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RAY LAI, a senior architect at Sun Microsystems, specializes in financial services and Web Services solutions, including Web Services management and implementation best practices. He has developed and architected enterprise applications for leading multinational companies including HSBC, Visa, American Express, UBS, Daiwa Securities, DHL and Cathay Pacific Airway around the globe. Prior to joining Sun, he managed an $80M global B2B exchange project at Standard Chartered Bank.