Ray joined Barlow Research in 1999 and has worked with managers and marketing professionals nationwide to create cost-effective research, conduct market intelligence, prepare segmentation and marketing plans and identify performance improvement opportunities. Before joining Barlow Research, Ray spent seven years as Chief Operating Officer of AgriBank, where he was responsible for Credit, Systems and Technology, Treasury Operations, Human Resources and Strategic Business Planning. Prior to that he was Chief Credit Officer at the Farm Credit Bank of St. Paul. Ray's commercial banking experience was in the Middle Market at Wells Fargo (formerly Norwest) where he managed several divisions, including: Technology, Communications, Real Estate and Dealer Finance. He has also been responsible for Cash Management Operations, International Trade Credit and Corporate Trust. He started his banking career at Indiana National Bank. He is a graduate of Ohio University.