Ray Tracy

Ray Tracy is an experienced financial services professional with extensive expertise in card operations, cash management, and electronic transaction processing. Currently serving as Manager for Card Services & Operations at UNFCU since November 2018, Ray Tracy previously held positions at Guilford Savings Bank, Citizens Bank, T&G Associates, NewAlliance Bank, and Savings Bank of Manchester. Key accomplishments include enhancing risk controls at Citizens Bank, providing operational leadership for a 100k card portfolio at NewAlliance Bank, and managing comprehensive electronic transaction processing at Savings Bank of Manchester. Ray Tracy holds a Bachelor of Science degree in Business, Management, Marketing, and Related Support Services from Albertus Magnus College and has furthered education at the National School of Banking through the American Bankers Association.