Japhet Baldoviso
@japhetbaldoviso
Experienced mortgage loan processor with a focus on fraud mitigation.
What I'm looking for
With over 7 years of hands-on experience in mortgage loan processing and finance banking, I have mastered mortgage loan set-up, fraud mitigation, and post-closing audit preparation. I managed final reviews for 150+ loan applications monthly—achieving a 15% reduction in discrepancies and a 98% compliance rate—while expertly finalizing LOS figures and stacking trailing documentation for seamless audit readiness.
Proficient in CLM-LOS systems, digital document management (DocuSign, Adobe Sign), and using Black Knight with MSP Codes, I significantly enhance operational efficiency and regulatory adherence. My experience includes tracking and monitoring fraud transactions, conducting thorough investigations, and collaborating with various departments to improve fraud prevention strategies. I am now focused on leveraging my track record to drive innovation and excellence in U.S. mortgage finance.
Experience
Work history, roles, and key accomplishments
Account Specialist III (Fraud Specialist in Chase UK Digital Bank)
JP Morgan Chase & Co.
Sep 2022 - Present (2 years 10 months)
Monitored and tracked fraudulent transactions on customer financial accounts, creating case files for suspicious activity investigations related to AML. Investigated and resolved fraudulent activities, ensuring adherence to company policies and regulatory requirements. Collaborated with various departments to enhance fraud prevention strategies and improve overall security measures.
SENIOR OPERATION SPECIALIST II (Funding 1 Reviewer)
JP Morgan Chase & Co.
Feb 2021 - Sep 2022 (1 year 7 months)
Conducted final reviews of mortgage loan applications to ensure compliance with company standards and regulatory requirements. Verified the accuracy and completeness of financial documents, credit reports, and borrower information. Coordinated with loan officers and underwriters to address discrepancies and resolve outstanding issues prior to closing.
SENIOR OPERATION SPECIALIST I (Underwriting Closer)
JP Morgan Chase & Co.
Jul 2020 - Jan 2021 (6 months)
Performed comprehensive reviews of mortgage loan applications, ensuring strict adherence to underwriting guidelines and regulatory standards. Verified borrower information, including income, credit history, and asset documentation, to maintain data accuracy and support on-time closings. Utilized the Black Knight platform with MSP Codes and AUS systems to coordinate final loan approvals and set clo
Customer Service Representative
Telus International Philippines
Feb 2019 - May 2020 (1 year 3 months)
Provided exceptional customer service for a Canadian telecommunications company, ensuring customer satisfaction and retention. Assisted customers with billing inquiries, offering solutions to resolve issues efficiently. Delivered Level 1 technical support, troubleshooting and resolving technical problems.
Intern Researcher
Skubbs Digital
Jan 2018 - Dec 2018 (11 months)
Conducted research on potential businesses and clients. Developed and implemented SEO and social media marketing strategies. Analyzed data from marketing campaigns and provided actionable insights.
Freelancing-Production Assistant
This Side Up Productions and Nomadeye Productions
Jan 2016 - Dec 2019 (3 years 11 months)
Assisted and coordinated schedules, managing logistics and keeping track of production details. Interacted with crew members, cast, and production staff while managing time efficiently to meet tight deadlines. Ensured all aspects of production ran smoothly and accurately.
Education
Degrees, certifications, and relevant coursework
San Sebastian College-Recoletos Manila
Bachelor's Degree, Mass Communication
Grade: Best Thesis 2018
Studied Mass Communication at San Sebastian College-Recoletos Manila. Completed coursework and research, earning the Best Thesis award in 2018.
Paco Catholic School
Secondary Education
Completed secondary education at Paco Catholic School. Gained foundational knowledge and skills across various subjects.
Tech stack
Software and tools used professionally
Availability
Location
Authorized to work in
Job categories
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