Bill is a professional banker, a payments and risk specialist for over 25 years. He headed-up risk functions and special investigations in Lloyds Bank issuing and acquiring, following with acquiring and processing at First Data, and then insurance risks at RBS/Direct Line. He set-up, ran, grew and sold an outsource business that identified and managed liars in people's insurance and lost-card claims using teams trained in advanced forensic psychology.
For the last 12 years, he has been diving into many other businesses: largely advising merchants, acquirers and others in the payment chain to help reduce risks and costs, to improve business and to make significant organisational change. The catalyst for change will often come from losses, from regulators or from a card-scheme challenge. He is a mentor for innovative payments start-ups and sits on working parties and panels for the UK regulators. He works across the EU, but often much further afield. Furthermore, Bill has degrees in Mechanical Engineering and in Banking, and is a member of the high IQ society.