Ray has two decades of experience developing some of First American's largest and most successful integrated vendor financing programs. He excels at identifying, launching, and supporting programs that drive incremental revenue for vendors.

Ray is a graduate of the Graziadio Business School at Pepperdine University and completed post-graduate accounting studies at St. John’s University Peter Tobin School of Business. He is a Certified Lease and Finance Professional (CLFP), a Certified Healthcare Financial Professional (CHFP), and a Blockchain (FinTech) Professional certified by Cornell University. He is also an active member of the Equipment Leasing and Finance Association (ELFA), the Healthcare Financial Management Association (HFMA), and the Healthcare Information and Management Systems Society (HIMSS). Ray has earned countless accolades throughout his career, including being named Business Development Manager of the Year in 2022 and 2023.

Outside of work, Ray is passionate about blockchain technology, economics, geopolitics, international travel, and animal welfare. He has traveled to 22 countries, lived in South America and five different U.S. states, and speaks three languages.