Bernard Cabado

Analytical fraud and risk operations professional with 15+ years of experience investigating high-risk transactions, account activity, and customer behavior to detect and mitigate financial loss for banks and their customers.

Background includes reviewing KYC documentation and risk profiles for new and business accounts, monitoring treasury check activity for fraud indicators, and using risk-scoring and alert-queue systems to prioritize high-volume cases. Exposure to core AML/BSA concepts through internal training, applied practically within a fraud-detection and loss-mitigation context. Known for sound judgment, careful handling of confidential information, and the ability to turn complex data into clear findings and timely decisions.

Senior Fraud Analyst 2 / Risk Operations Analyst at JPMorgan Chase & Co. (2010-01 – 2025-01)

Progressed from Fraud Analyst to Senior Fraud Analyst to Senior Fraud Analyst 2 (Risk Operations Analyst) through tenure-based promotions.

• Reviewed customer transaction behavior, KYC documentation, and account risk profiles — including new and business accounts — to identify anomalies and emerging fraud risk patterns.
• Investigated cases involving electronic money movement, identity theft, suspicious account activity, treasury check fraud, and potential account takeover, applying risk-based analysis to determine appropriate next steps.
• Used the LAD risk-scoring system to filter and prioritize high-risk transactions, and monitored Queue Pen alert queues to manage case volume during surge periods.
• Applied preventive and detective controls, prepared audit-ready investigation documentation, and communicated clear findings to business, security, legal, and external partners.
• Collaborated on sensitive cross-border investigations while protecting confidential customer and company information and escalating issues as appropriate.
• Supported recovery of PHP 3.2M in corporate assets by identifying linked mule accounts during an automated business-email-compromise wire-fraud attempt.
• Analyzed 1,400+ high-risk transactions in a counterfeit-check investigation, contributing to controls that averted PHP 1.8M in immediate losses.
• Helped protect PHP 1.5M in high-risk account funds by identifying and neutralizing 45 identity-theft and account-takeover attempts.
• Helped reduce false-positive alerts by 15% for legitimate retail-banking customers through high-volume live-data monitoring.

IT Support / Technical Operations (Project-Based) at JPMorgan Chase & Co. (2014-01 – 2015-12)

• Supported infrastructure activities, system upgrades, asset management, incident management, and troubleshooting in a controlled operations environment.

Technical Service Representative (IT Help Desk) at Harte-Hanks Market Market (2007-01 – 2010-12)

• Resolved technical and network issues through remote support; documented incidents, addressed malware-related concerns, and escalated critical issues appropriately.

Undergraduate Studies in Computer Science – Emilio Aguinaldo College (1989-01 – 1994-12)