Ray is a seasoned founder, business leader and product manager with a track record of building successful businesses, products and teams. He has over fourteen years of business and product management experience building beautiful, innovative products that solve real consumer pain points while creating business value. Ray was trained in corporate strategy and data-driven decision making before building a history of success executing in all facets of product management at both major multinationals (e.g., VISA, UFC Gym) and start-ups (e.g., PayDivvy, Pave, Hero), while leading cross-functional teams. Ray currently serves as a Director (Product Management) at Citi FinTech.