Management Team

FWD Life is supported by a strong management team with solid experience in the insurance industry. 



Board of Commissioner

Chairman and Independent Commissioner:
Nurmala Kartini Pandjaitan Sjahrir
Commissioner:
Teddy Tjahjono
Commissioner:
Arthur Lee King Chi
Independent Commissioner:
Tanadi Iwan Saputra Tanjung
Independent Commissioner:
Dily Rosi Timadar
Commissioner: Binayak Dutta 

Board of Directors

Anantharaman Sridharan

President Director

Anantharaman Sridharan (Anantha) is the President Director of FWD Life Indonesia. Anantha is responsible for the overall development of FWD’s business operations in Indonesia.

Anantha has nearly 20 years of experience in the life insurance industry, predominantly in distribution management. He has successfully set up and managed large agency distribution teams in India, Vietnam, Indonesia, Philippines and overseen agency operations in Thailand, Malaysia and Sri Lanka.

Anantha oversaw the strategic development of FWD Group’s agency channel before he was appointed as CEO of FWD Life Vietnam in April 2016.  

Prior to joining FWD, Anantha was a Regional Chief Agency Officer at AIA, managing agencies across various emerging markets of South East Asia, looked after distribution, product and customer strategy. 

Before his tenure in AIA, he worked at AXA and Prudential across various Asian markets. He was one of the first sales team members at Prudential in India, going on to spend a total of eight years with Prudential, four years each in India and Vietnam.
Anantha started his career in FMCG industry in India, and he holds a Bachelor of Pharmaceuticals (Hons) and an MBA in Marketing.

Adit Trivedi

Director, Chief Financial Officer

Adit Trivedi is a seasoned actuary with over 25 years of experience in in managing Finance, Actuarial, Investment and Risk teams and most recently leading a transformation team of senior executives including Operations, Actuarial, Finance and Product Development across the FWD Group. He was previously Chief Financial Officer (CFO) of FWD in Thailand and Singapore. With his experience across Asia and the UK, he has held a number of leadership roles throughout his career, including as Chief Risk Officer (CRO), CFO & Finance Director, as well as Appointed Actuary, in major insurance companies and top consulting firms.
He is a Fellow of the Institute of Actuaries (UK) with a master’s degree from Cambridge University (UK) in Mathematics. He provided technical support in the development of the RBC guidelines and framework in Malaysia; and has actively participated both as a speaker and participant in various seminars across Asia.

Ade Bungsu

Director, Chief Product & Sharia

More than 19 years of experience in product proposition, marketing actuary, sharia and marketing. Experience in developing and growing Sharia business unit. Former Deputy Chairman of the Society of Actuaries of Indonesia (PAI).

Maria Magdalena

Chief Governance Officer & Compliance Director

Maria now is Compliance Director of FWD Life. 
Previously, Maria oversaw legal, compliance and risk function in AJBB. She graduated from one of the best law school in Indonesia, University of Indonesia, and has extensive experience with more than 22 years in insurance, banking and financial industry.

She has been with FWD Life since the beginning as the Chief Legal and Compliance and Risk Officer and has proved her capability to set up an insurance company with strong governance especially from Good Corporate Governance and Risk Management perspective. 

Prior to joining FWD Life she was a General Counsel in one of the largest insurance company in Indonesia.

She also has an experience in handling merger, acquisition and restructuring transaction during her time in one of the prominent law firm in Jakarta.


Senior Management Team

Adi Chandra

National Chief Agency Officer

Experienced in financial industry for more than 10 years in managing Corporate Communications, Sales & Marketing, as well as Consumer Banking. He was previously Chief Marketing Officer for FWD Life Indonesia and has had a number of leadership roles throughout his career including as Chief Customer Officer, Group Head Marketing and Development, and Assistant Vice President in insurance and banking companies. He is trained and certified in various field of expertise including international commerce, organizational management, marketing and selling, as well as customer finance.

Carol Mary Quertier

Chief of Technology and Operation

A professional in the field of Business Administration who is currently responsible to supervise and managing the the New Business, Underwriting, Customer Service, Policy Administration, Claims and Information Technology teams in FWD Vietnam.

Throughout her career, she has served as Chief of Operation, Head of Strategic Initiatives, Vice President Strategic Management Office & Chief Operations Officer, Chief Strategy & Development Officer, Chief Marketing Officer, and Business Support Manager in several other companies.

Carol completed her education in 2000 at the Royal Melbourne Institute of Technology and achieved her degree as a Master of Business Administration for International Management. In 2016-2018, Carol received an award from AAJI - Head of COO Forum Claims Working Group on co-ordinated change initiatives and best practice knowledge sharing sessions related to claims management; submitted white paper to OJK on industry claims experience.


Maika Randini

Chief Marketing Officer

A marketing and communication professional with more than 10 years of experience for local and multi-national companies in Indonesia and Southeast Asia. She was named as one of the Top 30 Talents in Asia Pacific, Middle East and Africa in well known research company. During his tenure at one of insurance company, she led the customer centricity project and succeed to increase customer satisfaction.

Pedro Amor

Chief Corporate Care

Employee Benefits expert with more than 35 years of experience in the reinsurance and life insurance industry, mainly overseeing the distribution, client services, claims and provider relations, quotations & policy services. Experienced in developing the Employee Benefits business, Group Life, Personal Accident, Health Insurance and Financial Institution Pension Fund (DPLK).

Rudy Franto Manik

Chief Human Resources Officer

Rudy is a Human Resources professional with more than 10 years of experience in multinational and local companies in Indonesia. Prior joining FWD Life, he was Chief Human Resources Officer in a financial company and previously had a role as Head of Human Resources and Corporate Career Development & Training Manager. Throughout his career, he was responsible in managing Recruitment & Selection, Learning & Development, Talent Management, Compensation & Benefits, Industrial Relations, Internal Communication, Corporate Responsibility, Diversity & Inclusion and Health & Safety functions.

Rudy is also experienced as a speaker for various topics, such as effective performance management, achieving new skills & competencies to become digital employee, and effective communication. He is trained and certified for Certified Risk Governance Professional (CRGP) from LSPMR and Certified Human Resources Manager from the American Certification Institute (ACI). He graduated from Atma Jaya Catholic University of Indonesia where he obtained his Master of Management in Human Resources degree.


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PT FWD Life Indonesia (“FWD Life”) is a joint-venture insurance company and a member of FWD Group.

We have built a strong business foundation supported by highly committed shareholders.

FWD Life works with online payment provider partners to provide a quality service that is fast, easy and secure.