JAKARTA - The Directorate of Special Economic Crimes (Dittipideksus), Bareskrim Polri, found several new facts about the alleged theft of the Maybank account of the e-Sport athlete Winda Lunardi alias Winda Earl.
From the questioning of the suspect, Albert on Monday, November 16, the police learned that the suspect had an account to store the flow of funds from Winda's account.
"The suspect, Albert, admitted that he had an account to accommodate the cash flow of payments or refunds that the suspect had borrowed from customers," said the Director General for Special Economic Crimes at Bareskrim, Brigadier General Helmy Santika, to reporters, Tuesday, November 17.
From a temporary examination, the money in the deposit account was used by Albert for his personal needs, including buying a house.
"For payments for home purchase transactions and credit card payments and the suspect's needs," said Helmi.
With this fact, there is a possibility that Albert's account breach was not the first time. However, the investigation team is still investigating this allegation.
Likewise, the number of accounts belonging to Albert which are used as storage places. So far the police have not been able to confirm the number.
"Currently, investigators are still doing research," he said.
Based on the results of the investigation, the police found out that Albert was using the method to break into Winda's account.
Initially, Albert, who was then the Head of the Cipulir Branch, visited Herman Lunardi's office to leave several documents that had to be signed by Winda.
The documents include, among others, customer personal data applications, blank account opening forms, and several application slips for money transfers and transfers.
After obtaining the data, Albert took him to the office to be entered into the system. But before that, he included another phone number in the system to anticipate suspicion when Maybank checked the data.
After the account creation is complete and the account balance is transferred, proof of making accounts such as books and ATM cards has never been given to Winda. In fact, the two proofs of ownership of the account were kept by the suspect.
"(Supposedly) customers were given books and ATM cards but the suspect did not give them to Winda customers," he said.
Next, Albert moved the money in that account to the new account he created. Transfer is carried out with a document that has been signed by Winda.
In fact, at the time of signing the document, it was suspected that Winda did not know the true intent and purpose of the document.
The transfer of Rp. 6 billion was carried out by purchasing an insurance policy. Albert's initial goal was to fulfill the branch's target.
"The suspect admitted that the Rp6 billion prudential flow to prudential was correct and the prudential filing was carried out by way of transferring Winda to an account that was previously signed by Winda," he explained.
Prudential insurance was also made on behalf of Herman Lunardi. Then it was disbursed to Herman's account, which was managed without anyone's permission.
"The prudential insurance money was made in the name of Herman Lunardi and disbursed into Herman Lunardi's account worth Rp4.8 billion, which the management of the account is the suspect himself without Herman Lunardi's knowledge," explained Helmy.
Neat and StructuredThis tricky-looking burglary mode is considered to be very neat and structured. This is because Albert can get Winda's signature and use it for personal gain.
Financial Planner Safir Senduk argues, with this neat impression mode, it can be said that actors have great knowledge in banking. So, you can take advantage of this gap to deceive the victim.
"This is his structured overstatement. This bank man (Albert) knows very well, he knows the routes," said Safir.
Even if you reflect on banking regulations, the suspect has violently violated ethics. Although it is believed Albert's crime was by taking advantage of the victim's trust.
This means that when the suspect can easily get Winda's signature, even though the method is entrusted, this shows that the victim already has trust. Thus, handing over all management to the suspect.
"It is from that sense of trust that he (the suspect) might be used. So, he can commit the crime," he said.
Forgetting the Initial PurposeRegardless of the modus operandi, these large sums of money had an impact on Albert's initial shaky intentions. The only goal of achieving the company's target faded instantly.
The money from the crime was used for foreign exchange (forex) transactions. The suspect handed over to some of his colleagues the money to be turned around for profit.
"The money is transferred to his friends and then invested, rotated for profit," said Karo Penmas, Police Public Relations Division, Brigadier General Awi Setiyono.
But it was not clearly explained the amount and identity of Albert's colleague who received the money. However, they are said to be outsiders of Maybank.
In addition, investigators are still investigating their role. Because, it is not impossible that they will also be named as suspects.
"The suspect's friends may be potential suspects, who are turning the proceeds of crime," said Awi.
This case began when an e-sports athlete, Winda D Lunardi alias Winda Earl, reported about the loss of money in two colleagues worth nearly IDR 23 billion. The report is registered under the number LP / B / 0239 / V2020 / Bareskrim dated May 8, 2020.
In the report, the money that was lost was the result of saving Winda and her mother, Floletta at Maybank from 2015 to 2020. During five years of saving, the money collected should have reached IDR 22,879,000,000.
However, around February 2020 most of the balances in the two accounts disappeared. Leaving only Rp. 17 million in Floletta's account and Rp. 600 thousand in Winda's account.
In this case the Head of the Maybank Cipulir Branch with the initials A has been named a suspect. Investigators are currently still investigating the assets and flow of funds from the suspect.
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