About

Hello there

Hi, I'm Raycart "Ray" Ore, - I turn complex programs into scalable, high-impact solutions that drive growth, compliance, and customer trust.

Digital transformation leader with 20+ years delivering high-impact programs across banking, fintech, and enterprise IT. I’ve led switch migrations (TSYS, EURONET), deployed MasterCard 3D Secure, and launched a scalable eKYC platform that doubled CASA growth and cut onboarding costs. My oversight of EMV and cardless transitions reduced fraud by 87% and strengthened regulatory alignment. Certified in Scrum, SAFe 6, Six Sigma, and ITIL, I drive hybrid delivery models that accelerate outcomes, improve compliance, and enhance customer experience. Open to strategic roles across New Zealand, the Philippines, and Asia Pacific ready to lead transformation, shape digital roadmaps, and deliver measurable results.

I’m actively seeking opportunities where I can lead strategic programs, shape digital roadmaps, and drive measurable business outcomes. Let’s connect if you're hiring for Program Manager, Digital Delivery Lead, or Transformation Director roles in fintech, banking, or enterprise IT.

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Agile Delivery

Empowering cross-functional teams to deliver faster, smarter, and with measurable impact.

Digital Banking

Led mobile and e-channel innovations that scaled access and boosted onboarding by 105%.

Risk & Compliance

Mitigated delivery risks and ensured regulatory alignment across multimillion-dollar programs.

Strategic Leadership

Translating business goals into tech execution with stakeholder alignment and delivery precision.

2004

Started Banking Career

Joined Philippine National Bank, laying the foundation for tech-integrated operations.

2014

Program Manager Role

Led multimillion-peso digital programs at Security Bank, driving transformation.

2023

Digital Delivery Lead

Spearheaded eKYC and agile frameworks, boosting onboarding and reducing timelines.

2025

Migration to NZ + Master’s

Relocated to Hamilton and began Master of Applied IT at Wintec, expanding global impact.
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"Driving digital transformation through strategy, agility, and human-centered delivery."

Process Optimization

Human-Centered Design

Data-Driven Decisions

Creative Technical Thinking

Skills

With over two decades of experience in banking technology and digital transformation, I bring a proven ability to lead complex programs, optimize delivery pipelines, and drive innovation across mobile, card, and e-channel platforms. My skillset spans agile frameworks, risk mitigation, vendor management, and strategic execution empowering teams to deliver faster, smarter, and with measurable impact.

Digital Project Delivery

Led multimillion-dollar programs, reduced timelines by 20%, boosted onboarding by 105%

95%

Agile & Scaled Agile Leadership

Certified Scrum Master & SAFe Practitioner; implemented agile frameworks across teams

90%

Mobile & e-Channel Banking

Spearheaded mobile app launches and eKYC platforms with measurable adoption gains.

85%

Risk & Vendor Management

Mitigated delivery risks, managed high-stakes vendor partnerships, ensured compliance

80%

M $

Project revenue generated

%

Increase in system capacity

+

Years of proven track record

Testimonials

Curious how I lead, deliver, and collaborate? My LinkedIn testimonials say it best.

I’ve had the privilege of working with Ray, and it’s clear why he’s so well respected by his team. Whether leading or contributing, Ray brings a collaborative spirit and unwavering support to every engagement. He consistently fosters trust and alignment, especially when the stakes are high. When faced with complex, time-sensitive tasks, Ray is the steady force who ensures delivery with precision and quality. His ability to navigate compliance requirements and tight timelines is unmatched; he’s the go-to person when things need to happen, and happen right

Sherry Kathryn Borja

First Vice President & Seasoned IT Leader

Ray is a tenacious and proactive project manager. He was keenly focused on details, including identifying potential risks and mitigation strategies to ensure projects remained on tract. His communication skills proved valuable when providing updates to stakeholders, especially when issues arose that required stakeholder intervention. He was able to bring team members from different groups together and lead discussions to ensure solutions were acceptable to all. While Ray was reporting to a head of project management who reported to me (as I was the CIO), I had complete visibility to his work ethics and dedication to seeing projects through. I highly recommend Ray ….

Rick Pusag

EVP & Chief Information Officer, East West Banking Corp

For years, Huawei device users have not been able to access Security Bank's services on their devices, until we were able to work with Ray and his team. His tremendous support is just what we needed to solve our customers' pain points. His leadership across many areas (governance, compliance, and risk mitigation) was essential to deliver a great product, at the right time, as needed by our customers. Thousands of SBC's clients can now conveniently bank using their Huawei devices. Thanks to Ray and his team!

Gino Avena

Ecosystem Development, App Partnerships - Huawei

I had the chance to work with Ray a few times, and even in those short engagements, his professionalism and leadership really stood out. He brings strong project management discipline, clear communication, and a results-driven mindset to every discussion He’s the kind of person who brings structure without making things complicated, and you can tell he genuinely cares about getting things done right. Even in short interactions, Ray’s professionalism and leadership really stand out.

Jonathan Bautista

Commercial Director APAC Region at BPC Banking Technologies

I had the privilege of working alongside Raycart on several strategic digital delivery programs, where his leadership and execution capabilities consistently set a high standard. Raycart brings a strong combination of strategic alignment, disciplined delivery management, and stakeholder engagement to every initiative. He excels at driving outcomes across cross-functional teams while maintaining rigorous focus on governance, compliance, and risk mitigation. His calm, structured approach in complex and high-stakes environments inspires confidence and delivers measurable business value. Raycart is an exceptional leader who elevates both teams and outcomes a true asset to any organization.

Joel Del Valle

Country General Manager | Lentra | Cloud Lending | Financial Services Industry

Ray is excellent in delivering results. He is able to engage with different stakeholders from technical staff to C level executives. He can translate organizational goals into deliverables that provide value to the bank. He is very personable, and detail oriented which strikes a good balance between tech and soft skills. We rely on him as he knows a lot about the division as he was there from the start. He knows the policies and how things work which is very useful in audits and continuous improvement initiatives. He is our guy when it comes to governance, compliance and risk mitigation. He has a good track record as Digital Delivery Lead, completing projects and initiatives that served as building blocks that enabled today's current state. He built and coached his team to make them churn results like clockwork and would be the standard to which other teams are measured.

Paolo Endaya

Entrepreneur | Senior Executive

I have had the pleasure of working with Raycart, a highly skilled and results-driven IT Project and Program Manager. His ability to lead complex initiatives from concept through delivery is truly impressive. With a strong command over project governance, compliance, risk mitigation, and delivery excellence, Raycart consistently ensures projects are executed with precision and strategic alignment. What truly sets Raycart apart is their exceptional leadership and ability to foster collaboration across cross-functional teams. He builds trust, drive accountability, and create an environment where teams thrive and deliver high-impact results. His proactive approach to identifying and mitigating risks, coupled with a solid understanding of business and technology integration, ensures smooth execution even in demanding and fast-paced environments. I confidently recommend Raycart for any senior leadership role. His expertise, professionalism, and dedication make them a tremendous asset to any organization focused on successful delivery and continuous improvement.

Abhishek Mhaske

Implementation Program Manager (VISA VAS Pimso)

I’ve worked with Ray in Security Bank, and I saw firsthand how he lead the team in successfully delivering the features needed despite implementing a new delivery model and with very tight deadlines. The team was new to Agile delivery and was the first team within the bank to use that model. The team was also expected to deliver weekly which is very challenging for banks. Despite these challenges, Ray was key in guiding the team in rolling this continuous delivery model. While working with him, Ray also demonstrated the following leadership skills while managing his team: 1. Strategic thinking 2. High emotional intelligence 3. Data-driven decision making and problem solving 4. Solid communication skills.