David Williams

David Williams is an experienced professional currently serving as Managing Director and Head of Liquidity Product Management at HSBC Innovation Banking since March 2023. With a rich background in financial services, David founded XPD Capital in January 2016, providing advisory services in areas such as innovation, product management, and asset/liability management. Additionally, David has held advisory and consultancy roles at Guidepoint, OutSystems, and Moneta Development, and previously served as Director of EMEA Liquidity Product Management at Silicon Valley Bank. David's expertise spans across several leading institutions, including Lloyds Banking Group and HSBC, where contributions have focused on product governance, risk management, and commercialisation strategies. David holds a BSc in Mathematics from Lancaster University and various certifications in cash management and leadership.