About Bill

Ricky’s background spans law, tax, finance and software development. He is an attorney and Tax Accounting Officer with the South African Institute of Taxation. He is also a former Deal Captain at Geddes Capital and a self-taught software developer.

At Geddes, he saw viable small businesses struggle to access finance without reliable financial records. That experience helped shape Bill. Today, he does the accounting and tax work for Bill’s Back office clients and, together with Oliver, designs and builds the product around the work they do for clients.

He holds a BCom in Actuarial Science from Stellenbosch University, an LLB from UCT, a postgraduate diploma in Tax Law from Stellenbosch completed cum laude, and a Graduate Diploma in Economics from Birkbeck, University of London, completed with distinction.

Oliver began his career in web development at B Online before moving to the UK, where he worked as a Junior Programmer and then Game Programmer at Mojiworks. He later joined education technology company KidsLoop as a backend developer, progressing to Senior Software Engineer.

In 2022, he joined Monzo Bank in London as a Software Engineer. He went on to become a Senior Software Engineer and Tech Lead of its Transfers Squad, responsible for bank transfers, cash and cheque deposits, and scheduled payments.

At Bill, Oliver leads engineering, working with Ricky to design and build the product, its integrations and AI capabilities. He graduated cum laude from UCT in Computer Science and Games Development, with distinctions in every course.