DAVID WILFORD is the General Counsel and Chief Compliance Officer at Wave Crest Group Limited overseeing the legal and compliance aspects of Wave Crest's business. David came to Wave Crest from FIS, the world's top-ranked technology provider to the banking industry, where he was division counsel for FIS' prepaid and e-payments business. Prior to FIS, David was in private practice at an international law firm. David is a former Board member of the Network Branded Prepaid Card Association.