CARLOS CONCHAS
DFW,Texas
Summary
Merchant payments professional with a background in consultative selling, onboarding coordination, and portfolio growth. Partners with underwriting, risk, and operations to speed activations, coaches frontline bankers on payment solutions, and builds trusted merchant relationships that support product adoption and new opportunity development.
Overview
21
21
years of professional experience
Work History
AVP, SENIOR MERCHANT CONSULTANT
Bank of America
Fort Worth, Texas
01.2014 - 05.2026
- Reviewed complex merchant processing statements and product fit to recommend tailored solutions, reducing client friction and improving onboarding readiness.
- Supported merchant engagement efforts to identify new verticals and build long-term growth plans, improving portfolio opportunity clarity.
- Worked with risk, underwriting, and operations teams to clear onboarding blockers, speed activation timelines, and improve coordination.
- Coached relationship managers and branch partners on payment features and escalation paths, strengthening frontline advisory skills and client satisfaction.
- Maintained accurate deal records and compliance documents during onboarding, reducing rework and supporting reliable account activations.
- Built merchant relationships through consultative conversations and tailored proposals, deepening trust and expanding product adoption.
PERSONAL BANKER
Wells Fargo Bank, NA
Fort Worth, TX
07.2012 - 01.2014
- Delivered exceptional customer service through proactive outreach and personalized product recommendations to support clients' financial goals.
- Recommended tailored bank products and digital services to enhance customer adoption and satisfaction.
- Gained in-depth knowledge of banking products and services to effectively match solutions to client needs.
- Facilitated account openings, service requests, and credit applications while ensuring compliance and accuracy.
AVP, BUSINESS BANKING RELATIONSHIP MANAGER
JPMorgan Chase
Fort Worth, TX
06.2011 - 07.2012
- Managed a portfolio of 120 business clients with $1-$15M revenue, driving deposit and credit growth across accounts.
- Delivered tailored business banking solutions to Chase clients, enhancing their financial experience by addressing specific needs and circumstances.
- Identified financial goals of business clients; built relationships with partners across Chase Wealth Management, Home Lending, and Branch Teams to connect clients with relevant specialists.
- Conducted in-person calls with prospects, centers of influence (COIs), and existing clients at their places of business. Followed a disciplined relationship development process to maintain and build relationships.
- Proactively pursued potential new business clients, looking for ways to cultivate long-term, primary banking relationships.
- Led support for assigned branches while ensuring compliance with risk management protocols and regulatory requirements to safeguard the firm.
BUSINESS BANKING SPECIALIST
Wells Fargo Bank, NA
Fort Worth, TX
04.2005 - 06.2011
- Served as a trusted advisor by recommending business accounts, credit, treasury services, and digital tools to meet client objectives.
- Analyzed operations to develop tailored, compliant recommendations aligned with clients' business goals and financial needs.
- Coordinated with Relationship Managers, Merchant Consultants, and Payroll Associates to resolve complex account structures and deliver comprehensive client service.
- Mentored bankers on client discovery and financial-product fit to enhance team capability and ensure consistent service delivery.
Education
HIGH SCHOOL DIPLOMA -
Northside High School
Fort Worth07-2001
Skills
- Cross-functional leadership
- Business acumen
- Client relations
- Portfolio management
- Team development
- Merchant onboarding
- Payment processing
- Risk underwriting
- Merchant analysis
- Relationship management
LANGUAGES
Spanish (Native)
Timeline
AVP, SENIOR MERCHANT CONSULTANT
Bank of America
01.2014 - 05.2026
PERSONAL BANKER
Wells Fargo Bank, NA
07.2012 - 01.2014
AVP, BUSINESS BANKING RELATIONSHIP MANAGER
JPMorgan Chase
06.2011 - 07.2012
BUSINESS BANKING SPECIALIST
Wells Fargo Bank, NA
04.2005 - 06.2011
HIGH SCHOOL DIPLOMA -
Northside High School