Why the story behind CebuVA/Benjamin CFO App‘s founder doesn’t add up
While CebuVA promises high passive income, co-ownership of agencies, and perks like Hilux down payments and iPads, I decided to ask the critical question:
Who is the person behind all this?
Here’s what I found about Benjamin Thodeus Horbowy, Horbowy Benjamin Alexander, a.p.h.a (also presenting/posing himself as) Benjamin CFO on Tiktok, Benjamin Horbowy in the the Angel Seat flyer, “Benjamin Horbowy, CFO – AI Business Growth Expert – CebuVA” on his LinkedIn, “Benjamin Horbowy, CFO” on multiple company pages (like CebuVA AI Call Center)
Summary
Has prestigious affiliations — for example, being a U.S. veteran, a Stanford graduate, a politician, or a minister — which are leveraged to promote CebuVA, creating a false sense of security for victims, while no actual legal entity, registration, or trust exists behind these claims.
PDF attachment at the bottom of this post👇
How He Presents Himself
On LinkedIn and in promotional materials, he uses several names:
- Benjamin CFO
- Benjamin Thodeus Horbowy
- Benjamin Horbowy
- HORBOWY, BENJAMIN ALEXANDER (from the fictitious name filing)
He claims to be:
- Chief Financial Officer of a U.S.-registered trust fund (Benjamin CFO App)
- A U.S. military veteran
- A Stanford Graduate School of Business graduate
- A minister or mission-driven entrepreneur, aiming to end poverty through tech
Professional Background
- Profile Name: “Benjamin Horbowy, CFO – AI Business Growth Expert – CebuVA” wiza.co+3cebuva.com+3cebuva.com+3
- Current Role: Lists himself as Chief Financial Officer at CebuVA AI Call Center, with a tagline emphasizing “Cut Costs. Drive Growth.” cebuva.com
- Marketing & Recruitments Posts:
- Claims active involvement in scaling virtual assistant (“Virtual Angels”) teams (e.g., 6,300+ affiliates) and positioning CebuVA as an AI call-center powerhouse targeting U.S. businesses cebuva.com.
Educational Background Claimed
- Stanford Graduate School of Business alumnus is listed under his education section ivy.fm+7cebuva.com+7drf.vc+7.
- He also presents himself as a U.S. military veteran and minister, though no independent verification is provided anywhere on LinkedIn or external records .
Discrepancies & Red Flags
- No independent verification of his Stanford GSB claim — missing from alumni directories and third-party sources.
- Mix of roles and credentials: CFO, veteran, minister, Stanford grad — lacking tangible proof.
- Only evident business registration is a Florida fictitious business name — not a legal trust, company, or charity.
| Claim | Reality |
|---|---|
| Stanford GSB | No record in alumni directories |
| CFO (CebuVA) | Role is self-identified; no official business registration found |
| Veteran / Minister | Strong branding, but unverified claims |
| U.S. Trust Fund Operator | Only a fictitious name registration exists |
What Public Records and LinkedIn Reveal
| What He Claims | What We Found |
|---|---|
| Stanford GSB graduate | No verification via Stanford alumni directory or independent records. |
| U.S. trust fund operator | “Benjamin CFO App” is only a fictitious name registration in Florida — not a legal trust, charity, or business entity. |
| Florida CFO candidate (2026) Prior Florida campaign violations; 2020 arrest for trespassing; currently based in Cebu. | |
| Veteran, minister, entrepreneur | Uses these labels in promotional language; no independent confirmation. |
| CFO of CebuVA | No PH SEC, DTI, or POEA registration; operation relies on affiliate links and recruitment. |
Why This Doesn’t Add Up
If Benjamin Horbowy a.k.a. Benjamin CFO, Benjamin CFO App, and etc. were truly:
- A Stanford-educated financial leader
- A U.S. military veteran
- A minister helping end poverty
Not to mention him being a public figure, a politician in Florida i.e. Chief Financial Officer candidate for 2026 Election
Why would he:
- Operate an unregistered, offshore scheme targeting Filipino workers, investors and their social circles?
- Push disputes to Indian law (Haryana) rather than U.S./PH courts?
- Use recruitment-heavy models, advance fees, and perks promises instead of legitimate contracts?
Key Takeaways
When someone uses prestigious credentials and titles like CFO, Stanford grad, minister to promote unregistered schemes — it’s a red flag.
⚠ Always verify:
- Company registrations (SEC, DTI, POEA)
- Educational records
- The real structure behind income promises
********************************************************************Public trust and moral standing may be questionable.
Despite presenting himself as a leader and advocate (e.g., “The People’s CFO”), he has a record of defying basic rules, which could reflect on his business ethics.
It contrasts with the image of being a responsible entrepreneur, especially when promoting ventures involving financial investments and recruitment in another country.
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Coming in Part 3:
We’ll highlighting again and breaking down how the Terms & Conditions, recruitment model, and hidden fine print put job seekers and investors at risk.
If you haven’t read Part 1 yet?
Go back to [Part 1: How I Discovered the Red Flags Behind CebuVA and Benjamin CFO] — where I explain how I came across the scheme on TikTok, the upfront fees, and the exaggerated income promises that first made me suspicious.
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PDF Attachments
P.S. Kung need mo og binisaya nga version, comment lang mo kay ako trabahuon sunod ig human nako ani tanan.
—marymancee✨
Some Random Thoughts 