Ray is the Senior Vice President of Channel Partnerships at Revaly, the Payment Performance Management platform that connects merchants and issuers to improve payment outcomes. Formerly FlexPay, Revaly has evolved beyond failed-payment recovery to become the infrastructure that optimizes payments across the entire transaction lifecycle. With over 20 years of experience in the global payments industry, Ray has held strategic roles at JPMorgan Chase, Ingenico ePayments (acquired by Worldline), and Litle & Co. (now part of Vantiv/FIS). Beyond payments, he has served in senior leadership roles at Sempris, The Reunion Group, and AEGON/TransAmerica Life, focusing on continuity, loyalty, and direct marketing programs. Ray holds an MBA from Texas Christian University (TCU) and resides in Dallas, TX.