Ray Graber
President at Graber Associates LLC
Ray Graber has a deep and thorough understanding of banking, technology, and finance. His business experience includes banking technology research and consulting at TowerGroup, 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 School of Management at Boston College where he taught three graduate-level courses: E-Banking, theMBA Leadership Workshop, and Corporate Finance. Previously, he taught the Financial Management of Commercial Banks in the Boston College Carroll School of Management Masters of Finance Program and Working Capital Management 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 MIS, both from Boston College.
Upcoming Webinar
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Recorded Webinar
Accounts Payable Payment Fraud, Risk and Risk Mitigation (ACH, Check, and Card)
The passage of Sarbanes-Oxley back in 2002 forced many companies to look deeper into internal Accounts Payable controls. They realized that is was not an easy task. Implementing internal controls takes time, money, and effort. However, if fraud or missteps are uncovered, it will be worth the investment. If not, you have the knowledge that your ship is tight.
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Blockchain for Risk Management /Data Security: Emerging Technological Approach for KYC and Secure Transactions
A Blockchain is a transaction database shared by all nodes participating in a system based on the Bitcoin protocol. This course describes what Blockchain is and its financial applications to creating secure KYC and payment data sets. This course also explains a Blockchain concept where the Blockchain itself is a shared single source of truth.
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"Cybercurrency - What is it, How does it Work, and What about Regulations?"
Bitcoins have gotten much more traction than early detractors and pundits expected. With that reality, what do banks need to do, if anything, to prepare for their existence and surprising acceptance? This session will present the fundamental workings of virtual currencies with an emphasis on bitcoin and the current state of the regulatory front. We will get your thinking caps energized as to how bankers might approach virtual currencies and some thoughts about what the future might hold for bitcoin.
Recorded Session Get life time access for one participant with download option!

Bitcoin: Fear, Uncertainty, and Doubt (FUD)
Bitcoins have gotten much more traction than early detractors and pundits expected. With that reality, what do banks need to do, if anything, to prepare for their existence and surprising acceptance? This session will present the fundamental workings of virtual currencies with an emphasis on Bitcoin and the current state of the regulatory front. We will get your thinking caps energized as to how bankers might approach virtual currencies and some thoughts about what the future might hold for Bitcoin. It appears that Bitcoin and blockchain are here to stay - what does that mean to your institution?
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B2B Payments in the U.S.: Check Fraud, Risk Prevention, & Compliance Issues
In the course of this training program, attendees will participate in informative discussions and learn key aspects of the role and key players involved in B2B payments. The U.S. Business-to-Business (B2B) payments industry is currently facing an identity crisis. The antiquated infrastructures of Banking Past are becoming increasingly unreliable. For the old systems to continue functioning, they usually require repair or replacements. Performing these facelifts and/or substitutions is a task that is as daunting as it is expensive it is unsurprising that institutions are reluctant to launch a project to completely overhaul its current enterprise payments network.
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Cash Management Essentials: A User's Perspective - How, Why, Where and What
Cash management seems simple enough; money comes in, money goes out. However, managing the flows and gathering the right information at the right time is complicated and tricky. Understanding the pitfalls and anticipating Murphy's Law is both a science and an art.
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Consumer E-Payments - Complying with Auditor's Standards: Specific Payments Types
This E-payments compliance training will outline and discuss electronic payments: Including electronic checks, bankcards, payment cards, ACH, EFT/POS networks, electronic bill payment, person-to-person (P2P) and account-to-account (A2A) payment systems. We will talk about risk profiles and the quality of risk management practices as required from internal and external auditors.
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Credit Card Surcharging - Who is Going to Do it and What are the Stipulations for Compliance?
This training on credit card surcharges compliance will discuss how the recent changes in law will affect end-user organizations. It will also provide attendees with the tools necessary to review and deal with any potential surcharge/checkout fee situations.
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Payment Risk Management and Fraud Control: Protect your Business and your Customers against Fraud
Is your financial institution or corporation ready for the future? The payments landscape and regulatory climate continues to undergo dramatic change and now is the time to plan for what's coming. This webinar is tailored to help you understand how strategic planning and risk management impact growth, regulatory uncertainty, and protecting your business. This session allows for a dynamic exchange of ideas related to payments strategies and risk management programs and serves as a unique opportunity for financial institutions and corporations to gain insight and prepare for the future.
Recorded Session Get life time access for one participant with download option!

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