Ray Graber has a deep and thorough understanding of banking, technology, and finance.

His business experience includes: Banking technology research and consulting at TowerGroup, Marketing worldwide financial software applications for Digital Equipment Corporation, 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. Ray was an adjunct professor at the Carroll Graduate School of Management at Boston College where he taught the Financial Management of Commercial Banks, E-Banking, the MBA Leadership Course, and Corporate Finance as well as Working Capital Management and Cash Management at the Bentley College Graduate Business Program. He also taught several undergraduate courses at both schools.

Ray holds a Bachelor of Arts degree in Mathematics and an MBA in Finance and Computer Science from Boston College.