Ralph has been a private pilot for over 20 years, owning his own aircraft and flying for business and leisure.  Ralph is the Founder and Chairman of the Board of Allied Payment Network, a bill payment processing company, founded in 2006.  He has over 25 years in the banking industry, previously serving as the Chief Information Officer of STAR Financial Bank.  Ralph holds a Bachelor’s of Science degree in Finance from Indiana University, as well as a Master’s of Science in Management from Indiana Wesleyan University.