Ray Pereira

Ray Pereira has a comprehensive background in banking, with experience at Bank of America as Senior Vice President managing Commercial Finance and Factoring teams, followed by a role as Executive Vice President at Capital One Bank. Ray then served as Head of Merchant Services and Director of Payments and Products at Hancock Whitney.

Ray Pereira obtained a B.S. in Finance from Florida State University in 1988, specializing in Finance and Accounting. Ray went on to earn an MBA with a Concentration in Accounting from the University of Tampa in 1988. In 1993, they obtained a Certified Cash Manager (CCM) certification from the Association of Financial Professionals (AFP), followed by a Certified Payments Professional certification from the Electronic Transactions Association in 2013.