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David Williams is a Managing Director at HSBC Innovation Banking, currently serving as the Head of Liquidity Product Management. David is also the Founder of XPD Capital, which advises on various services such as commercialization, innovation, and product life cycle. Additionally, David holds positions as an Advisor at Guidepoint, a Partner at OutSystems, and a Consultant at Moneta Development. David has a background in product management and has previously worked at Silicon Valley Bank and Lloyds Banking Group. David holds a BSc in Mathematics from Lancaster University and certifications in International Cash Management and Leadership in Management.