About Us
Razatos & Associates is a treasury and banking advisory firm focused on helping organizations improve financial operations, strengthen banking relationships, optimize treasury processes, and identify operational efficiencies that support long-term growth.
With more than 20 years of experience across treasury management, commercial banking, payment operations, liquidity management, and financial controls, we provide practical advisory support tailored to the operational and financial needs of each organization.
Founded by Chris Razatos, the firm combines extensive commercial banking experience with hands-on treasury leadership developed through global treasury operations, banking advisory services, and operational finance management. Chris spent more than 20 years with Wells Fargo advising commercial and middle-market clients on treasury structures, banking services, liquidity strategies, and operational banking solutions across a wide range of industries.
Today, Razatos & Associates supports organizations through advisory services focused on:
Treasury Operations & Liquidity Management
Banking Infrastructure & Payment Operations
Treasury Governance & Financial Controls
Treasury Modernization & Process Improvement
Banking Relationship Management
Operational Risk & Financial Oversight
Cross-Border Banking Operations
Our approach is practical, relationship-driven, and focused on helping organizations build stronger financial operations that support efficiency, visibility, and sustainable growth.
Scale & Capability
At our firm, we believe that having a third-party advocate can bring immense value to organizations by ensuring transparency and reducing overall monthly fees. We have a proven track record of helping both large and small clients optimize their banking operations.
Large-Scale Success: We successfully assisted a $1Billion nonprofit organization, operating across multiple states and countries, in streamlining their 200+ bank accounts across 40+ banks. Our efforts resulted in significant efficiency improvements and cost reductions.
Tailored Solutions for Smaller Organizations: For a $50 Million Chicago-based nonprofit, we conducted a comprehensive audit of their current banking arrangements. We discovered that their needs were not being met and strategically aligned them with a new banking partner. This realignment not only met their needs but also saved them thousands of dollars annually.
No matter the size or scale of your business, our team is equipped to deliver tailored solutions that enhance financial efficiency and reduce costs. Let us help you achieve similar results.
Meet the President
Chris Razatos founded Razatos & Associates with a commitment to helping organizations better understand their banking relationships, improve financial operations, and identify opportunities that support long-term success.
With more than 20 years of experience in commercial banking, treasury operations, and financial advisory services, Chris brings a practical and relationship-driven approach to every client engagement. His background includes working closely with businesses, nonprofit organizations, and financial stakeholders to help improve operational efficiency, strengthen financial processes, and support informed financial decision-making.
Chris believes that strong financial operations are built through transparency, communication, and trusted partnerships. His goal is to provide organizations with practical guidance and personalized support that helps simplify complex banking and treasury challenges while creating long-term value.
Through Razatos & Associates, Chris works closely with clients to deliver thoughtful advisory support focused on operational efficiency, treasury processes, banking relationships, and financial oversight.
