KRISTINA YULIANI, born in West Java, 1967, Education: University of Indonesia, Faculty of Law, 1990, English Language Center-Monash University, Melbourne,1996, Capital Market – LMKA, 1998 Chartered Financial Analyst (CFA), 2001; Senior Legal Officer, Bank Tata 1990-1995, Senior Associate at Gani Djemat Law Office 1995-2000 & at Karim Sani, 2000-2004, PRACTICE AREAS: Banking & Finance, Capital Market, Corporate; Commercial; Insurance & Compensation; Land & Property. LANGUAGES: Indonesian, English.