Ray is a graduate from Indiana University Southeast where he earned his bachelor’s degree. He completed his Master’s Degree at Loyola University Chicago and later graduated from the Graduate School of Banking at Colorado. He began his community banking career in 2008. He serves on the board of directors for the New Albany Floyd County Education Foundation. Additionally, he serves in varied volunteer leadership roles with St. John Paul II Catholic Parish, with the Prossor School of Cosmetology, and with the Falls of the Ohio Foundation Advisory Board. Ray and his wife, Meredith, live in Sellersburg, Indiana, and have four children.