Ray Moncrief is immediate past ACC Board Chair.  He has held various positions at an Appalachian-based CDFI, Kentucky Highlands Investment Corporation since 1984, most recently as Executive Vice President. Mr. Moncrief’s particular areas of expertise are new and early-stage venture development, cash management, fundraising, and contract negotiations.  He is a policy expert in conservation and environmental activities, especially in coal-impacted communities. He received a bachelor’s degree in accounting from Louisiana Tech University, and completed graduate studies at Lamar University.