Ray Garcia brings over 20 of experience in technology management and strategy within large global corporations and entrepreneurial ventures.  He has expertise in the research, development, and delivery of complex commercial software products to international clients.  Most recently Ray lead a team of researchers at the University of Arizona understanding the area of self-directed learning. 

He co-founded Smart Systems Technology in 2004, a company that delivered innovative contactless proximity payment and loyalty applications to large retail environments (sports stadiums) and was the first company to deploy multi-protocal RFID readers that accepted all three major credit cards.  In 2001 Ray formed a consulting practice, Alterwork LLC, to coach technology entrepreneurs at Venture Capital funded companies and performed a variety of functions as interim CTO including due diligence and turnaround efforts with numerous clients.

In 1998 he was the Chief Technology Officer of Clearcross Inc. a leader in providing international trade solutions to Fortune 500 companies.  Early in his career he worked as VP of Technology at Republic National Bank creating a consolidated account management application for Private Banking, and as a VP at Citicorp he worked for an internal business innovation group developing software for new banking services.  At Sybase he worked as a consultant to Morgan Stanley. 

Prior to working in the banking industry Ray was the Director of MIS for Restaurant Associates and started his career as a software engineer programming ERP solutions.  Ray spent a year teaching computer classes at Baruch College in the Continuing Education department. 

Ray is a member of the ACM and IEEE and has two published academic peer reviewed papers.