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BDO warns clients vs. rising online Scams

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SCAM ALERT. BDO Unibank officials Cora Malilin, executive vice president and head of the Banking Group, and Roy Villareal, senior vice president and head of Digital Banking, discuss online banking security and fraud prevention during a media forum in Tacloban City on Sept. 4, 2026. The bank urged customers in Tacloban and Leyte to remain vigilant against increasingly sophisticated scams and reminded them never to click suspicious links or share account information and one-time passwords. (LIZBETH ANN A. ABELLA)
SCAM ALERT. BDO Unibank officials Cora Malilin, executive vice president and head of the Banking Group, and Roy Villareal, senior vice president and head of Digital Banking, discuss online banking security and fraud prevention during a media forum in Tacloban City on Sept. 4, 2026. The bank urged customers in Tacloban and Leyte to remain vigilant against increasingly sophisticated scams and reminded them never to click suspicious links or share account information and one-time passwords. (LIZBETH ANN A. ABELLA)

TACLOBAN CITY — BDO Unibank has urged its customers to remain vigilant against online scams, warning that fraudsters are becoming increasingly sophisticated in using text messages, social media, phone calls and other channels to make their schemes appear legitimate.

During a media forum in Tacloban City on Sept. 4, BDO Executive Vice President and Banking Group Head Cora Malilin reminded customers of three basic rules to avoid falling victim to fraud: do not click suspicious links, never share account information and never disclose one-time passwords (OTPs).

“Let us not be tempted by what is being offered to us and let us not believe immediately,” Malilin said, urging customers to verify unsolicited messages, calls and offers before taking any action.

“These are the three things that we should always remember as we progress digitally. Let us not be victims of scams,” she added.

BDO Senior Vice President and Digital Banking Head Roy Villareal said scammers are exploiting virtually every available communication platform and have become adept at impersonating legitimate institutions, including banks.

“Be vigilant. Maging alisto tayo,” he said.

Villareal said scammers use text messages, social media and phone calls, among other channels, and may sound convincing enough to make it difficult for customers to immediately determine whether they are dealing with an actual bank representative.
“Mind you, they are professionals. So in the moment, it’s hard to discern or to differentiate if the one calling is a representative of the bank,” he said.

Villareal advised customers who receive unexpected calls, messages or offers that they do not understand to simply disengage.

“If you have no idea at all, do not entertain it, ignore it and move on,” he said.
BDO continues to issue security advisories through its website, mobile applications and other communication platforms to warn customers about emerging scams and fraud risks.
The bank’s efforts are in line with broader measures by financial regulators to strengthen consumer protection and increase public awareness of financial fraud.

Government agencies have also been conducting the “Protect Your Money” campaign, a joint initiative of the Bangko Sentral ng Pilipinas, Insurance Commission, Philippine Deposit Insurance Corporation and Securities and Exchange Commission. The campaign aims to help consumers identify fraudulent schemes, report suspicious activities and better understand their rights and responsibilities in financial transactions.

The financial sector is likewise implementing safeguards under the Anti-Financial Account Scamming Act (Republic Act No. 12010), which strengthens measures against financial account scams and imposes penalties for fraudulent activities involving financial accounts.
Villareal said preventing financial fraud requires both banks and customers to play an active role, particularly as digital banking becomes increasingly common.

For customers, Malilin and Villareal emphasized that vigilance remains one of the most effective defenses against scams.

Their advice is straightforward: Do not be tempted. Do not click suspicious links. Never share account information or OTPs. And when in doubt, do not engage.

(LIZBETH ANN A. ABELLA)

Leyeco II power rate jumps by P2.44 per kWh in September

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TACLOBAN CITY — Electricity consumers of Leyte II Electric Cooperative (Leyeco II) will face a higher power rate this September, with the effective residential rate increasing by P2.4353 per kilowatt-hour (kWh) from the cooperative’s July 2026 rate amid higher generation costs and tight power supply in the Visayas grid.

Leyeco II said its effective residential power rate for the September 2026 billing month is P14.0488 per kWh, exclusive of value-added tax.

The cooperative attributed the increase mainly to higher generation system charges, a pass-through cost covering electricity purchased from power suppliers and generation companies.

According to Leyeco II, generation costs were driven higher by increased prices at the Wholesale Electricity Spot Market (WESM) and higher Line Loss and Congestion Charges (LLCC).

The cooperative said the Visayas Grid experienced power supply shortages during the period due to several power plants being temporarily shut down, while others operated at reduced or derated capacities.

The limited power supply resulted in Red and Yellow Alert notices issued by the National Grid Corporation of the Philippines (NGCP), the transmission service provider and system operator of the Philippine power grid.

The supply situation also led to the implementation of Manual Load Dropping (MLD), or rotational brownouts, in areas served by Leyeco II in recent weeks.

Leyeco II emphasized that the generation charge is a pass-through cost and is not retained as part of the cooperative’s distribution revenues.

Meanwhile, the cooperative’s Distribution, Supply and Metering (DSM) charges remain at P1.1866 per kWh, a rate that has been unchanged since 2010.

Leyeco II said the DSM charge covers the cooperative’s distribution revenues despite continuing investments in system improvements and increasing costs associated with providing reliable and efficient electricity services.

The higher September rate comes as power distributors across the Visayas continue to deal with supply constraints and fluctuations in electricity generation costs.

Leyeco II serves more than 96,600 member-consumer-owners in Tacloban City and the municipalities of Palo and Babatngon in Leyte.

(JOEY A. GABIETA)

Political theater

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The recent arrest of former House Speaker Martin Romualdez does not silence public suspicion that the government is merely staging a show of accountability, with the larger campaign aimed at destroying Vice President Sara Duterte and preventing her from seeking the presidency in 2028. Such doubts are serious and can be answered only by equal justice, credible evidence, and proceedings free from political control.

Romualdez was arrested after the Sandiganbayan issued a warrant in connection with a plunder case involving alleged kickbacks from flood-control projects. An arrest, however, is neither proof of guilt nor proof that the entire justice system has suddenly become independent. The government must demonstrate that the case will be pursued fully, that all alleged participants will be investigated, and that political relationships will neither protect the accused nor determine who will be prosecuted. Otherwise, the arrest may be viewed as a calculated sacrifice meant to give legitimacy to a broader political operation.

The suspicion surrounding Sara Duterte arises from the severe political consequences of the cases against her. A conviction in an impeachment trial could remove her from office and disqualify her from holding public office, effectively eliminating a major presidential contender before the 2028 election. That consequence does not by itself prove persecution, but it demands the highest degree of fairness. When legal proceedings can decide who may or may not appear on the ballot, weak evidence, selective prosecution, rushed hearings, and partisan voting become attacks not only against an individual but also against the electorate’s right to choose.

Romualdez and Duterte must therefore be judged according to the same basic rule: accusations must be proven through admissible evidence before impartial institutions. Romualdez should answer the plunder charge without protection from his family ties or former political power, while Duterte should face only charges supported by facts rather than hostility, speculation, or electoral calculation. The country cannot accept a system in which one prominent official is arrested to create the appearance of impartiality while another is subjected to every available legal weapon. Neither political popularity nor political rivalry should determine guilt.

The proper answer is not blind loyalty to Romualdez or Duterte, but relentless scrutiny of the institutions handling their cases. The Sandiganbayan, the Ombudsman, Congress, and the courts must disclose evidence, observe due process, and allow the public to examine whether their actions comply with the law rather than political orders. Romualdez’s prosecution must be carried through to its lawful conclusion, and every proceeding against Duterte must meet the same strict standard. Justice must punish proven corruption, but it must never be used as an administrative device to choose the country’s next president.

 

Why not claim the ring of fire?

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On September 3, China’s state-run Global Times published an opinion piece disputing Philippine sovereignty over Batanes. I see this as another attempt to nibble at the Philippine archipelago, one piece at a time. The claim is absurd, dangerous, and deserving of a firm national response.

The latest argument says that Batanes is legally part of Taiwan and therefore belongs to China. That logic already limps before it reaches the Bashi Channel: Beijing does not govern Taiwan, yet a writer in its state media uses Taiwan as a bridge for claiming Philippine territory. If mere geographic closeness determined ownership, maps would become menus, and powerful countries could help themselves to whichever neighboring island pleased their appetite.

Batanes is not an unnamed rock waiting to be discovered. Spain formally incorporated the islands into the Philippines in 1783; the province has remained under Philippine administration for more than two centuries; and the Ivatans are Filipino citizens who elect Philippine officials and live under Philippine law. I find it insulting that their identity and homeland can be treated as movable labels by writers armed with a ruler, an old map, and an obedient imagination.

China’s sweeping claims in the South China Sea were rejected by the 2016 arbitral tribunal insofar as they asserted historic rights beyond what the United Nations Convention on the Law of the Sea permits. Yet the pressure has not disappeared. It has taken different forms—coast guard patrols, maritime militia, intimidating maneuvers, official maps, academic forums, and now arguments that try to pull Batanes away from the Philippines through Taiwan.

This is how territorial ambition often moves: not always with the thunder of guns, but with the scratching of pens. A claim is aired by scholars, repeated by a state-run newspaper, circulated often enough to sound familiar, and eventually presented as an issue with “two sides.” I dislike that method because it turns repetition into a crowbar. Falsehood does not become history simply because it has been printed many times.

At this rate, why stop at Batanes? China might as well claim the entire Pacific Ring of Fire because its volcanoes and trenches are geologically connected. It could perhaps claim every island visited by the same migratory birds or washed by the same ocean current. The humor is deliberate, but the point is serious: physical connection, ancestral contact, or geographic proximity does not automatically transfer sovereignty from one state to another.

I also refuse to let the Ivatan people be reduced to exhibits in somebody else’s territorial argument. Their cultural ties with communities across the sea reveal centuries of migration and human contact, not Chinese ownership of their homeland. Families can have relatives across borders without surrendering their citizenship; cultures can share roots without sharing a government. To twist kinship into a title deed is to misuse anthropology and disregard the living choice and political identity of the people concerned.

The Philippines should answer this campaign with steady facts, visible governance, stronger defense, and close attention to Batanes and its people. Every false claim should meet a clear diplomatic rejection, every distorted history should meet credible scholarship, and every attempt to create uncertainty should meet a nation speaking with one voice. Batanes does not need noisy chest-thumping; it needs a country calm enough to know what is hers and determined enough never to let anyone erase it from the map.

Lifelong learning projects in this age of complexity

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An nagtanan, nanginahanglan hin pag aram, ha ano man nga sitwasyon, pirmi mahinunangdanon an pag kab-ot han kina-adman!

In an age defined by rapid change and social complexity, the idea of lifelong learning has moved from being a noble aspiration to an urgent necessity. Education can no longer be confined to the traditional classroom or limited to the youth; it must be a continuous journey that adapts to the evolving needs of individuals and society. Lifelong learning is not simply about acquiring skills — it is about cultivating resilience, dignity, and empowerment across all stages of life.

At the heart of this philosophy, Abuyog Community College (ACC) has pioneered initiatives that embody the transformative power of education. Two programs in particular — Project Paglaum and Project Liwanag — stand as compelling testaments to how lifelong learning can heal, uplift, and illuminate.

Project Paglaum: Education Behind Walls

Project Paglaum, a partnership between ACC, the Bureau of Corrections, and the Leyte Regional Prison, extends the gift of college education to persons deprived of liberty. In doing so, it redefines rehabilitation not as punishment, but as renewal. By opening classrooms inside prison gates, ACC affirms that learning is a right that transcends circumstance. For incarcerated learners, education becomes a bridge to dignity, a tool for reintegration, and a pathway toward healing both the self and society.

This initiative demonstrates that lifelong learning is not only about professional advancement; it is about restoring humanity. It challenges us to see prisons not as places of perpetual condemnation, but as spaces where transformation is possible — one lesson, one life at a time.

Project Liwanag: Illuminating Public Service

Equally inspiring is Project Liwanag, ACC’s program for government workers without college degrees. Many of these individuals have long served the public with dedication yet lacked the formal credentials that could advance their careers and deepen their impact. By offering structured pathways to higher education, ACC provides them with the opportunity to complete degrees while continuing their service.

Here, lifelong learning becomes a light — illuminating the path toward professional growth, empowering workers to rise in competence and confidence, and strengthening the institutions they serve. It is a recognition that education is not bound by age or status but is a continuing right and responsibility.

Together, Paglaum and Liwanag articulate a powerful vision: that lifelong learning is both inclusive and liberating. It reaches the margins — the imprisoned, the overlooked, the working adult — and affirms that education is the great equalizer. It heals wounds, restores purpose, and equips individuals to contribute meaningfully to society.

In embracing lifelong learning, ACC demonstrates that colleges are not merely centers of instruction, but agents of transformation. They remind us that when education is extended to all, society itself becomes more compassionate, more capable, and more just.
Lifelong learning, then, is not a luxury but a pathway of hope and illumination. It is the promise that no matter where one stands — behind prison walls or in the halls of government — the pursuit of knowledge remains open, vital, and redemptive.

Leading without breaking: Why most leaders burn out and how to avoid it

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Leadership is often portrayed as a position of power, influence, and reward. Yet behind the titles and achievements lies a harsh reality – burnout rates among leaders are alarmingly high. From CEOs to frontline managers, from nonprofit directors to government officials, countless leaders find themselves exhausted, disengaged, and struggling to keep up with the demands of their roles. Understanding why burnout strikes so many leaders and taking proactive steps to prevent it isn’t just about personal well-being – it’s essential for building sustainable teams and successful organizations.

The Root Causes of Leader Burnout

Burnout isn’t simply the result of working long hours – it’s a complex condition caused by a combination of structural, psychological, and cultural factors that often converge in leadership roles.

Unrealistic Expectations – From Others and Themselves

Leaders frequently face pressure from multiple directions: boards demand results, teams look for guidance, stakeholders expect accountability, and family and friends seek their time and attention. Compounding this external pressure is the internal drive many leaders have to excel – a perfectionist mindset that makes it hard to delegate, say “no,” or accept that not everything can be done perfectly or immediately. This double burden of external demands and internal standards creates a cycle of overwork that’s difficult to escape.

Lack of Control and Autonomy

Ironically, many leaders feel they have less control over their work than the people they manage. They’re often caught between organizational policies, competing interests, and external constraints that limit their ability to make decisions or implement changes. When leaders feel powerless to shape their work environment or address the issues that matter most to them, frustration builds, and motivation fades.

Isolation at the Top

Leadership can be a lonely role. Many leaders hesitate to share their struggles with team members for fear of appearing weak or undermining confidence. They may also feel disconnected from peers, viewing other leaders as competitors rather than allies. This isolation means leaders often lack the support network needed to process challenges, gain perspective, and recharge emotionally.

Blurred Boundaries and Constant Connectivity

The digital age has erased traditional lines between work and personal life. Leaders are expected to be available 24/7, responding to emails at midnight, taking calls on weekends, and staying plugged into social media and industry updates around the clock. Without clear boundaries, work seeps into every aspect of life, leaving no space for rest, recovery, or relationships outside of work.

Misaligned Values and Purpose

When leaders find themselves in roles that don’t match their core values or long-term goals, every day can feel like a battle. Whether it’s pressure to prioritize profits over people, or to pursue strategies that feel unethical or unsustainable, working against one’s values creates emotional strain that accumulates over time, leading to exhaustion and disillusionment.

Proven Strategies to Prevent Leader Burnout

Avoiding burnout requires intentional action – leaders must prioritize their well-being not as a luxury, but as a critical component of effective leadership.

Set Clear Boundaries and Protect Your Time

The first step is to reclaim control over your schedule and energy. Define non-negotiable personal time – whether it’s evenings with family, weekend hobbies, or daily exercise – and communicate these boundaries clearly to your team and stakeholders. Turn off work notifications outside of business hours, delegate tasks that don’t require your expertise, and learn to say “no” to requests that don’t align with your priorities. Remember that saying “no” to one thing means saying “yes” to what truly matters.

Build a Strong Support Network

You don’t have to lead alone. Cultivate relationships with trusted peers, mentors, and advisors who can provide honest feedback, emotional support, and fresh perspectives. Join leadership networks or peer groups where you can share challenges openly without fear of judgment. Consider working with a coach or therapist who specializes in supporting leaders – professional guidance can help you develop coping strategies and maintain perspective.

Delegate Effectively and Empower Your Team

Many leaders burn out because they try to do everything themselves. Effective delegation isn’t about offloading work – it’s about trusting your team to contribute their skills and grow their capabilities. Identify team members’ strengths, assign responsibilities that challenge and develop them, and provide clear expectations and support. When you empower others to lead, you lighten your load while building a stronger, more resilient organization.

Reconnect With Your Purpose
Take regular time to reflect on why you became

Reconnect With Your Purpose

Take regular time to reflect on why you became a leader in the first place. What values drive your work? What impact do you want to create? When you feel disconnected from your purpose, look for ways to realign your role with what matters most – whether that means adjusting your priorities, taking on projects that inspire you, or even making a change to a role or organization that better fits your values.

Prioritize Physical and Mental Well-Being

Your body and mind are the foundation of your leadership capacity. Make sleep, nutrition, and exercise non-negotiable parts of your routine – even small changes like taking a 10-minute walk during the workday or practicing mindfulness meditation can make a significant difference. Schedule regular breaks throughout the day, and take genuine vacations where you disconnect completely from work to recharge.
Foster a Culture That Values Balance

Leaders set the tone for their organizations. If you want to avoid burnout, create a culture where well-being is prioritized, not penalized. Encourage your team to take breaks, set boundaries, and prioritize their health. Recognize and reward sustainable performance rather than just long hours. When you model healthy leadership behaviors, you create an environment where everyone can thrive.

Leading for the Long Haul

Burnout isn’t an inevitable part of leadership – it’s a warning sign that something needs to change. By addressing the root causes of exhaustion and taking proactive steps to care for yourself and your team, you can build a leadership career that is not only successful but also fulfilling and sustainable.

Remember that great leadership isn’t about how much you can do in a day – it’s about how well you can guide your organization and support your people over the long term. When you lead with intention, balance, and purpose, you create lasting impact while preserving the energy and passion that brought you to leadership in the first place.
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If you have any questions or would like to share your thoughts on the column, feel free to send an email to jca.bblueprint@gmail.com. Looking forward to connecting with you!

 

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