PRIVATE FINANCE SERVICES, Investment, and Financial Services. We provide exclusive investment-related advice and goes beyond managing investments

ACTUARIAL ACCOUNTING & HUMAN RESOURCES BENEFITS REWARD SERVICES as follows: EXPERIENCED ACTUARIAL ACCOUNTING SPECIALIST SERVICES are as follows Actuarial Accounting, Sciencetech For Insurance & Risk Management, Benefits & Compensation Consulting Chief Actuary, Pension Funds & Group Retirement, ADVISORY & ACTUARIAL SERVICES are as follows: Pricing, Reserving, Asset Liability Management, Dividend & Capital Management. HUMAN CAPITAL & BENEFITS are as follows: Human Resources Consulting, Outsourcing, Investment Consulting.

CORPORATE FINANCE & INSURANCE SCIENCETECH RISK MANAGEMENT SERVICES as follows: Banking Financial & Strategy Transactions, Risktech For Insurance & Management, Insurance Services & Brokerage, Education and Development.

Welcome To RLJ CONSULTING Firma Management Consulting & Financial Investment Services KJA pt. RICKY LEONARD & PARTNERS ACTUARIES REGISTERED



KJA pt. RICKY LEONARD & PARTNERS ACTUARIES REGISTERED (Established 2007)-Member E-SEN SCiTeCHiNDO® Santander RLS Abbey Solution Limited


Firma Aktuaria & Management Advisory and Finance Profesionals-RLJ CONSULTING® (KJA PT. RICKY LEONARD & PARTNERS ACTUARIES REGISTERED), E-SEN SCITECHINDO Santander RLS Abbey Management Consultants Group Solution Limited (Finance Accounting, Human Resources, Information Science and Technology), and Firma Aktuaria especially for Insurance Companies KJA MUNIR LEONARD RAHMATSYAH & PARTNERS (E-SEN MLR Associates).

RLS Management Consultants is Member Of E-SEN SCiTeCHiNDO® Santander RLS Abbey Solution Limited Grupo International and was established based on the regulation of corporate & private finance (banking), actuarial accounting, human capital & benefits, insurance investment pension & technology big data softwares, management consulting, wholesale of computer software, information technology consultancy legislation in Indonesia, England, Asia-Pacific, European Union, and America.  E-SEN Santander RLS Abbey Grupo Solution Holding Company Services or RLS Actuarial Accounting-Finance & Human-Capital Insurance InscTech Investment Companies was established on September 21, 2007 in Jakarta, Amsterdam, Santander, London, Queensland and Singapore, while originally our Company is established on year 2003 in Jakarta. RLS COMPANY is one of the First Actuarial Accounting Finance Banking & Insurance Human-Capital Invetech Pioneers in Indonesia, England, Asia Pacific (Australia & Singapore), European Union, and America and since Year 2003. Mr. Ricky Leonard S, MM., FSAI., CCF., CA., CPF., QIP. is an Experienced Actuarial Specialist (and Qualified FSAI) & Chartered Corporate Finance Accounting Professional (CCF) & Chartered Qualified Insurance Investment Management Professional (QIP) & Insurance Risk Investment Non-Humanoid Robot Developer (Big Data Mechanical Softwares Engineering)  & one of the figures (from a few Indonesian Actuaries) who initiated the birth of Actuarial Accounting-Finance and Human-Capital Benefits in Indonesia, since Year 2003. Our Financial Services are providing actuarial accounting IFRS expertise services (International Financial Reporting Standard) & human capital, banking insurance & pension management, and invetech insurance & pension institutions services which encompasses a broad range of business, including services: Actuarial Accounting-Finance & Human Capital, Banking Insurance & Pension Services, Invetech Insurance & Pension Institutions Statutory Services.

E-SEN SCiTeCHiNDO® Santander RLS Abbey SOLUTION are The Holding of our Actuarial Accounting-Finance Bancassurance & Human-Capital Benefits Invetech Services Companies consisting of:

* Firma Aktuaria pt. RICKY LEONARD & REKAN ACTUARIES REGISTERED-Kantor Jasa Aktuaria & Management Consulting 

Our Brand is RLJ CONSULTING The Actuarial Services For Compliance Accounting Standard & Labor Law  

Mandatory actuarial & accounting human capital benefits services for All Non-Public Listed Capital Market Exchange and Public Listed Capital Market Exchange that the companies activities IS NOT SIMILAR to insurance companies whose main activity is to mobilize and collect public funds, such as savings bundling insurance protection. PT. Ricky Leonard Jasatama is the actuarial Firm that provides dedicated, qualified and responsible actuarial, management consulting and financial professional services to Listed (Tbk) Companies and Non-Listed (Non-Tbk) Companies on the Capital Market Exchange since 2007. Actuarial Services Office & Management Advisor for Compliance Accounting Standard & Labor Law Republic Indonesia (PT. Ricky Leonard Jasatama).


Finance & Data Information Science Technology and Insurance Investment Services

* Firma Aktuaria E-SEN RICKY MUNIR & REKAN ACTUARIES REGISTERED-Kantor Jasa Aktuaria & Insurance Professional 

Our Brand is E-SEN MR & ASSOCIATES The Actuarial Services For Insurance Companies Law & Regulatory

Mandatory actuarial & insurance services for all insurance companies whose main activities are to mobilize and collect public funds, such as savings are combined, packaged and packaged for insurance protection). Actuarial Services Office & Insurance Professional for Compliance Insurance Companies Law Republik Indonesia (PT. Rileos Pratama).


We offer a wide range of Actuarial Accounting Finance & Human-Capital Benefits Bancassurance Invetech Services to our clients, as follows: Actuarial Accounting IFRS Expertises Services, Banking Insurance & Strategy Transactions, Human Capital & Benefits Services, Investment Management & Risktech Services, and Insurance Pension Institutional Mandatory Actuarial.

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 Actuarial Accounting Banking Insurance Investment & Human-Capital Benefits Risktech Services Companies on behalf of one or more Business (Corporations, Companies, and Institutions) and Individuals. 

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 Actuarial Accounting IFRS Expertises Services, Banking Insurance & Strategy Transactions Services, Human Capital & Benefits Services, Investment Management & Risktech Services, and Insurance Pension Institutional Mandatory Actuarial.

* Making E-SEN SCITECHINDO Santander RLS Abbey LIMITED SOLUTION Holding Company a trusted and leading company in providing the best service to customers, and becoming strategic partner for our clients by providing them high quality Actuarial Accounting IFRS Expertise Services, Banking Insurance & Strategy Transactions Services, Human Capital & Benefits Services, Investment Management & Risktech Services, and Insurance Pension Institutional Mandatory Actuarial.

E-SEN SCITECHINDO Santander RLS Abbey LIMITED SOLUTION Holding Services are as follows:



The Advisory & Actuarial Services For Compliance Accounting Standards & Labor Law-PT. Ricky Leonard Jasatama   

Actuarial mandatory for All Non-Public Listed Capital Market Exchange and Public Listed Capital Market Exchange that the companies activities is NOT Similar to insurance companies whose main activity is to mobilize and collect public funds, such as savings bundling insurance protection. 

PT. Ricky Leonard Jasatama is the first actuarial service & management consultant and finance professional Firm that provide actuarial services & management consulting and finance professionals to Non-Listed (Non-Tbk) companies and Listed (Tbk) companies on the Capital Market Exchange.

PT Ricky Leonard Jasatama provides dedicated, qualified and responsible actuarial, management consulting and financial professional services to Listed (Tbk) Companies and Non-Listed (Non-Tbk) Companies on the Capital Market Exchange since 2007.



RLJ CONSULTING INDONESIA (RLJ CONSULTANTS), is a Management Consulting Company engaged in:


PSAK 24 & IAS 19 (Employee Benefits), IFRS 17 & PSAK 74, Actuarial Accounting Business Valuation (Embedded Valuation, Appraisal Valuation), Employee Stock Option, Impairment Asset, Actuarial Accounting, Commercial Banking Specialist & Quants. The Actuarial Accounting & IFRS Reports is Only Up To Companies Board Of Directors & Public Accountants.




E-SEN  SCiTeCHiNDO®  Actuarial Machine Big Data & Software 

 Human Resources  

 Insurance & Banking  

 Financial Accounting 

 Benefits & Pensions  

is Brand of Software & Big Data Machine for Actuarial Accounting IFRS Expertise & Services, Employee Benefit Programs, Pension Program, Human Capital. Our wider Services area are: Consulting, Insurance management, Solvency, Reinsurance management, Profitability (Improve your bottom line), Pension, Education, Merger & acquisition, and Finance & investment. 


LEONGOLD INVESTMENT LTD (RLS Finance & Data Information Science Technonolgy And Property Services) 


Royalties Leongold Scitechindo (RLS Corporation) are Corporate Finance And Data Information Science & Technology Services Company is an Asia-Pacific Indonesia Corp (Asia-Pacific Dutch England Espana Indonesia Company) engaged in:


• Certification Education Finance Professionals (National & International Curriculum Program)is a Division of Management Consulting & Education Company engaged in Certification & Financial Education Institute (CCF INSTITUTE & CPF INSTITUTE), Insurance Risk Investment Technology for Bancassurance, Finance Invetech Software®, and Merger Acquisition Business & Property. Corporate Strategic Partners: CCF Institute, CPF INSTITUTE, Association Financial Services Professionals (APRDI, IFSA, AAMAI), Department of Banking Risktech & Investment Management of Universities, Europeans Actuarieel Services. Financial Services Instiutions (ABBEY SANTANDER, Bank Permata, CIMB Niaga, Danamon, IRISGREEN, OCBC NISP, BCA Life, Mandiri, BNI, UOB, BCA Finance, Indosurya Finance, ALLIANZ WW Netherlands). 

Corporate Finance & Merger Acquisition, Strategy & Transactions, Commercial Property & Development, Private Banking & Wealth Banking, Financial Analysis, Investment Analysis, Corporate Finance Policy, Modelling & Insurance Investment Technology Valuation, Liability & Financial Risk Management.

 Insurance & Financial Risk Management Services

Investment Advisory and Data Information Science & Technology Services

• Valuation Technology 


 Corporate Finance & Capital Modeling  


 IFRS 17 & PSAK 74  


Finance Risk & Banking Technology, Payment Technology, Processing Services, Information Based services, Financial Risk Management, Insurance Brokerage.




The Advisory & Actuarial Services For Compliance Insurance Companies Law & Regulatory-previous PT. Rileos Pratama  

PERUSAHAAN STAR UP JASA AKTUARIA RICKY MUNIR & REKAN-PT. RILEOS PRATAMA, is an Institutional Insurance & Pension Actuarial Mandatory Services Office. Actuarial For Institutions Who Mobilize Public Funds by Bundling Savings Insurance Protections.:




 SCITECHINDO®  For INSURANCE (Big Data Machine Software Company)

 E-SEN SCITECHINDO®  Big Data Actuarial Machine Software 



 Asset Liability Management  

 Divident & Capital Management 

 Pensions Funds  

Are Our Software & Big Data Machine for Insurance Companies & Pension Funds. 


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 Actuarial Accounting IFRS Expertise Services, Finance Banking Strategy & Transactions Services, and Actuarial Regulatory Insurance Pension Services.



First, we assisted in the birth of Actuarial Accounting & Human Capital Specialization for Assessment of Employee Benefit Liability Estimation using only IAS 19 (International Accounting Standard 19) Employee Benefits in 2003 to 2004. Because in 2003 to 2004 there was no PSAK (Pernyataan Standar Akuntansi Keuangan) that regulates the Assessment of Estimated Employee Benefits Obligations. In 2003 onwards, Companies All Business Sectors in All Provinces in Indonesia We (Our Senior Management) Present About Actuarial Accounting & Human Resources Services to Board of Senior Managers, Board of General Managers (Board of Vice Presidents), Board of Directors, Board of Commissioners, Board of Owners of Companies of All Business Sectors, Nobody Knows What Actuarial Science is and Everything Related to Actuarial.

We explained that actuarial science is a branch of finance-accounting bancassurance official administration science (that has bundling with qualified algebra, data, calculus, probability and statistics science professional skills), and all things actuarial related. We always visit all companies of all business sectors (wherever the company is located) who ask us to come to explain what actuarial sciencetech is and all that is related to actuarial. In 2003 the only companies that knew actuarial knowledge were insurance companies and pension funds. It was only in 2004 that we introduced PSAK (Financial Accounting Standard Statement) 24 for Employee Benefits, the First Revision of PSAK-24 was in 2010, and the Final Revision of PSAK-24 was in 2013. 


Based on the history of the establishment of the Human Capital Accounting Actuarial Industry and Employee Benefits Valuation, it is appropriate that Employee Benefits Valuation to get the best results is given to Companies or Pioneer Actuarial Accounting & Finance Human Capital Management Consulting Companies based on Pioneer Actuarial Accounting & Human Capital Valuation Industry since IAS 19 and PSAK 24 was established, namely since 2003, and has a demonstrated history of working in the Real Professional Actuarial: Appointed Actuaries, Chartered Actuaries as well as Chief Actuaries Experience in the:

1. Accounting: AASB Australia, Espanola GAAP, Netherlands GAAP, FRS UK, IFRS International, PSAK Indonesia, US GAAP, Accounting Actuaries, Bank Actuaries (National Banks), Chartered Actuaries, Corporate Finance Actuaries, Enterprise Actuaries, Ernst & Young Management Consulting Alumni, Financial Actuaries (MUTUAL FUNDS) industry, for more than 19 years.

2. Human Capital & Benefits Rewards (Human Capital Actuaries) industry, for more than 19 years, 

3. Data Science & Reporting (Programming Actuaries) industry-27 years

4. Financial Risk Management (Banks & Financial Investment Companies Actuaries) industry-9 years

5. Insurance Industry (Insurance Actuaries, Pension Actuaries, Insurance Professionals), These are: Manulife-ING Life Canada Dutch INA, FWD-Astra Jardine CMG Life Hongkong Espana Singapore UK INA, Equity-BDNI Life Hongkong INA, MAREIN Reinsurance INA, Heksa Insurance INA, HANWHA Life Korea INA, MNC Life INA for more than 12 years 

6. Member of Actuaries, Bankers, Finance, Insurance, and Investment Professionals Global and National Networks.

Our Professional Team  

Our Excellence Management

We focus on the best services for Your Companies through experience, specialization, and knowledge our professional team members to serve Your Company. The member of Our Senior Management are specialized expertise Professionals who have 9 years up to 45 years professional experiences in companies as follows: Actuarial Accounting Finance (Big 4 Alumni & Chartered Experienced Actuarial Accounting Finance Specialists: Ak, BA, BS, CA, CCF, CPA, CPF, CWF, FIA, FIAA, FSA, FSAI, FSAS, Ir, MM, MS, SE, SIB, QIP, WAPERD, WMI.)-who have The Update of Best Practice of International and National:

We focus on the best services for Your Companies through: experience, specialization, and knowledge our professional team members, not on trivial things that are not clear and unprofessional:

* Actuarial, Accounting, Finance, Human-Capital, Insurance, Investment, Pension, and Banking Standard., 

* Asia Pacific Espana Netherland England Deutsche Indonesia International Companies: Life insurance, Health insurance, General insurance, Banking, Finance Services, Investment & Wealth Management, Private Equity, Reinsurance,

* Commercial Properties & Investment Banking: Asia-Pacific, Espana Dutch England, USA,

* Corporate Finance & Insurance Sciencetech Company Asia-Pacific, Espana Dutch England,

* Data Information Science Technology Services Companies: Asia-Pacific, Espana Dutch England, USA,

* England Netherland International & Indonesia Companies: Electronics, Investment & Trading Services, Oil & Gas Risk Management Companies,

* Graduates & Postgraduates Members Team: Bachelors (S1), Master (S2), dan Doctor (S3) from Best Reputations Universities (Top 10 Actuarial Science International dan Nasional Australia, Indonesia, England and Spanish), yaitu: University of Macquarie, Universitas Indonesia, Bayes Business School, University of Philipines, Pompeu Fabra University, London School of Economics & Political Science, Swiss-Germany University, Heriot-Watt University, University of Barcelona, Universitas Padjajaran, University of Warwick, University of Navarra, Institute Technologi Bandung, University of Southamton, University of Valencia, STAN, and University of Manchester.,

* Human Capital & Benefits Services Companies: Asia-Pacific, Espana Dutch England

* Indonesia Finance Professionals Associations Institutes, Accountants Institute, Actuaries Institute, Corporate & Private Finance Institute, Insurance Institute, Investment Institute, Mutual Funds Institute: AAMAI, APERDI, CCF Institute, CPF Institute, IAI, IAPI, PAI, WMI, etc.,

* Management Consulting Indonesia & Actuarial Companies: Asia-Pacific, Espana Dutch England.

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. 


Member Global & National Network


E-SEN SOLUTION LIMITED is a Multinational Finance Management Consultants & Big Data Actuarial Software (Non-Humanoid RoboT) Developer Company headquartered in West Midlands, England, United Kingdom and branchs international in Asia-Pacific, Australia, China, Dubai, Dutch, Espana, Euroasia, Germany, Greek, Indonesia, Irish, Japan, Korea, Latin America, Malaysia, Singapore, Sweden, Rusia, Turki. The Company's main businesses are:

-  SCITECHINDO®  Actuarial Machine Big Data Software Provider, Class of PROPHET, Competitive price, IFRS 17 & PSAK 74 Capable, We only supply software only, Those who set up the System leave it to the appointed company or consultant. Can be supported by the UK.

- Total Accounting (AASB, FASB, FRS, IAS, PSAK)

Finance Professionals

- Total Actuarial

- Total Insurance

- Business & Fixed Assets Appraisers

- Data Information Science & Technology

- Employee Benefits, HR Strategies & Total rewards

- Oil & Gas Risk Managers

- Pension & Investment Professionals


SANTANDER ABBEY is a Multinational financial services company headquartered in Santander and Madrid Spain. Its main business is Investment (Asset Management, Private Equity), Actuarial, Accounting, Banking (Retail Banking, Corporate Banking, Investment & Private Banking), and Insurance.  


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.

• Prophet Big Data Actuarial Software (Non-Humanoid Robot) 

Big Data Actuarial Mechanical Softwares Prophet Members & Users. We are Prophet Members & Users since Year 2001 (ING LIFE INDONESIA)

• MoSes Big Data Actuarial Software (Non-Humanoid Robot) 

Big Data Actuarial Mechanical Softwares MoSes Members & Users. We are MoSes Members & Users since Year 1996 (ASTRA JARDINE CMG LIFE)


Our Professional Team

Begin your career as Executives (Consultants) to open your horizon to the science of financial, risk technology information, human capital & benefits, and actuarial 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 & risktech training, human capital & benefits insurance training, 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 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.


Explore your excellence and competence to grow with us.


• Passionate Actuaries Accountants, Benefits HR & Total Rewards, Finance & IRiSGREEN® Actuarial Insurance Investment Machine Software Professionals

• Delivering unique value






 Santander International ESPANOLA 



 Abbey International UK   

 RLS Grupo INA 


 Allianz International DEUTSCHE 


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

By Utama Kreatif