklore book based on oral histories. She personally traveled to remote areas to find and interview local individuals, and later submitted the work to the Arts Council.

Beyond the Office

Beyond her professional pursuits, Sarah approaches life with energy and enthusiasm. She embraces adventure through high-intensity workouts such as F45, CrossFit, Barry’s, and the Chloe Ting challenges, as well as outdoor activities like Golf and Surfing.

She also enjoys music, often singing and dancing. She attends music event such as Ultra Music Festival or DWP.

A Sybarite, Sarah appreciates the finer things in life, including a well-crafted Negroni, her preferred wines, and champagne. She seeks out dining experiences that reflect her deep appreciation for gastronomy. She holds a certificate of participation from the Gastro Asesora workshop by the Indonesia Gastronomy Association.

In her free time, she explores the intricacies of human psychology, fashion, and design, stays engaged with podcasts and documentaries, follows Formula 1 racing, SG ART, Art Basel, and hones her culinary skills. She attends fashion events as mood boosters.

Culturally, she finds meaning in collecting art, traditional garments and textiles—such as kebaya, songket, and heritage fabrics—and jewelry made from natural stones, seed beads, and pearls as a way to honor craftsmanship and regional identity.

Sarah balances high-energy activities with slow living and nature. She attends wellness retreats, follows neuroscience-based mental wellness, and resets via low-stimulation habits: YouTube ride videos (walking, biking, trains), nature sounds, and phone-free walks or jogs. This reflects her love for nature, balance, recovery, and self-care.