John Williams, Former Head of Breakthrough programme – a new and unique development programme for fast-growth SMEs, delivered by Santander UK. Currently based in London, John has spent twenty five years in international business, and has owned and run SME businesses for much of his career. In addition, he has been an Export Promoter for the UK Government, a UKTI Director, CEO of an inward investment agency, and has worked in the UK, Europe, Middle East and Far East in trade, consultancy, higher education and economic development. His special interests include disruptive innovation, leadership development and international partnerships. John joined Santander UK in March 2012 specifically to run the Breakthrough programme, in the firm belief that the programme is the first true innovation in business banking in a generation.