Dariel Fernandez
Verified Expert in Support and Operations
Support & Operations Expert
Taytay, Calabarzon, Philippines
Toptal member since February 10, 2026
Yhel is a high-impact operations and finance specialist with a track record in global partner support and back-office management. Having managed complex portfolios for Booking.com across the US and LATAM, he excels at financial reconciliation, ERP navigation, and resolving high-stakes disputes. Yhel is known for his technical proficiency in SAP S/4HANA and his ability to streamline operational workflows to drive partner success and financial accuracy.
Expertise
- Account Management
- Adyen
- Client Engagement
- Data Entry & Verification
- Debt Recovery
- Dispute Resolution
- Operations Management
- SAP
Work Experience
Mortgage Support Specialist
WNS
- Processed mortgage payments, loan payoffs, and projected payment calculations for customers holding refund checks.
- Explained complex escrow details, monthly payment changes, property tax adjustments, and homeowners' insurance updates.
- Handled specialized loan account requests, including Successor in Interest (SII), loan assumption, bankruptcy inquiries, and promise-to-pay (PTP) agreements.
- Managed lien releases, payoff statements, refund processing, and updated client contact and mailing information.
- Resolved customer inquiries for the Pennymac account at WNS by delivering accurate loan information and first-contact resolutions.
Support & Operations Specialist – Financial Back-office
Concentrix
- Managed the end-to-end financial lifecycle for property partners across the US, Canada, and LATAM, ensuring 100% accuracy in commission invoice processing and dispute resolution.
- Reconciled high volumes of "missing" payments by performing deep-dive investigations within SAP S/4HANA and ECC, successfully preventing unjustified account suspensions.
- Optimized partner relations by providing technical support for direct debit and credit card payment transitions, reducing payment failure rates for North American property listings.
- Audited complex daily financial files from Dlocal and Adyen for the Chile, Argentina, and Colombia markets to identify and resolve cross-border payment discrepancies.
- Facilitated the account reinstatement process for partners in "Closed Forever Book-off" (CFBO) status by verifying financial compliance and updating Finbase records.
Field Officer | Credit Specialist
Home Credit
- Oversaw high-stakes debt recovery and portfolio management, focusing on resolving overdue balances through direct client engagement.
- Negotiated tailored repayment solutions with clients to mitigate credit risks while successfully sustaining positive customer relations during the recovery process.
- Articulated complex financial policies and credit terms to customers to ensure transparency and improve the success rate of overdue collection efforts.
- Mitigated financial loss by identifying potential credit risks and implementing strategic negotiations to secure outstanding balances from delinquent accounts.
- Maintained a high standard of professional customer relations while consistently meeting targets for portfolio resolution and account recovery.
Project History
Financial Systems Reconciliation & Revenue Integrity Portfolio
Implemented specialized workflows for SAP S/4HANA and Stripe to ensure 100% payout accuracy and recover lost revenue through automated churn recovery and dispute defense.
Developed and managed specialized financial workflows designed to ensure cash flow integrity for global businesses. My work focused on two primary ecosystems: SAP S/4HANA and the Stripe billing platform.
In the SAP S/4HANA workflow, I managed complex partner reconciliations, resolving commission discrepancies by auditing ledger entries and overseeing sensitive “change of ownership” transitions to maintain historical data integrity. Within the Stripe ecosystem, I specialized in matching payouts to bank deposits and navigating the Stripe Dashboard to defend against chargebacks, effectively protecting client revenue.
Additionally, I used technical churn-recovery strategies by monitoring failed payments and automating follow-up sequences to recapture lost subscription revenue. This role required a unique combination of my bachelor’s degree in IT for system troubleshooting and my professional experience in financial policy negotiation.
Skills
Tools
SAP, Adyen, Zendesk
Administrative Operations
Support
CRM & Sales Tools
Zoho CRM
Customer Support
Identity Verification
Marketing Operations
Canva Template Editing
Productivity Suites
Google Calendar, Microsoft Excel, Google Docs
Professional Skills
Problem Solving, Data Annotation
Other
Dispute Resolution, Account Management, Operations Management, Back-office Support, Data Entry & Verification, Debt Recovery, Google Workspace, SAP ECC, dLocal, Portfolio Management, Credit Risk Mitigation, Strategic Negotiation, Client Engagement, Revenue Reconciliation, Ledger Auditing, Compliance, Operations, Phone Support, Chat Support, Finance, Fintech, Helpdesk, Payroll & Benefits, Customer Support, Financial Services, Escrow Analysis, Payment Processing, Payment Gateways
How to Work with Toptal
Toptal matches you directly with global industry experts from our network in hours—not weeks or months.
Share your needs
Choose your talent
Start your risk-free talent trial
Top talent is in high demand.
Start hiring