RYAN ZERNACH

Senior AI Systems Engineer

Ryan_Zernach_2025_Senior_AI_Systems_Engineer_Remote_United_States

💳 Cost Plus Processing

Payments Systems Intern (Card Processing) Cost Plus Processing • Sept 2012 - Jan 2013

💳 Cost Plus Processing

Summary

Focused on merchant processing systems and payment gateways, while analyzing end-to-end card transaction lifecycles across payment networks with interchange and risk considerations.

Team

Tech Stack

Timeline

Contributions

Learning the Card Payment Stack

This role built an early systems-level understanding of how electronic card payments move between merchants, gateways, processors, and networks.

Transaction Lifecycles

How a payment moves from initiation to financial outcome

Merchant Systems + Gateways

Understanding how payment data flows through operational systems

Core Knowledge Built

Foundational payments concepts that stayed useful