Rico Usthavia Frans

Rico Usthavia Frans is Senior Executive Vice President of Transaction Banking in Bank Mandiri.  He is a seasoned banker with more than two decades of experience in both corporate and consumer banking – specialising on strategic marketing, product development, e-banking, and transaction banking.
He is experienced in managing bank wide transaction banking business, including cash management, trade supply chain, retail payment and e-channel for wholesale and retail segments. During his time at Bank Mandiri, he has grown the ATM network from 5 to 12 000, launched Mandiri mobile apps, and also piloted branchless banking. Before he joined Bank Mandiri, he was the country marketing director at Citibank.
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