Patrick Crago

About Patrick Crago

I’m a results-oriented financial professional with deep expertise in international treasury, trade finance, and cross-border payment strategy—driven by a passion for digital innovation in financial services. As AVP at PNC Bank, I architect global cash flow solutions for corporate clients, leveraging technologies such as SWIFT for Corporates, ISO 20022, APIs, and multinational card programs to optimize liquidity, reduce risk, and enable scalable international growth.My career has focused on bridging traditional banking infrastructure with emerging FinTech capabilities. I’ve helped lead strategic initiatives to expand PNC’s international banking footprint across Europe, Canada, Mexico, and the UK—developing market-entry strategies, building business cases, and launching treasury services in complex regulatory environments. I’ve also re-engineered internal trade finance processes to enhance automation, reduce friction, and prepare for future digital integrations.Beyond banking, I bring over a decade of operational leadership as Director of HR and Assistant GM at Patrick’s Pub, where I manage a 50+ person team, oversee compliance, and implement technology solutions to streamline operations. I’m a certified advocate for women’s business initiatives and a frequent speaker at international trade forums, including ASEAN and VEDP VALET programs.I hold a Bachelor of Business Administration from Ohio University, with concentrations in Management Information Systems, Finance, and Business Analytics. I’ve earned a FinTech Certificate from HarvardX, with specialized training in digital assets, international payments, and AI, and hold an O2C and P2P Processes Certification from the Institute of Finance & Management. With a unique blend of financial expertise, operational leadership, and tech fluency, I’m committed to helping organizations modernize their financial ecosystems and unlock new value through digital transformation.

Experience

1. International Treasury & Trade Advisor, AVP

   PNC

   Jan 2025 — Present · Pittsburgh, PA, US

   In my role as an International Treasury and Trade Advisor (AVP), I partner with corporate clients to design and deliver innovative global cash flow solutions. I leverage a suite of advanced products—including SWIFT for Payments and Information Reporting, Integrated Payables and Receivables, APIs, Foreign Currency Accounts, and Multinational Card Programs—to optimize international treasury operations. I bring deep expertise in Swift for Corporates, including FileAct and ISO 20022 standards, to facilitate secure and efficient data exchange across financial institutions and infrastructures. Additionally, I advise both corporate and correspondent banking clients on trade finance instruments such as Import, Export, and Standby Letters of Credit, as well as Documentary Collections, to help mitigate cross-border payment risks. I also lead efforts to modernize PNC’s trade finance bid request process by integrating new technologies that enhance straight-through processing, reduce manual dependencies, and create scalable, reusable solutions for future growth.This role allows me to combine technical expertise, strategic advisory, and innovation to support clients navigating the complexities of global commerce.

Education

• Harvard Online

  Certificate, FinTech

• Ohio University

  Bachelor of Business Administration - BBA, Majors: Management Information Systems and Finance | Minor: Business Analytics

  2016 — 2020

Skills

• Microsoft Office
• Bartending
• Banquet Serving
• Project Management
• Leadership
• Time Management
• Food & Beverage
• Customer Service
• Microsoft Excel
• Management
• Strategic Planning