Independent Advice for Better Banking & Treasury.
We help organizations optimize their banking relationships, reduce unnecessary costs, strengthen treasury operations, and make informed decisions when banking needs change.
20+ years of commercial banking, treasury and financial experience.
Three Ways We Help You Get More From Your Banking Relationship
Whether you're looking to improve your current banking relationship, strengthen your treasury operations, or explore new banking and financing opportunities, Razatos & Associates provides an independent perspective focused on your organization's needs.
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Make Your Current Banking Relationship Work Harder
We examine your banking structure, services, fees and account performance to identify opportunities to reduce unnecessary costs, improve efficiency and get more value from the relationship you already have.
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Strengthen Your Treasury & Financial Operations
We help organizations improve treasury processes, liquidity management, payment operations, banking infrastructure and financial controls—creating greater visibility, efficiency and control.
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When Your Banking Needs Change
Sometimes the right answer isn't optimizing the current relationship. When your organization is evaluating another bank, seeking financing, or restructuring its banking needs, we help you understand your options and navigate the process.
Your Bank Has Its Relationship. You Need Someone Looking at Yours.
Your bank is an important partner—but its priorities aren't always the same as yours.
Razatos & Associates provides an independent perspective on your banking and treasury relationships. We look at how your accounts, services, fees, liquidity, payments and banking structure work together—and where there may be opportunities to improve them.
Our objective isn't to change banks. It's to help you make the right banking decisions for your organization.
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We work for you—not the bank.
Our perspective is independent of any financial institution, allowing us to focus on your organization's needs and objectives.
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Banking expertise from the inside out.
With more than 20 years of commercial banking, treasury and financial experience, we understand how banking relationships work—and where opportunities can often be overlooked.
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Advice you can put to work.
We focus on practical opportunities that can improve efficiency, reduce unnecessary costs and strengthen your financial operations.
Is Your Banking Relationship Costing You More Than It Should?
Your organization may be paying for banking services it doesn't need, missing opportunities within its existing relationship, or carrying an account structure that no longer fits the way your business operates.
Our complimentary Commercial Bank Account Optimization Audit takes a closer look at your current banking services, account structure, fees and earnings credit to identify opportunities to reduce costs and improve efficiency.
No obligation. No requirement to change banks. Simply an independent look at your current banking relationship.
More Than Banking. It's How Everything Works Together.
Banking, treasury and financial operations are interconnected. The right account structure, payment processes, liquidity strategy and banking services can have a meaningful impact on efficiency, visibility and cost.
Razatos & Associates helps organizations evaluate those connections and identify opportunities to improve how their financial operations work together.
Payment Operations
Review payment processes and identify opportunities for greater efficiency and control.
Treasury Governance
Strengthen controls, oversight, reporting and accountability.
Process Improvement
Identify unnecessary complexity and create more efficient financial workflows.
Treasury Operations
Improve treasury workflows, cash visibility and day-to-day financial operations.
Banking Infrastructure
Evaluate account structures, banking services and the overall architecture supporting your organization.
Liquidity Management
Improve visibility and control over cash and liquidity.
Strategic Advisor to Ripple
Bringing Banking Expertise to the Next Generation of Financial Infrastructure
Razatos & Associates provides strategic consulting support to Ripple, bringing more than 20 years of commercial banking and treasury experience to the evolving payments and financial infrastructure landscape.
Our work with Ripple gives Razatos & Associates a firsthand perspective on emerging financial technologies and how they may intersect with the needs of organizations navigating today's banking environment.
Strategic Consulting • Commercial Banking • Treasury • Payments
Experience That Comes From Inside the Banking Industry.
20+ YEARS
Commercial Banking & Treasury Experience
BANKING EXPERIENCE
Commercial Banking • Treasury Management • Financial Analysis
INDEPENDENT PERSPECTIVE
Advice focused on your organization's objectives—not a bank's products.
Razatos & Associates brings more than 20 years of commercial banking, treasury and financial leadership experience to every engagement.
Founded by Chris Razatos, MBA, the firm combines firsthand banking experience with an independent perspective focused on helping organizations make better decisions about their banking and financial operations.
We understand banking from the inside—and now we work on your side of the relationship.
What Organizations Often Discover
Unnecessary Costs
Banking relationships can contain fees and services that no longer fit the organization's needs.
Missed Opportunities
Account structures, earnings credits, liquidity and payment services may not be working together as efficiently as they could.
Greater Clarity
An independent review can give decision-makers a clearer picture of how their banking relationship is working
Let's Take a Closer Look at Your Banking Relationship.
Whether you're looking to reduce banking costs, strengthen treasury operations, evaluate a new banking relationship, or explore financing options, let's start with a conversation.