Todd Schonhardt

Senior Software Engineering Manager, Payments @Zip Co

Lead engineering for core payments infrastructure across authorization, settlement, and full transaction lifecycle management, directly impacting revenue performance, margin, and customer trust.• Led the modernization of the payments orchestration strategy, stabilizing core transaction flows and building the architectural foundation required for sustainable scale and improved unit economics.• Partner closely with Product, Finance, Risk, and executive leadership to align payments strategy with business growth, cost optimization, and long-term platform resiliency.• Restructured and realigned the organization to raise the bar on ownership, technical rigor, and forward-thinking leadership within the payments domain.• Introduced AI-driven development practices to modernize the SDLC, improve operational efficiency, and create space for engineers to rethink process, automation, and delivery velocity.• Strengthened operational maturity through improved observability, resiliency standards, and incident response practices in a revenue-critical and compliance-driven environment.