Tom Wills is an expert in identity, security, fraud, and compliance for financial services and other critical infrastructure industries. Three decades of global experience as a product developer, security and fraud executive, startup entrepreneur, and industry analyst have given him unique insights into what works and what doesn’t when it comes to building a trusted brand across electronic and physical delivery channels. Wills has helped global companies including Visa, VeriFone, Intuit, Wells Fargo Bank and Bank of America – as well as multiple startups – to navigate and balance the opposing forces of security and compliance with speed, usability, and cost-revenue optimization in their products. He is an advisory board member for Bankinfosecurity.com and a regular industry speaker and media commentator, appearing at such recent events as RSA Security, CTIA Wireless, Cards & Payments Asia, and Mobile Payments & NFC World Summit. He holds a BA degree in International Relations from San Francisco State University as well as CFE and CISSP certifications. A resident of Singapore, Wills has also lived and worked in the US, UK, UAE as well as Dominican Republic.