Experience That Comes From Inside the Banking Industry.
Razatos & Associates was built on more than 20 years of commercial banking, treasury and financial leadership experience.
Founded by Chris Razatos, MBA, the firm brings firsthand knowledge of how banks structure relationships, price services, manage risk and deliver treasury solutions.
Today, that experience is applied from a different perspective: working on behalf of organizations—not the bank.
Built on Banking Experience. Focused on Your Organization.
Razatos & Associates brings more than two decades of experience across commercial banking, treasury management, financial analysis and financial leadership.
That experience includes working directly with businesses and organizations to understand their financial needs, structure banking relationships, manage treasury services, evaluate credit and financing opportunities, and navigate complex banking decisions.
Having worked on the banking side of the relationship, Chris understands how banks evaluate clients, structure services, price relationships and manage risk.
That perspective now works for you.
Rather than representing a particular bank or promoting a specific product, Razatos & Associates provides an independent view of your banking and treasury environment—with the objective of helping you identify opportunities, ask better questions and make informed decisions.
COMMERCIAL BANKING
More than 20 years of experience working with businesses and organizations across commercial banking and relationship management.
TREASURY & FINANCIAL OPERATIONS
Experience spanning treasury management, payments, liquidity, financial analysis and banking operations.
INDEPENDENT PERSPECTIVE
Banking expertise applied from your side of the relationship—not the bank's.
Chris Razatos, MBA
Founder | Razatos & Associates
With more than 20 years of experience in commercial banking, treasury and financial leadership, Chris Razatos has spent his career helping organizations navigate complex banking and financial decisions.
His experience includes senior relationship management and project leadership roles with Wells Fargo and JPMorgan Chase, working with businesses and organizations across commercial banking, treasury management, financial analysis, payments, credit and banking operations.
Over the course of his career, Chris has seen the banking relationship from both sides—how banks evaluate relationships, how services are structured and priced, and how organizations can sometimes overlook opportunities within their existing banking environment.
That experience became the foundation for Razatos & Associates.
Today, Chris applies that knowledge independently, helping organizations better understand their banking relationships, strengthen treasury operations, reduce unnecessary costs and evaluate their options when their financial needs change.
“I spent more than 20 years working on the banking side of the relationship. Today, I use that experience to work on the client's side.”
A Different Perspective on Your Banking Relationship
Your bank has a responsibility to its organization. We have a responsibility to yours.
Razatos & Associates provides an independent perspective on banking and treasury decisions without representing a specific financial institution or promoting a particular banking product.
We start by understanding how your organization operates, what you're trying to accomplish and where your current banking relationship may be creating unnecessary costs, complexity or limitations.
From there, we help you evaluate opportunities and options based on your organization's objectives—not a bank's sales goals.
INDEPENDENT
We don't represent a bank. Our perspective is focused on your organization's needs and objectives.
EXPERIENCED
Our recommendations are grounded in firsthand commercial banking, treasury and financial experience.
PRACTICAL
We focus on actionable opportunities that can improve efficiency, reduce unnecessary costs and strengthen your financial operations.
We don't believe every organization needs a new bank. Sometimes the best opportunity is getting more from the relationship you already have.
Better Banking Starts With Better Questions.
We believe organizations shouldn't have to accept their banking relationship as something that simply happens to them.
Banking services, fees, account structures and treasury processes should be evaluated against the way your organization actually operates.
Our approach is simple:
Understand first. Question assumptions. Identify opportunities. Make informed decisions.
We believe the right banking strategy isn't necessarily about changing banks. It's about understanding what you have, knowing what you need and making sure the two are aligned.
Three Principles
LOOK BEYOND THE BANK STATEMENT
Banking costs and opportunities can extend well beyond the fees that appear on a monthly statement.
CHALLENGE THE STATUS QUO
A banking relationship that worked five years ago may not be the right structure for your organization today.
PUT YOUR OBJECTIVES FIRST
Every banking and treasury decision should ultimately support the organization's operational and financial objectives.
Independent advice isn't about telling you what to do. It's about giving you a clearer view of your options.
Let's Take a Closer Look at Your Banking Relationship.
Whether you're looking to optimize your current banking relationship, strengthen treasury operations, or evaluate what's next, we're ready to have the conversation.
