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Bhavana TBT
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Bhavana T

@bhavanat

I build and scale B2B payments, fraud prevention, and regulated enterprise platforms.

United States
Message

I've led B2B and B2B2C payments, fraud prevention, and regulated-product portfolios at Visa, Kaiser Permanente, Microsoft, and Accenture.

At Kaiser Permanente, I led consolidation of four conflict-of-interest compliance systems into a unified ServiceNow platform, saving $1.2M annually and reducing roughly four months of operational effort. I also designed risk-based disclosure workflows for a 200K+ employee workforce.

At Visa, I led public-sector commercial payments strategy across a $30B portfolio, restored invoice-match rates from 80% to 98% to preserve $2B in payment volume, and helped increase mobile virtual-payment adoption from 12% to 30%.

I've also grown fraud-prevention products, modernized APIs, automated operations, and launched sustainability MVPs. I'm an inventor with two issued payments patents and two trade secrets, and I organize Product Tank Seattle events.

Experience

Work history, roles, and key accomplishments

AP
Current

Principal Product Manager

Accenture / Kaiser Permanente

Jan 2024 - Present (2 years 8 months)

Led enterprise conflict-of-interest compliance transformation at Kaiser, defining a ServiceNow-based modernization strategy to replace fragmented legacy systems with standardized digital workflows, automation and AI-driven enhancements.

Education

Degrees, certifications, and relevant coursework

Visvesvaraya Technological University logoVU

Visvesvaraya Technological University

Bachelor of Engineering, Computer Science

Bachelor of Engineering in Computer Science from Visvesvaraya Technological University.

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