7. New York, N.Y. | Total score: 68.87 | Accessibility and convenience rank: 5 | Safety and reliability rank: 22 | Public transit resources rank: 97 (Credit: TTstudio/Shutterstock) Ray Dorado is the latest in a series of appointments by DFS Superintendent Linda Lacewell from the private sector to lead the agency's work since her confirmation in July. (Credit: TTstudio/Shutterstock)

Ray Dorado, a longtime attorney in New York's banking industry, has joined the state Department of Financial Services as a top official in its Banking Division, where he'll oversee financial institutions and be instrumental in recommending regulatory and legislative change — including those that impact insurers and emerging industries such as legal cannabis.

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