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