Ray K. Ragan, M.Adm. (PM), SD&R, PMP, ITIL, AgilePro is the Chief Information & Technology Officer for the Baltimore-based Securityplus Federal Credit Union. Prior to Securityplus FCU, Ray worked in defense and financial technology, bringing machine learning, intelligence systems, and speech analytics to enterprise scale. Ray studied strategy and risk at Stanford University and the U.S. Army Command and General Staff College. Ray holds a Master’s degree in Administration from Northern Arizona University and is a credentialed Project Management Profession (PMP) with several Agile certifications. Ray is a combat veteran and a decorated U.S. Army officer, currently serving in the 75th Innovation Command’s National Capital Region Team. Ray is an Innovation Officer, specializing in ML-enabled cybersecurity and computer vision. Ray is a published author appearing in publications CU Times, Small Wars Journal, National Defense Magazine, among others.