Christina Fitzgerald
Gilbert,AZ
Summary
Treasury Management and commercial payments specialist with 20+ years of experience in financial services and technology-driven banking environments. Deep expertise supporting ACH, wire, check, Positive Pay, and Integrated Payables solutions across enterprise client portfolios. Experienced in onboarding, payment file validation, ERP alignment, exception resolution, and cross-functional troubleshooting. Recognized for translating complex payment workflows into clear client guidance while ensuring compliance with NACHA, OFAC, and internal Treasury policies.
Overview
14
14
years of professional experience
Work History
AVP, Treasury Management Sales Analyst II
HTLF / UMB Bank
Aurora, CO
08.2023 - Current
- Serve as subject matter expert for commercial Treasury solutions including ACH origination, domestic and international wires, Positive Pay, check services, and integrated payment workflows.
- Lead onboarding and implementation support for Treasury services, coordinating payment setup validation, file testing alignment, and go-live readiness.
- Research and resolve complex client escalations involving ACH returns, wire investigations, payment rejects, pricing discrepancies, and service exceptions by partnering with Operations, Risk, and Technology teams.
- Support Integrated Payables workflows by reviewing account structures, validating product configurations, and ensuring alignment between client ERP systems and Treasury platform requirements.
- Monitor post-implementation activity to identify payment workflow failures, billing inaccuracies, or configuration errors and implement corrective actions.
- Support fraud mitigation efforts by onboarding and maintaining Positive Pay controls and assisting with exception item review and resolution.
- Participate in executive client calls to translate complex payment processes into clear, actionable guidance for AP and finance stakeholders.
- Analyze product usage and billing data post-setup to confirm accurate configuration and compliance with Treasury policies.
- Maintain current knowledge of NACHA rules, OFAC requirements, BSA/AML regulations, and internal Treasury Management controls.
- Reconcile Salesforce opportunity data with implementation records to ensure alignment between sales commitments and operational delivery.
AVP, Treasury Management Account Manager II
PNC Bank
Aurora, CO
07.2022 - 08.2023
- Managed 200-client portfolio across Business Credit and Large Corporate segments, serving as primary Treasury relationship contact.
- Led onboarding and implementation coordination for ACH, wire, and fraud prevention services, ensuring accurate product setup and workflow alignment.
- Developed detailed project plans for complex Treasury implementations requiring cross-functional coordination with Product, Operations, and Implementation teams.
- Tracked open service cases and escalations, proactively identifying delays and facilitating timely issue resolution.
- Conducted 90-day post-implementation reviews to validate payment configuration accuracy and service effectiveness.
- Standardized implementation job aids to improve onboarding consistency and reduce setup errors.
- Partnered with internal teams to address recurring service issues and enhance workflow efficiency.
AVP, Treasury Management – Senior Specialty Sales Analyst
Wells Fargo Bank
Aurora, CO
01.2012 - 07.2022
- Acted as SME for Treasury and electronic payment solutions supporting domestic and international commercial clients.
- Led implementation of electronic payment solutions, coordinating payment setup, file transmission alignment, and cross-functional testing prior to production deployment.
- Investigated and resolved payment workflow discrepancies, billing errors, and product configuration issues.
- Initiated KYC processes and ensured timely account openings in compliance with regulatory standards.
- Partnered with Product and Operations teams to support solution enhancements and pilot initiatives.
- Executed proactive risk mitigation strategies and supported compliance with internal and regulatory requirements.
- Mentored junior analysts and served as acting team lead, coordinating workflow oversight for 11 analysts.
Skills
- Commercial Payments Expertise
- ACH Origination, Returns & Exception Resolution (NACHA)
- Domestic & International Wire Processing & Investigations
- Positive Pay & Check Exception Management
- Integrated Payables & Payment Workflow Support
- Virtual Card & Electronic Payment Solutions
- Payment Lifecycle Management (Initiation through Settlement)
- Post-Implementation Validation & Billing Review
- Technical & Implementation Support
- Treasury Onboarding & Implementation Coordination
- Payment File Validation & Formatting Review (CCD, CTX exposure)
- ERP Alignment & Payment Configuration Support
- File Transmission Support (Secure Portal, SFTP coordination)
- User Acceptance Testing (UAT) Participation
- Case Management Documentation & Workflow Tracking
- Salesforce CRM & Data Reconciliation
- Risk & Compliance
- BSA / AML / OFAC Regulatory Awareness
- Fraud Mitigation & Positive Pay Controls
- Dual Authorization & Treasury Policy Adherence
- Operational Risk Identification & Escalation
Timeline
AVP, Treasury Management Sales Analyst II
HTLF / UMB Bank
08.2023 - Current
AVP, Treasury Management Account Manager II
PNC Bank
07.2022 - 08.2023
AVP, Treasury Management – Senior Specialty Sales Analyst
Wells Fargo Bank
01.2012 - 07.2022