Ray is an assistant manager at a bank. He has been taking money out of the cashiers drawers for a number of months to support his gambling habit. He had at first been resistant, but the bookies he owed money to suggested that he take money from the bank. Ar first, he would simply take cash from the drawers after the tellers had counted the money. As he fell further into debt, he also started writing checks on the bank account and would sign the bank managers name on the checks. One night after the tellers had gone home, he took the managers spare key. In the morning, before the bank opened, he used the key to enter the bank and take some money from the safe. It was bank policy that no manager was to enter the bank unless he or she was accompanied by at least one other employee. Before long his debt increased and one of the bookies told ray that if he did not come up with 10,000 dollars by the end of the day, the bookie would tell the bank president that ray had been stealing. Ray told the bookie he was not sure if he could take that much without he bank discovering it, The bookie suggested that ray access customer credit card information, make cash transfers to his personal bank account and then withdraw the money from his account. Ray did so. Using these facts what crimes should be charged?