Raquel Pena Cardenas

Raquel Cardenas


Raquel Pena Cardenas

EVP | Director of Consumer Products and Branch Operations



As the Director of Consumer Products and Branch Operations for Frost Bank, Raquel Cardenas is at the helm of the strategic direction and growth of everyday banking solutions, including a comprehensive range of deposit and lending products. Under her guidance, the product team consistently delivers innovative services such as OD Grace and Early Payday. Her portfolio managers are dedicated to meeting the unique needs of a diverse client population, from high-net-worth customers to those in underserved markets. Her team also manages the day-to-day operations of a 200-branch network, ensuring bankers are equipped to deliver service that is exactly what you unexpected from a bank. For the 15th consecutive year, Frost received the JD Power award, achieving the highest ranking for banking customer satisfaction in Texas.


Raquel shares that her favorite role is Cashier—the named signatory on official checks. “In that capacity, my job is to represent the customer. I listen to feedback from internal and third-party surveys and read complaints. I look to understand where we’re meeting expectations, where we might have missed the mark, and where we can do better.”


Raised in a first-generation Mexican-American home where Spanish was the primary language, Raquel remembers serving as a translator when her mom needed help talking to the bank. She felt more at ease when connected to a Spanish speaker and could speak for herself. “These experiences were an essential lesson on inclusion for me. Everyone needs the ability to save, access credit, and safely manage money. I’m proud of the work Frost has done to enable financial inclusion. From the products we offer to service in Spanish, we’ve come a long way in making everyone feel significant.


Raquel lives in Fair Oaks Ranch with her husband, John, and rescue dog, Buzz. They have two daughters, Cat – a freelance journalist based in Austin, and Lauren, who graduates from Boston University in May.


Frost – Banking, Investments, Insurance


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