Founder and Chief Executive Officer of XTransfer. He has over 18 years of experience in the global payments business. Before founding XTransfer in 2017, Bill had spent over 10 years in managerial roles at global card issuer Visa and China’s fintech giant, Ant Group. Expert in export business in China, SME exporters' needs for global financial services and their pain points. Bill has in-depth knowledge of innovative fintech services in various markets. He has designed cross-border B2B payment solutions for global SME importers and exporters, including payments and fund collection, remittance, FX conversion, AI anti-money laundering and related risk management.