Zavida Mangaru has 20 years of experience in payment and financial services. As Head of Product for Total Merchant Services, she focuses on creating competitive payment solutions for small-to-medium-sized businesses (SMBs). Zavida has been instrumental in upgrading the company’s Groovv product suite, enabling Total Merchant Services to provide secure payment, marketing and business management solutions for the modern marketplace. Prior to joining Total Merchant Services, Zavida was the VP of Mobile Convergence and Digitization at MasterCard, where she developed the strategy, product and platform design for MasterCard’s digital wallet solutions. She previously served as MasterCard’s VP of Global e-Commerce and Mobile Product Development as well as Director of B2B Product Management and Business Development. Before MasterCard, Zavida worked at American Express in a number of capacities, including new product development, global re-engineering and product management. Zavida’s interest in the convergence of technology and payments has guided her work for many years. She enjoys developing insights on the future of the payment industry and is always researching ways to improve the payment experience for both merchants and consumers.