Indonesian citizen, 56 years old. Domiciled in Indonesia. Appointed Director at the 2016 Annual GMS for a five-year term, approved by the OJK on August 8, 2016. The latest appointment was effective since the 2021 Annual GMS for a five- year term.

Duties and Responsibilities

Director of BCA, responsible for Transaction Banking Business Development & Marketing, Transaction Banking Partnership Solution Development, Transaction Banking Product Development, and Transaction Banking Business Support & Services.


On 2015–2016 served as Head of the Consumer Card Business Services & Supports Group, Head of Merchant & Consumer Credit Card Group (2012–2014), Head of Credit Card Business Unit (2009–2012), Head of Small & Medium Business Division (2005–2009), Deputy Head of the Consumer Network Division, Deputy Head of the Service Network Division and Deputy Head of the Sales & Network Division (2000- 2005) and Head of Marketing Area Bureau (1998–2000). Throughout his career, he has held various managerial positions, including Head of Marketing for Non-Jabodetabek Areas II (1996–1998). Joined BCA in 1992 as Head of Administration Support.

Santoso also active as Chairman of the Indonesian Payment System Association (ASPI) (June 2021 – now), Vice Secretary General of ASPI (August 2020 – June 2021), Chair of Research, Assessment and Publication (RPP) at the Indonesian Bankers Association (IBI) (2019-present), Chairman of Committee VII of ASPI (2016–2020), Member of Board of Executives of the Indonesian Credit Card Association (AKKI) (2013–present), Commissioner of PT Abacus Cash Solution, a cash management service provider (2010–2016), and as Head of BCA Pension Fund (2003–2016).


Graduated from the Faculty of Engineering at Universitas Trisakti, Jakarta (1989).


No financial relationship, stock ownership relationship, and/or family relationship with members of the Board of Commissioners, fellow members of the Board of Directors, and/or the controlling shareholders of BCA.

Concurrent Position

No concurrent position as a member of a Board of Commissioners, Board of Directors, or Executive Officer at other banks, companies, and/or institutions.


During his career, he has accumulated extensive experience in various areas and assignments, including in transaction banking business development, retail payment settlement, business partnership, consumer card issuance & acquisition, and digital banking & financial technology.