Ray has a deep and thorough understanding of finance, banking, and technology. His business experience includes research at TowerGroup; best practices Internet security, policies, and procedures at FleetBoston Financial; wire transfer operations and product launches at Citibank and BankBoston; and treasury operations for a $325 million public company. As an adjunct professor at the Carroll Graduate School of Management at Boston College he taught the Financial Management of Commercial Banks, Corporate Finance, E-Banking, and the MBA Leadership Course. At Bentley College’s Graduate Business Program he taught Working Capital Management and Cash Management. Ray holds a Bachelor of Arts degree in Mathematics and an MBA in Finance and Computer Science from Boston College.