Mostly true. At the end of a word it's pronounced as though it were followed by an 'e' or an 'i'. I used to work with a guy named Gerardo Ochoa. His username

Mostly true. At the end of a word it's pronounced as though it were followed by an 'e' or an 'i'. I used to work with a guy named Gerardo Ochoa. His username was gochoa, but when addressing him in person we'd sometimes call him "jochoa." (Not his real name or username, but what I'm describing is true in its essence.)