Jo-Ar Rivera

Fertility coordination and finance professional combining direct third-party reproduction experience with 17 years in receivables, collections and management reporting.

As Egg Donor

Coordinator at Lucina Egg Bank I supported US-based clients fully remotely, guiding prospective donors through the entire journey — application and documentation, medical screening and clearance, through to final retrieval — while coordinating donor costs and reimbursements. That sits on top of a finance career built on patient-style receivables work: five years monitoring collections and Portfolio-at-Risk across a 12-branch lending network (PAR reduced from almost 27% to 21%), four years in internal audit, and full-cycle bookkeeping for SME clients. Recently a Senior Performance Monitoring Analyst reporting revenue, cost and variance to the CEO, COO and Management Committee.

MBA-qualified, discreet with sensitive information, and equipped for US-hours remote work.

Egg Donor Coordinator at Lucina Egg Bank (2023-11 – 2024-06)

Served as the primary point of contact for prospective donors in a remote, US-based healthcare setting — conducting intake interviews and handling inquiries with professionalism and empathy.

• Coordinated end-to-end medical screening with external clinics and international laboratories, including bloodwork, ultrasound, drug testing, and genetic testing.
• Maintained meticulous medical checklists, health records, and reports — ensuring every document was accurate, complete, and audit-ready.
• Prepared legally binding donor agreements, ensuring clarity and compliance with regulatory requirements.
• Managed procurement of medicines and laboratory tests, tracking fulfilment and costs against requirements.
• Worked daily in ScriptSure, Google Workspace, and Slack across US time zones, keeping communication and documentation consistent for a distributed team.

Senior Performance Monitoring Analyst at Energy Development Corporation (EDC) (2024-01 – Present)

• Track operational and financial performance against targets, analyzing revenue, cost, and cost per kWh and reconciling figures across multiple source systems for accuracy.
• Deliver weekly reporting to top management and monthly reporting to the Management Committee, working to fixed cycles with no supervision required.
• Build Looker Studio dashboards that replaced manual reporting, giving stakeholders self-serve visibility into account and cost performance.

Collection Monitoring Officer at Perpetual Help Community Cooperative (PHCCI) (2019-01 – 2024-12)

• Managed outstanding account recovery across a 12-branch portfolio — reviewing account balances, verifying amounts owed, and driving follow-up until accounts were resolved.
• Handled a high volume of inbound and outbound collection calls, explaining balances clearly and negotiating payment arrangements while keeping the conversation courteous and solutions-focused.
• Established and led a project-based Tele-Collectors team during the pandemic, then institutionalized it as a permanent Tele-Counselor function in every branch — setting call targets and coaching to them.
• Developed restructured payment products and collection policies for distressed account holders, protecting recovery while keeping accounts current.
• Pioneered a coop-wide Delinquency & Collection Monitoring Tool in Excel, replacing manual tracking and reducing report preparation time.
• Monitored collection efficiency and Portfolio-at-Risk across all branches and reported the metrics used directly in top-management decisions.
• Designed a personnel performance evaluation tool for field and office collection staff, then analyzed the output to pinpoint productivity gaps.
• Consistently met KPI, quota, and target commitments across the collections function.

Assistant Internal Auditor at Perpetual Help Community Cooperative (PHCCI) (2015-01 – 2019-12)

• Detected and exposed major fraudulent activity, leading directly to tightened operating procedures and strengthened internal controls.
• Developed audit scopes and programs, documented findings meticulously, and delivered recommendations adopted by management.
• Applied advanced data mining and Excel analysis across transaction records to support conclusions with evidence rather than sampling assumptions.
• Completed audit visits to 10 branches and 8 satellite offices, assessing compliance and identifying control gaps.

Collection Clerk / Teller at Perpetual Help Community Cooperative (PHCCI) (2013-01 – 2015-12)

• Reviewed receivable accounts, verified balances, and used skip tracing to locate hard-to-reach debtors, enforcing payment plans against section KPIs and quotas.
• Handled difficult collection conversations with professionalism and negotiation, de-escalating disputes without losing the payment commitment.
• Served as teller — received, validated, and posted office and field cash collections with accurate, fully documented handling and issued receipts to payers.
• Prepared collection reports and trained incoming team members on process and call handling.

Accounting Clerk / Payroll Clerk at Perpetual Help Community Cooperative (PHCCI) (2008-01 – 2013-12)

• Performed bank reconciliations, posted transactions, and prepared check vouchers for loan releases and supplier payments.
• Prepared and posted journal entries and processed inter-branch deposits, payments, and withdrawals.
• Covered full-time payroll duties and government remittances for four months as alternate payroll clerk.
• Produced monthly loans-receivable, inter-branch, and expense monitoring reports for the Collection Section.

Bookkeeper (Freelance / Part-Time) at Multiple SME clients (2007-01 – 2023-12)

• Owned full-cycle bookkeeping: transaction recording, general ledger, AP/AR, invoicing, bank reconciliation, and payment posting.
• Prepared financial statements and managed payroll end to end, including statutory deductions and remittances.

Master of Business Administration – Foundation University (2017-12)

Bachelor of Business Administration – Silliman University (2007-12)

Bachelor of Science in Accountancy – Silliman University (2006-12)