PRIVATE BANKERS (MONEY MANAGERS), Investment, and Financial Services. We provide exclusive investment-related advice and goes beyond managing investments

INVESTMENT & CORPORATE BANKING as follows: Banking Risktech Strategy & Transactions Capital Services, Risk Technology & Management Consulting, and Money Managers Professional Certifications & Education.

RISK MANAGEMENT INDONESIA & ACTUARIAL as follows: EMPLOYEE BENEFITS & ACTUARIAL SERVICES are as follows: Human Capital Advisory, Compensations & Benefits consulting, Group Retirement Plans solutions, Outsourcing, Investment consulting. HUMAN CAPITAL & INSURANCE RESEARCH are as follows, Advisory Services: Develop findings, conclusions and recommendations to be considered and decided by clients (strategic planning, etc.). Actuarial Services: Accounting & actuarial services, pricing, reserving, asset & liability management, dividend & capital management. Financial & Insurance Training Services.


 LAG FINANCIAL  is CAPITAL RISKTECH INSURANCE SERVICES CORP. LAG FINANCIAL was established based on the regulation of wholesale of computer software, information technology consultancy and risktech capital insurance strategy & transactions management services legislation in European Union, Indonesia, and Singapore. The LAG FINANCIAL was established on September 21, 2018 in Jakarta and Singapore. Our Financial Services are providing money manager, risktech & investment services which encompasses a broad range of business, including services: Risktech Capital Insurance Strategy & Transactions Management Services, Management Consulting Indonesia & Actuarial, Risktech Capital Insurance & Property Management Institute.

LAG FINANCIAL are the Holding of our Risktech Capital Insurance & Property Services Management Company consisting of: LAG RISKTECH CAPITAL INSURANCE STRATEGY & TRANSACTIONS SERVICES, LAG CONSULTING INDONESIA & ACTUARIAL, LAG RISKTECH CAPITAL INSURANCE & PROPERTY INSTITUTE.  We offer a wide range of Banking Risktech & Management Services to our clients, as follows: Risktech Capital Insurance Strategy & Transactions Management  Services, Management Consulting Indonesia & Actuarial, and Risktech Capital Insurance & Property Management Institute,

The tremendous business growth by our clients and their increasing requirements offer us immense challenge and great opportunity to assist them in improving their performance. Thus, we always strive to give our best to develop and increase our quality of professional services to embrace to the challenges and opportunities. We expect that with our excellence knowledge and broad experience as well as support from our Worldwide Partner, we could deliver value services to our clients and become an imperative part of the global community, gathering the challenge and commitment of defining the future of ourselves and for those we serve as well.

Our Philosophy 

'Create and nurture positive employee and customer relationships.'

Our philosophy is to create and nurture positive employee and customer relationships where we all are better as a result of having one another in each other's lives. The pragmatic application of this phylosophy is to ensure that there is a constant flow of respect for time, care for each other's well beeing and support for our mutual success in the form of providing instructions, knowledge and resources necessary to get the job done to the best of everyone's ability. 

Our Vision is become a trusted Risktech Capital Insurance & Property Management Services Corp on behalf of one or more Individuals and Business (Corporations, Companies, and Institutions). 

Our Mission:

* Creating profitable business as well as healthy & competitive business climate.

* Provide motivation to employees to carry out responsibilities and preserve the company's image, and perform new breakthroughs and making innovations in the fields of Risktech Capital Insurance Strategy & Transactions Management Services, Management Consulting & Actuarial Services, Risktech Capital Insurance & Property Management Institute.

* Making LAG Financial a trusted and leading company in providing the best service to customers, and becoming strategic partner for our clients by providing them high quality Risktech Capital Insurance Strategy & Transactions Management Services, Management Consulting Indonesia & Actuarial, Risktech Capital Insurance & Property Management Institute to increase their business performance.

LAG FINANCIAL are as follows:



PT. Han Leontama

LAG RISKTECH CAPITAL INSURANCE STRATEGY & TRANSACTIONS SERVICES is an Indonesia Europeen Singapore Holding Corp engaged in:

Risktech & Investment Allocation Strategy, Capital Transactions & Merger Acquisition, Commercial Property Acquisitions & DeveloperPrivate Banking & Wealth Banking, Financial Analysis, Investment Analysis, Investment Banking Policy, Modelling & Risk Technology Valuation, Liability & Financial Risk Management.

• Risk Technology  ADDACTIS®  Investment Banking & Capital Modeling ,  Reserving ,  IFRS 17 ,  Pricing , Banking Technology, Payment Technology, Processing Services, Information Based services, Risk Management, Insurance Brokerage.


PT. Ricky Leonard Jasatama  

LAG CONSULTING INDONESIA & ACTUARIAL (RLJ CONSULTANTS), is a Management Consulting Company engaged in Risk Technology Management, Insurance Brokerage, Advisory & Actuarial Services, and Benefits & Human Capital.  LAG® :  Insurance & Banking ,  Accounting Actuarial ,  Benefits & Pensions ,  Human Resources  is Brand of Actuarial Software RLJ CONSULTANTS for Employee Benefit Programs, Pension Funds, and Insurance Companies. Our wider Services area are: Total assurance, Pension, Education, Merger & acquisition, and Finance & investment. 



PT. Haan Leontama

(National & International Curriculum Program)

LAG RISKTECH CAPITAL INSURANCE & PROPERTY INSTITUTE, is a Division of Management Consulting & Education Company engaged in Certification & Financial Education Institute (IBR INSTITUTE & PBI INSTITUTE), Risk Technology for Bancassurance, LAG Banking Risktech Software®, and Merger Acquisition Business & Property. Corporate Strategic Partners: ADDACTIS WW Risk Technology for Insurance Company France Belgium, PBI Institute, Association Financial Services Professionals (APRDI, IFSA, AAMAI), Department of Banking Risktech & Investment Management of Universities, Europeans Actuarieel Services. Financial Services Instiutions (Bank Permata, CIMB Niaga, Danamon, OCBC NISP, BCA, Mandiri, BNI, UOB, BCA Finance, Indosurya Finance, ALLIANZ WW Netherlands). LEONWHITE FINANCIEEL & ACTUARIEEL SERVICES is one of the main Neherland management consulting companies who develope Employee Benefits & Insurance Actuarial Machines LAG® Software, main role since 2003.  

Our core values are Priority Clients Service, Trust, Integrity, Excellence, and Accountability.

We have excellence quality through professional experience, integrity, and capability in the Sectors of Risktech Capital Insurance Strategy & Transactions Services Corp, Management Consulting Indonesia & Actuarial, and Risktech Capital Insurance & Property Management Institute.


Our Professional Team  

Our Excellence Management
The member of Our Senior Management are specialized expertise Professionals who have 17 years up to 38 years professional experiences in companies as follows: Risktech Capital Insurance Strategy & Transactions Services Corp Dutch Belgium WW (ADDACTIS® WW, ALLIANZ WW, ING WW, CREDIT AGRICOLE WW, National ASIA FINANCIAL CORP), Management Consulting Indonesia & Actuarial (Employee Benefits & & Actuarial Services and Human Capital & Insurance Research), Risktech Capital Insurance & Property Management Institute (IBR Institute, PBI Institute, WAPERD, PAI, AAMAI, IAPI, etc.), Netherland England WW & Asia Companies (Life insurance, wealth management & Reinsurance),  Netherland WW & Indonesia Companies (Trading & Investment Services Companies), Financiers, Bankers, Insurers, and Actuaries. We have high expertise and experienced in our industry and well trained vice presidents (VP), business partners (BP), manager, senior consultants, business executives (BE), and consultants, assets that are necessary in delivering high quality services professionally and with integrity to our clients in various industries. 

Our Global Network


LAG® Singapore Dutch Europe Worldwide Risk Technology Capital & Insurance is a Global Network delivering first class actuarial services and software for the insurance and reinsurance sectors alike, with Subsidiaries in Belgium, Netherlands, Spain and Columbia, and Partnerships in Europe, Africa and Asia, with more than 50 Countries in Continents of Europe, Africa, Latin, Asia and Oceania, with users more than 5000, with clients more than 500 insurance & reinsurance companies Worldwide, and has been operating for more than 29 years Worldwide. The Libraries team is located in Brussels and is dedicated to developments, controls and communications of The networks models regarding Solvency 2 subjects, modeling in Life and Non-life insurance, Capital modeling, analytics methods, financial issues etc. LAG® WW Offices arround the World are: Dutch, Belgium, France, Spanish, Portugal, Columbia, Singapore, Turky, Mexico, Chile, Brazil, Moroko, Italy, Poland, Rusia, and Switzerlands.


ALLIANZ is a multinational financial services company headquartered in Munich, Germany. Its main business is insurance. In 2013 Allianz was the 25th largest company in the world by a combined measure by Forbes magazine. Allianz was first established in 1890.





IBR INSTITUTE (Investment Bankers & Risktech Association)

PBI INSTITUTE (Private Bankers & Investment Association)


BCA Finance, Indosurya Finance, BFI Finance.

IFSA (Indonesia Finance Services Association)

AEI (Asosiasi Emiten Indonesia)

REI (Real Estate Indonesia Association)

APRDI (Asosiasi Pengelola Reksa Dana Indonesia)

IAI (Ikatan Akuntan Indonesia)

ADPI (Asosiasi Dana Pensiun Indonesia)

PAI (Society of Acuaries of Indonesia)

AAMAI (Asosiasi Ahli Manajemen Asuransi Indonesia).


Our Professional Team

Begin your career as Executives (Consultants) to open your horizon to the science of actuarial consulting, business financial & real estate and benefits insurance & risk management world.

Professional Team Development

Our people development is combined on the job training, classroom training, coaching and mentoring to enhance your competence and leadership. Our development program provides some program for instance weekly knowledge sharing, core financial, insurance, and financial reporting actuarial training, industry update training, regulation update training, as well as professional excellence program for all actuarial team work in accordance with its level. We work along with some expertise speakers as well, for specific topic whereas you able to absorb their knowledge and experiences.

Career Ladder

Our structured career path is established for each individual who wants to catch up as part our success to continue for growing and developing. We open as wide as posibble for someone who wants to occupy carrer as partner. Everyone has an opportunity and space to demonstrate their competency and profesionalism through the best performance on each engagement.

Our Team Work and Working Atmosphere

Our work give priority teamwork in every assignment that is supported by conducive working atmosphere to always share knowledge. There is no limitation in the discussion between Executives (Consultants) and Partner, and as well as with our colleague such as accounting, legal, appraisal, and taxation experts to deliver the best services to our clients.

Independent Auditors Acceptances:

KPMG, EY, PWC, Deloitte, RSM, Moore Stephens, BDO, Crowe Horwath, DFK, PKF, Mazars, HLB, Kreston, Baker Tily, BKR, Grant Thornton, Rodl, Morison, CBIZ, BKD. 


Explore your excellence and competence to grow with us.

•Passionate risktech capitals, actuaries, insurance, and developer professionals • Delivering unique value.



Bank Indonesia | PBI Institute | IAPI | OJK | Departemen Keuangan

By Utama Kreatif