Luis Reyes-Cruz
Riverview,FL
Summary
Payment Advisor with 10+ years in financial services and 4 years specializing in digital payments, merchant services, and payment optimization strategies. Proven track record managing complex client relationships, advising businesses on payment acceptance, and partnering with cross-functional teams to deliver scalable payment solutions. Deep understanding of merchant acquiring, gateways, payment networks, interchange, and digital payment ecosystems. Known for influencing partner decisions, negotiating pricing, and driving revenue and portfolio growth. Seeking to leverage payments expertise and strategic relationship skills to support Capital One’s Digital Payments partner ecosystem.
Overview
11
11
years of professional experience
Work History
Virtual Payment Advisor
PNC
01.2022 - Current
- Serve as a strategic payments consultant for business clients, advising them on merchant acquiring, digital payments, gateways, fraud tools, and payment optimization.
- Partner with underwriting, onboarding, credit, risk, product, and technical teams to ensure smooth integration of merchant services and payment solutions.
- Negotiate pricing and terms with merchants while ensuring compliance with regulatory, risk, and operational policies.
- Strengthen relationships with business owners and key decision-makers, driving portfolio retention and expansion.
Financial Relationship Consultant
Regions Bank
05.2019 - 01.2022
- Cultivated and sustained client bases by consistently updating existing client plans and actively seeking new clientele
- Assessed financial data provided by clients to formulate strategies aligning with their financial goals
- Executed financial planning recommendations or direct clients to appropriate resources for plan implementation
- Generated leads from existing commercial clients, referral sources, and participation in sales or trade events
- Reached out to potential customers, presenting information and elucidating available services
Personal Banker
Fifth Third Bank
05.2018 - 05.2019
- Established and nurtured client relationships, ensuring the continual refinement of existing client plans and the continual acquisition of new clients
- Evaluated financial data provided by clients to formulate tailored strategies aligning with their financial objectives
- Cultivated prospects from existing commercial clients, referral leads, and participation in sales or trade meetings
Relationship Banker
Bank of America
09.2014 - 04.2018
- Facilitated the opening of deposit accounts and promoted a range of banking products, including credit cards, CDs, IRAs, and loans
- Provided quotes for rates, terms, and programs in response to customer loan requests
- Identified and referred cross-sell opportunities to enhance customer relationships
Education
Accounting
University of South Florida
01.2018
Skills
- Digital Payments
- Payment Gateways & Processors
- Pricing & Negotiation
- Relationship Management
- Bilingual-Spanish
- Compliance & Risk Navigation
Timeline
Virtual Payment Advisor
PNC
01.2022 - Current
Financial Relationship Consultant
Regions Bank
05.2019 - 01.2022
Personal Banker
Fifth Third Bank
05.2018 - 05.2019
Relationship Banker
Bank of America
09.2014 - 04.2018
Accounting
University of South Florida