Portal Training Center

Certified Financial Risk Management (CFRM) Training

Mulai : 7 September 2026

Certified Financial Risk Management (CFRM)

Pelatihan Certified Financial Risk Management (CFRM) dirancang untuk membekali peserta dengan pengetahuan, keterampilan analitis, dan kompetensi praktis dalam mengidentifikasi, mengukur, memantau, mengendalikan, serta melaporkan berbagai risiko keuangan yang dapat memengaruhi kinerja dan keberlangsungan perusahaan.

Program ini membahas manajemen risiko keuangan secara komprehensif, mulai dari konsep dasar enterprise risk management, risk governance, risk appetite, risk assessment, hingga pengelolaan risiko pasar, risiko kredit, risiko likuiditas, risiko suku bunga, risiko nilai tukar, risiko investasi, risiko operasional, dan risiko terkait instrumen keuangan.

Peserta juga akan mempelajari berbagai metode pengukuran risiko, seperti sensitivity analysis, scenario analysis, stress testing, Value at Risk, credit scoring, probability of default, liquidity gap analysis, duration, serta berbagai indikator risiko keuangan yang digunakan dalam pengambilan keputusan manajemen.

Risiko keuangan yang tidak dikelola dengan baik dapat menyebabkan kerugian investasi, gagal bayar, tekanan likuiditas, volatilitas laba, penurunan nilai aset, meningkatnya biaya pendanaan, serta terganggunya stabilitas operasional perusahaan. Karena itu, perusahaan membutuhkan sistem financial risk management yang terintegrasi dengan strategi bisnis, perencanaan keuangan, pengendalian internal, dan tata kelola perusahaan.

Melalui kombinasi teori, latihan perhitungan, analisis laporan keuangan, simulasi risiko, studi kasus, dan workshop penyusunan financial risk management framework, peserta akan memperoleh keterampilan yang dapat langsung diterapkan dalam fungsi risk management, finance, treasury, accounting, investment, banking, audit, compliance, dan corporate planning.

Tujuan Pelatihan

Pelatihan ini bertujuan membantu peserta untuk:

Memahami konsep financial risk management.
Memahami hubungan antara risiko dan imbal hasil.
Mengidentifikasi berbagai jenis risiko keuangan.
Menyusun risk register keuangan.
Menentukan risk appetite dan risk tolerance.
Melakukan financial risk assessment.
Mengukur risiko pasar.
Mengukur risiko kredit.
Mengukur risiko likuiditas.
Mengelola risiko suku bunga.
Mengelola risiko nilai tukar.
Melakukan sensitivity analysis dan scenario analysis.
Melaksanakan stress testing.
Memahami penggunaan Value at Risk.
Mengembangkan strategi mitigasi risiko.
Menggunakan instrumen hedging secara tepat.
Menyusun Key Risk Indicators.
Mengembangkan financial risk reporting.
Mengintegrasikan manajemen risiko dengan strategi bisnis.
Meningkatkan kualitas pengambilan keputusan keuangan.

Materi Pelatihan

1. Introduction to Financial Risk Management

Pengertian financial risk
Pengertian financial risk management
Tujuan manajemen risiko keuangan
Risiko dan ketidakpastian
Risk and return
Risiko sistematis
Risiko tidak sistematis
Financial exposure
Risk event
Risk impact
Peran financial risk manager
Pentingnya budaya risiko

2. Enterprise Risk Management

Pengertian enterprise risk management
Integrated risk management
Risk governance
Risk ownership
Three lines model
Board oversight
Senior management responsibility
Risk management function
Internal audit function
Risk culture
Risk communication
Continuous improvement

3. Financial Risk Governance

Struktur tata kelola risiko
Peran dewan komisaris
Peran direksi
Risk management committee
Risk owner
Risk coordinator
Risk reporting line
Segregation of duties
Escalation mechanism
Risk policy
Risk procedure
Governance evaluation

4. Risk Appetite and Risk Tolerance

Pengertian risk appetite
Pengertian risk tolerance
Risk capacity
Risk limit
Risk threshold
Qualitative risk appetite
Quantitative risk appetite
Financial risk limits
Risk acceptance
Risk escalation
Monitoring risk appetite
Review risk appetite statement

5. Financial Risk Management Process

Risk identification
Risk analysis
Risk evaluation
Risk treatment
Risk monitoring
Risk reporting
Risk communication
Risk consultation
Risk documentation
Risk review
Control improvement
Continuous monitoring

6. Financial Risk Identification

Identifikasi sumber risiko
Internal risk
External risk
Strategic financial risk
Transactional risk
Portfolio risk
Counterparty risk
Funding risk
Market exposure
Operational exposure
Regulatory exposure
Emerging risk

7. Financial Risk Register

Tujuan risk register
Risk description
Risk cause
Risk event
Risk impact
Risk owner
Existing control
Likelihood
Impact
Inherent risk
Residual risk
Mitigation plan
Target completion date
Monitoring status

8. Risk Assessment Methodology

Qualitative assessment
Quantitative assessment
Likelihood assessment
Impact assessment
Risk scoring
Risk matrix
Inherent risk
Control effectiveness
Residual risk
Risk prioritization
Risk heat map
Management judgment

9. Financial Statement Risk Analysis

Analisis laporan posisi keuangan
Analisis laporan laba rugi
Analisis arus kas
Analisis perubahan ekuitas
Kualitas aset
Struktur liabilitas
Profitability risk
Working capital risk
Cash flow risk
Leverage risk
Earnings volatility
Financial distress indicators

10. Financial Ratio Analysis

Current ratio
Quick ratio
Cash ratio
Debt-to-equity ratio
Debt-to-asset ratio
Interest coverage ratio
Gross profit margin
Operating profit margin
Net profit margin
Return on assets
Return on equity
Total asset turnover
Working capital turnover
Interpretasi risiko keuangan

11. Market Risk

Pengertian risiko pasar
Sumber risiko pasar
Interest rate risk
Foreign exchange risk
Equity price risk
Commodity price risk
Market volatility
Trading exposure
Investment exposure
Portfolio exposure
Market risk limit
Market risk monitoring

12. Interest Rate Risk

Pengertian risiko suku bunga
Repricing risk
Basis risk
Yield curve risk
Option risk
Fixed-rate exposure
Floating-rate exposure
Interest-sensitive assets
Interest-sensitive liabilities
Gap analysis
Duration analysis
Interest rate stress testing

13. Foreign Exchange Risk

Pengertian risiko nilai tukar
Transaction exposure
Translation exposure
Economic exposure
Foreign currency assets
Foreign currency liabilities
Currency mismatch
Exchange rate volatility
Open position
Natural hedging
Financial hedging
Currency risk reporting

14. Equity Price Risk

Pengertian equity risk
Market price movement
Share price volatility
Beta
Market index
Sector concentration
Company-specific risk
Portfolio sensitivity
Equity stress testing
Stop-loss limit
Diversification
Portfolio monitoring

15. Commodity Price Risk

Pengertian commodity risk
Energy price risk
Metal price risk
Agricultural commodity risk
Input cost exposure
Selling price exposure
Price volatility
Supply disruption
Commodity concentration
Contractual protection
Hedging overview
Commodity risk monitoring

16. Credit Risk

Pengertian risiko kredit
Borrower risk
Counterparty risk
Issuer risk
Settlement risk
Default risk
Credit exposure
Credit concentration
Credit quality
Credit limit
Credit monitoring
Credit mitigation

17. Credit Assessment

Character
Capacity
Capital
Collateral
Condition
Financial statement analysis
Cash flow analysis
Payment history
Industry risk
Management quality
Credit scoring
Credit rating
Credit recommendation

18. Probability of Default

Pengertian probability of default
Default definition
Historical default rate
Internal rating
External rating
Borrower characteristics
Financial indicators
Behavioral indicators
Macroeconomic factors
Rating migration
Early warning indicators
PD estimation overview

19. Loss Given Default and Exposure at Default

Pengertian Loss Given Default
Recovery rate
Collateral value
Seniority
Legal recovery
Collection cost
Pengertian Exposure at Default
Outstanding exposure
Undrawn commitment
Credit conversion factor
Expected recovery
Risk parameter documentation

20. Expected Credit Loss Overview

Expected loss
Unexpected loss
Credit deterioration
Historical information
Current condition
Forward-looking information
Probability-weighted outcome
Provision matrix
Lifetime expected loss
Twelve-month expected loss
Management overlay
Model validation overview

21. Counterparty Risk

Pengertian counterparty risk
Bilateral exposure
Pre-settlement risk
Settlement risk
Replacement cost
Potential future exposure
Counterparty limit
Collateral agreement
Netting agreement
Counterparty rating
Wrong-way risk
Counterparty monitoring

22. Credit Concentration Risk

Single-name concentration
Group concentration
Industry concentration
Geographic concentration
Product concentration
Collateral concentration
Counterparty concentration
Large exposure
Concentration limit
Diversification strategy
Stress testing
Concentration reporting

23. Liquidity Risk

Pengertian risiko likuiditas
Funding liquidity risk
Market liquidity risk
Cash flow mismatch
Funding concentration
Short-term funding
Long-term funding
Contingent liquidity
Liquidity buffer
Liquidity reserve
Liquidity monitoring
Liquidity governance

24. Liquidity Gap Analysis

Contractual cash inflow
Contractual cash outflow
Maturity bucket
Cumulative gap
Positive gap
Negative gap
Behavioral assumption
Expected cash flow
Funding requirement
Liquidity shortfall
Gap monitoring
Management action

25. Cash Flow at Risk

Cash flow uncertainty
Operating cash flow risk
Financing cash flow risk
Investing cash flow risk
Cash flow volatility
Forecasting error
Scenario analysis
Stress cash flow
Minimum cash requirement
Liquidity buffer
Contingency planning
Cash flow monitoring

26. Funding Risk

Funding source
Funding maturity
Funding cost
Funding concentration
Refinancing risk
Rollover risk
Covenant risk
Credit rating impact
Market access
Diversification of funding
Funding contingency
Funding plan

27. Operational Risk in Finance

Human error
Process failure
System failure
Data error
Unauthorized transaction
Fraud
Cyber risk
Model risk
Vendor risk
Business disruption
Control weakness
Financial loss event

28. Fraud Risk

Asset misappropriation
Financial statement fraud
Payment fraud
Procurement fraud
Revenue manipulation
Expense manipulation
Unauthorized journal
Management override
Collusion
Fraud red flags
Preventive control
Detective control

29. Investment Risk

Investment objective
Risk and return
Capital loss
Price volatility
Income risk
Reinvestment risk
Duration risk
Credit spread risk
Liquidity risk
Concentration risk
Portfolio risk
Investment monitoring

30. Portfolio Risk Management

Portfolio construction
Asset allocation
Diversification
Correlation
Covariance overview
Portfolio volatility
Systematic risk
Unsystematic risk
Risk contribution
Concentration limit
Rebalancing
Portfolio review

31. Diversification Strategy

Diversification by asset class
Diversification by issuer
Diversification by sector
Diversification by geography
Diversification by maturity
Diversification by currency
Correlation analysis
Concentration risk
Optimal diversification
Over-diversification
Portfolio monitoring
Rebalancing strategy

32. Risk and Return Measurement

Holding period return
Expected return
Average return
Compound return
Real return
Volatility
Variance
Standard deviation
Beta
Sharpe ratio overview
Risk-adjusted return
Benchmark comparison

33. Sensitivity Analysis

Pengertian sensitivity analysis
Key risk variable
Revenue sensitivity
Cost sensitivity
Interest rate sensitivity
Exchange rate sensitivity
Volume sensitivity
Margin sensitivity
Single-variable analysis
Multi-variable analysis
Interpretation
Management action

34. Scenario Analysis

Base-case scenario
Best-case scenario
Worst-case scenario
Economic scenario
Market scenario
Business scenario
Liquidity scenario
Credit scenario
Assumption development
Scenario probability
Financial impact
Decision-making

35. Stress Testing

Tujuan stress testing
Historical stress
Hypothetical stress
Single-factor stress
Multi-factor stress
Reverse stress testing
Severe but plausible scenario
Capital impact
Liquidity impact
Profitability impact
Management response
Stress testing governance

36. Value at Risk

Pengertian Value at Risk
Confidence level
Holding period
Portfolio value
Market volatility
Historical simulation
Parametric method
Monte Carlo simulation overview
VaR limitation
Backtesting
Stress testing complement
VaR reporting

37. Duration and Bond Risk

Bond price
Yield
Coupon
Maturity
Macaulay duration
Modified duration
Interest rate sensitivity
Convexity overview
Duration gap
Portfolio duration
Bond price stress
Duration limitation

38. Derivative Instruments

Forward contract
Futures contract
Option
Swap
Underlying asset
Notional amount
Contract maturity
Derivative pricing overview
Counterparty risk
Market risk
Leverage risk
Derivative documentation

39. Hedging Strategy

Pengertian hedging
Hedged item
Hedging instrument
Economic hedging
Natural hedging
Forward hedge
Futures hedge
Option hedge
Swap hedge
Hedge ratio
Hedging cost
Hedging effectiveness

40. Foreign Exchange Hedging

Forward exchange contract
Currency futures
Currency option
Currency swap
Natural hedge
Matching currency inflow and outflow
Hedging exposure
Hedge period
Hedge cost
Hedge settlement
Effectiveness review
Documentation

41. Interest Rate Hedging

Interest rate swap
Forward rate agreement
Interest rate futures
Interest rate option
Cap
Floor
Collar
Fixed-to-floating swap
Floating-to-fixed swap
Hedging cost
Hedge effectiveness
Interest risk monitoring

42. Commodity Hedging

Commodity forward
Commodity futures
Commodity option
Fixed-price contract
Price adjustment clause
Natural hedge
Purchase hedging
Sales hedging
Hedge volume
Basis risk
Hedging effectiveness
Commodity exposure monitoring

43. Risk Mitigation Strategy

Risk avoidance
Risk reduction
Risk transfer
Risk acceptance
Risk sharing
Diversification
Hedging
Insurance
Collateral
Guarantee
Limit management
Contingency planning

44. Financial Risk Limits

Market risk limit
Credit limit
Counterparty limit
Liquidity limit
Concentration limit
Stop-loss limit
Position limit
Duration limit
Currency limit
Investment limit
Limit breach
Escalation and remediation

45. Key Risk Indicators

Tujuan Key Risk Indicators
Leading indicator
Lagging indicator
Market volatility indicator
Credit deterioration indicator
Liquidity indicator
Funding concentration indicator
Overdue receivable indicator
Covenant breach indicator
Limit utilization
Threshold
Escalation

46. Early Warning System

Financial distress indicator
Declining profitability
Negative cash flow
Rising leverage
Payment delay
Credit rating downgrade
Covenant breach
Customer concentration
Funding pressure
Market volatility
Risk alert
Management response

47. Capital Adequacy and Risk Capacity

Economic capital
Regulatory capital overview
Risk-bearing capacity
Capital buffer
Capital allocation
Capital planning
Risk-adjusted capital
Capital stress testing
Capital consumption
Return on risk-adjusted capital
Capital limit
Management review

48. Financial Risk Reporting

Risk dashboard
Risk profile
Risk exposure
Limit utilization
Limit breach
Risk trend
Key Risk Indicators
Stress testing result
Mitigation status
Emerging risk
Management commentary
Board reporting

49. Risk Dashboard Development

Dashboard objective
Data source
Risk metric
Risk threshold
Traffic-light indicator
Trend chart
Exposure summary
Limit monitoring
Risk heat map
Action tracker
Management summary
Dashboard validation

50. Model Risk Management

Pengertian model risk
Model development
Model assumption
Data quality
Model validation
Independent review
Backtesting
Calibration
Model limitation
Model change
Model inventory
Model governance

51. Data Analytics for Financial Risk

Data collection
Data quality
Data cleansing
Risk data aggregation
Trend analysis
Variance analysis
Correlation analysis
Exception analysis
Predictive analytics overview
Visualization
Risk dashboard
Data governance

52. Internal Control over Financial Risk

Segregation of duties
Authorization
Transaction limit
Reconciliation
Independent review
Access control
Confirmation
Documentation
Exception monitoring
Audit trail
Control testing
Remediation

53. Financial Risk Audit

Risk audit planning
Audit scope
Risk assessment
Control design review
Control effectiveness testing
Sampling
Data testing
Limit compliance
Risk reporting review
Audit findings
Recommendation
Follow-up

54. Compliance and Regulatory Risk

Regulatory requirement
Compliance obligation
Reporting requirement
Capital requirement overview
Liquidity requirement overview
Investment restriction
Limit compliance
Regulatory breach
Penalty risk
Regulatory change
Compliance monitoring
Management reporting

55. Business Continuity and Financial Resilience

Business continuity planning
Financial contingency
Liquidity contingency
Alternative funding
Critical financial process
Crisis management
Emergency authorization
Backup data
Communication plan
Recovery strategy
Financial resilience
Post-crisis review

56. Crisis and Contingency Planning

Crisis trigger
Financial distress
Liquidity crisis
Market shock
Credit crisis
Currency crisis
Funding disruption
Emergency funding plan
Asset liquidation strategy
Stakeholder communication
Decision authority
Crisis simulation

57. Ethics and Professional Conduct

Integrity
Objectivity
Professional competence
Confidentiality
Professional behavior
Conflict of interest
Independence
Due care
Risk disclosure
Ethical judgment
Escalation
Accountability

58. Financial Risk Management Policy

Tujuan kebijakan
Ruang lingkup
Risk governance
Risk appetite
Risk assessment
Risk limits
Mitigation strategy
Monitoring
Reporting
Escalation
Policy exception
Periodic review

59. Financial Risk Management Framework

Governance structure
Risk taxonomy
Risk appetite statement
Risk identification
Risk assessment methodology
Control framework
Risk limits
Key Risk Indicators
Stress testing
Risk reporting
Assurance
Continuous improvement

60. Workshop and Comprehensive Case Study

Identifikasi risiko keuangan
Penyusunan financial risk register
Penilaian inherent risk
Penilaian control effectiveness
Penentuan residual risk
Analisis laporan keuangan
Perhitungan financial ratios
Credit risk assessment
Liquidity gap analysis
Sensitivity analysis
Scenario analysis
Stress testing
Market risk analysis
Hedging strategy
Penentuan risk limits
Penyusunan Key Risk Indicators
Penyusunan risk dashboard
Penyusunan mitigation plan
Presentasi rekomendasi manajemen risiko

Learning Outcomes

Setelah mengikuti pelatihan ini, peserta mampu:

Memahami konsep financial risk management secara komprehensif.
Mengidentifikasi berbagai risiko keuangan perusahaan.
Menyusun financial risk register.
Menilai inherent risk dan residual risk.
Menganalisis laporan keuangan dari perspektif risiko.
Mengukur risiko pasar, kredit, likuiditas, dan investasi.
Melakukan sensitivity analysis dan scenario analysis.
Melaksanakan stress testing.
Memahami penggunaan Value at Risk.
Menentukan risk appetite, risk tolerance, dan risk limit.
Menyusun strategi mitigasi risiko.
Memahami penggunaan instrumen hedging.
Mengembangkan Key Risk Indicators.
Menyusun financial risk dashboard.
Mengembangkan kebijakan dan framework manajemen risiko.
Memperkuat pengendalian internal.
Mendukung proses audit dan kepatuhan.
Meningkatkan kualitas pengambilan keputusan keuangan.
Meningkatkan kesiapan mengikuti proses sertifikasi profesional.

Metode Pelatihan

Pelatihan dilaksanakan melalui metode:

Instructor-Led Training
Interactive Discussion
Financial Risk Assessment
Financial Ratio Exercise
Credit Risk Analysis
Liquidity Gap Analysis
Sensitivity Analysis
Scenario Analysis
Stress Testing Simulation
Hedging Case Study
Risk Dashboard Workshop
Group Discussion
Question and Answer Session
Pre-Test dan Post-Test
Final Assessment

Peserta yang Direkomendasikan

Pelatihan ini direkomendasikan untuk:

Risk Management Officer
Financial Risk Analyst
Credit Risk Analyst
Market Risk Analyst
Liquidity Risk Analyst
Investment Risk Analyst
Treasury Staff
Treasury Analyst
Finance Staff
Finance Officer
Financial Analyst
Corporate Finance Officer
Accounting Staff
Internal Auditor
External Auditor
Compliance Officer
Credit Analyst
Investment Analyst
Banking Professional
Insurance Professional
Asset Management Professional
Financial Controller
Finance Manager
Risk Manager
Treasury Manager
Chief Financial Officer
Business Owner
Consultant
Profesional yang bertanggung jawab atas pengelolaan risiko, keuangan, investasi, treasury, audit, dan pengambilan keputusan bisnis.

Persyaratan Peserta

Peserta sebaiknya:

Memiliki pemahaman dasar mengenai finance dan accounting.
Memahami laporan keuangan dasar.
Memiliki kemampuan menggunakan spreadsheet.
Membawa laptop dan kalkulator.
Mengikuti seluruh sesi pelatihan dan evaluasi.
Memiliki pengalaman dalam bidang finance, risk, banking, investment, atau audit menjadi nilai tambah.

Durasi Pelatihan

4–6 Hari

Pelatihan dapat diselenggarakan dalam beberapa pilihan:

Kelas intensif
Kelas reguler
Kelas akhir pekan
Public Training
In-House Training
Corporate Training
Online Training
Blended Learning
Certification Preparation Program

Durasi dan kedalaman materi dapat disesuaikan dengan kebutuhan peserta maupun perusahaan.

Evaluasi Peserta

Evaluasi dapat dilakukan melalui:

Pre-Test
Post-Test
Latihan financial ratio
Latihan risk assessment
Analisis studi kasus
Sensitivity analysis
Scenario analysis
Stress testing
Tugas penyusunan risk register
Tugas penyusunan risk dashboard
Ujian teori internal
Ujian praktik internal
Presentasi hasil workshop
Penilaian partisipasi

Fasilitas Pelatihan

Peserta akan memperoleh:

Modul pelatihan lengkap
Training kit
Sertifikat pelatihan
Template financial risk register
Template risk assessment
Template risk appetite statement
Template financial ratio analysis
Template credit risk assessment
Template liquidity gap analysis
Template sensitivity analysis
Template scenario analysis
Template stress testing
Template risk limit monitoring
Template Key Risk Indicators
Template financial risk dashboard
Template mitigation action plan
Template financial risk policy
Template financial risk management framework
Studi kasus dan latihan
Coffee break dan lunch untuk kelas tatap muka
Konsultasi pasca pelatihan

Benefit Mengikuti Pelatihan

Dengan mengikuti pelatihan ini, peserta akan memperoleh manfaat berikut:

Memahami risiko keuangan secara menyeluruh.
Meningkatkan kemampuan identifikasi dan analisis risiko.
Meningkatkan kualitas financial risk assessment.
Memahami risiko pasar, kredit, likuiditas, dan investasi.
Meningkatkan kemampuan analisis laporan keuangan.
Mampu melakukan sensitivity analysis dan stress testing.
Memahami strategi hedging dan mitigasi risiko.
Memperkuat sistem pengendalian internal.
Meningkatkan kualitas risk reporting.
Mendukung pengambilan keputusan strategis.
Meningkatkan kesiapan menghadapi kondisi krisis.
Mendukung kepatuhan dan proses audit.
Meningkatkan kompetensi profesional.
Memperkuat peluang karier dalam bidang risk management dan finance.
Meningkatkan kesiapan mengikuti sertifikasi Financial Risk Management.

Info Training dan Pendaftaran

Untuk informasi jadwal Public Training, In-House Training, Corporate Training, maupun program persiapan sertifikasi, silakan menghubungi tim marketing kami:

📞 +62 878-9402-4805