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Michael Lukman

Managing Director, Gen Advisory Pty Ltd

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Michael brings over 20 years' international  financial sector advisory and regulation experience, having previously worked at: the Australian Prudential Regulation Authority (APRA); National Australia Bank (NAB); and Ernst & Young (EY).
 

Michael previously also served as the Australian Government-backed Financial Sector Regulation and Supervision Adviser in Indonesia. And as an Advisory Board Member of FinMango - a US s501(c)(3) non-profit organisation whose mission is to address economic inequality through opportunity.

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Since 2018, Michael has been the managing director of Gen Advisory Pty Ltd - a niche Australian professional services firm supporting organisations wishing to operate in the Australian financial sector and/or broader Indonesian economy. Within Australia, Gen Advisory's clients to date have included some of Australia's leading FinTechs. Michael is also the managing director of PT. Generation Lukman Indonesia - Gen Advisory Pty Ltd's Jakarta-based sister company in Indonesia.

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Michael holds a Bachelor of Commerce (Management) and Masters in Accounting from Monash University (Melbourne, Australia). Michael also holds an Executive Certificate in “Rethinking Financial Inclusion” from the Harvard Kennedy School (Cambridge, USA).

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          michael.lukman@gnad.com.au

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Career Summary

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Gen Advisory Pty Ltd - 2018 to present

Managing Director

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Australian Government (AIPEG) - 2014 to 2018

Financial Sector Regulation & Supervision Adviser, Indonesia

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Aust Prudential Regulation Authority (APRA) - 2005 to 2012

Banking regulator - Diversified Institutions Division
 

National Australia Bank - 2002 to 2004 

Project Analyst for Wealth Management

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Ernst & Young,  2000 to 2002

Senior Consultant, Corporate Finance ​

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Other Positions

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FinMango (pro-bono) - 2019 to present

Advisory Board member  of FinMango - a US s501(3)(c) organisation whose mission is to address economic inequality through opportunity.


PT. Generation Lukman Indonesia- 2023 to present

Managing Director  

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Tertiary Education â€‹

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Harvard Kennedy School (Cambridge, USA)

Executive Certificate in "Rethinking Financial Inclusion": 5-day, on-campus executive program held at the John F. Kennedy School of Government, Harvard University (Cambridge, USA). 

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Monash University (Melbourne, Australia)

Masters in Accounting

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Monash University (Melbourne, Australia)

Bachelor of Commerce (Management)

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Trinity College (Melbourne, Australia)

Year 12

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Based

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  • Jakarta, Indonesia 

  • Sydney, Australia

Core Competencies

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  • Australian, Indonesian and international financial sectors

  • Banking and FinTech sub-sectors

  • Regulation of ADIs and FinTechs

  • International regulatory best practices

  • Regulatory sandboxes

  • RegTech adoption

  • Sustainable finance

  • Project management

  • Industry research and analyses

  • Training and capacity building

  • Company directorship

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​Professional memberships​

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  • Australian Institute of Company Directors (AICD)

  • Australian-British Chamber of Commerce (ABCC)

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Additional Information​

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  • Languages: English (first language), conversational Indonesian. 

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Favourite Quote

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'Love what you do, do what you love.'

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- Ray Bradbury

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