Bill is founder, Chairman and CEO of De Novo Corporation, an integrated management and advertising consultancy with offices in the United States, Canada and the United Kingdom. De Novo Corporation is the parent to Creative Solutions, Convergence Group, Stratcom, Owen Holleway, iLabyrinth and De Novo UK. The firms provide a wide range of services to Fortune 500 companies with a strong practice in payments systems, financial services and pharmaceuticals. Engagements have included co-brand credit card startups, virtual bank conduits, interim management, portfolio acquisitions, turnaround of the world's largest direct-to-consumer insurance company providing low end annuities, and strategic and operations planning. Bill has over 20 years of experience in banking, payment systems, general advertising, direct mail, and interactive media.