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Ray Crosier has day-to-day operating responsibility for Online Resources reporting to the chief executive officer. He manages the Company’s three major operating divisions and its banking technology unit. Crosier also serves on the Board of Directors (executive committee) for the Electronic Funds Transfer Association an inter-industry trade association dedicated to the advancement of electronic payments. Crosier has over 25 years of management experience in payment systems transaction processing and financial services technology. He rose through the ranks to become vice president sales and customer service for First Data’s TeleCheck division. He joined Online Resources in 1996 as senior vice president of sales and also served as executive vice president of client services. He has served as President & COO since 2001. Crosier is a graduate of the University of Virginia. | 