Tom Wills

Tom Wills

Director at Ontrack Advisory

Startupbootcamp FinTech Singapore Mentor

Tom is a senior advisor on payment systems, identity, security, fraud, risk, compliance, and platform-based business models. Hybrid business and technical background.  30+ years global FinTech experience working for Visa, VeriFone and CommerceNet—and in executive advisory roles for Wells Fargo Bank, Unionbank of the Philippines, Intuit, Richemont, Javelin Strategy & Research, payment networks Singapore, India, Philippines, Bangladesh and the Dominican Republic, and multiple startups in the digital identity and security space.
Tom’s career highlights include pioneering contributions in FinTech and e-commerce such as: at Visa, working as one of the world’s first payment fraud data analysts; leading the first market entry plan for the “card-not-present” payment (e-commerce) and home bill payment sectors, building some of Visa’s core transaction security and fraud services (CVV, AVS, RIS, TMF), and a ground-up rewrite of the Visa operating regulations; at Verifone, CommerceNet and Globe ID: developing and taking to market some of the world’s first digital wallets, online merchant payment software, and acquirer payment gateways. Tom has also worked as a CISO for CrossCheck and Intuit subsidiary PayCycle.
A resident of Singapore, Tom is a frequent media commentator and speaker at industry conferences on secure transactions and digital identity. He holds both CFE and CISSP certifications.