Jonathan Williams is an independent advisor and subject matter expert in payments, identity and fraud prevention. Jonathan brings his experience in cybersecurity, telecommunications and software to his areas of special interest: open banking, identity assurance, financial crime and ACH fraud. Jonathan is co-author of the BSI code of practice for digital identification and strong customer authentication (PAS499). Jonathan joined Mk2 from a role as head of Strategy and Product for Payments at Experian. Prior to this he was responsible for the product propositions which took two start-ups to IPO: Content Technologies and Virata Corporation. He has also held engineering and IT roles at British Aerospace (now BAE Systems), the University of Cambridge and Advanced Telecommunications Modules Ltd Jonathan speaks at many conferences worldwide and has recently addressed audiences at EuroFinance, NextGen Banking, the Association of Corporate Treasurers and the Federal Reserve’s conference on payments. He also writes for trade journals including Treasury Management International, The Treasurer, Financial World and Finance Director Europe. Jonathan holds an MA in Theoretical Physics and a postgraduate qualification in Computer Science from the University of Cambridge, and was a member of the Payment Strategy Forum's working group on Financial Crime, Data and Security.