Prompted by the desire to offer fast, high-quality service to merchants, Mr. Cohn co-founded MerchantSystems.com in 1992.

With 25 years of sales and management experience, he successfully recruited and trained national sales reps producing several million in revenues. Mr. Cohn also established key relationships with 10 major banks resulting in sales that have consistently ranked the company as #1 among industry-related independent sales organizations.

In 1998, Mr. Cohn assumed the position of Chief Operating Officer.
In 1995, Mr. Cohn co-founded IntelliPAY and sat on its Board until the company was sold. Prior to working in the transaction processing industry, Mr. Cohn owned and operated 3 restaurants in the Bay Area.
In 1997, Mr. Cohn had the honor of speaking at the Governor’s Conference on Business in Salt Lake City, Utah. He was listed in the Who’s Who in the Northwest in 1997.

Mr. Cohn earned a Bachelor of Arts Degree in English and Education from New England College in 1977. His written works are published in several literary magazines, including the final issue of Britain’s Littack Magazine, now treasured by collectors.

In 1992, Mr. Rosenbaum combined his 18 years of sales and marketing expertise with 3 years of credit and financial management to co-found MerchantSystems.com. He held the position of VP of Sales until 1994 when he assumed the role of the Chairman and CEO.

Mr. Rosenbaum has successfully expanded the company from a start-up operation using only $1,000 capital to a firm employing over 50 employees. His business development and strategic alliance strategies produced $15,600,000 in sales in 1999, earning it a spot in the transaction processing industry's top tier of new account acquiring independent sales organizations.

Mr. Rosenbaum studied economics, mathematics and history at Temple University and Stockton State University.

Matt Nern joined the USMS team in October 2006, as SVP, Sales and Marketing.

Matt brings with him over 13 years of sales, management, training and consulting experience. He most recently spent the past few years as VP of Sales overseeing an industry leading payment processing company’s Los Angeles Operations.

Mr. Nern’s enthusiasm for success is infectious. He has authored numerous business plans and thoroughly enjoys helping others make money.

Mr. Nern studied Economics at Sonoma State University and is sales certified in a number of areas.

In his spare time, he enjoys climbing mountains and spending time with his family.

Mr. Gardiner joined U.S. Merchant Systems as Chief Financial Officer in 2000.

Mr. Gardiner was the CEO and a Director of Burlingame Bank & Trust where he led the bank through its critical start-up period resulting in growth and profitability far above the industry norm.

Mr. Gardiner also served as Managing Director of Capitol Bay Securities where he supervised investment banking, including underwriting and financial analysis.

His duties at U.S. Merchant Systems include Finance and Accounting.

Mr. Gardiner has a B.S. from the University of California and a MBA from the University of Santa Clara.

Mr. Fenn joined U.S. Merchant Systems in 1992. His principal responsibilities include technology integration as well as oversight of all management information systems.

He and his team are responsible for the IT, ERP, CRM implementation and development.

Mr. Fenn has a B.S. in Biochemistry from Pacific Union College and attended law school at Peninsula University.

Ted Lasch came on board in March of 2007, as Vice President, Sales/Business Development.

With more than 13 years of sales, management, and recruiting experience, Mr. Lasch is well equipped to take on the responsibilities of recruiting new Agents and managing Agent sales for USMS.

Prior to joining USMS, he spent the past two years at Alpha Card Services as National Sales Manager.

Before that he was VP of Business Development for an industry leading payment processing company, and prior to that held an Assistant VP position at Wells Fargo Bank.

Ted studied Business Management at Sonoma State University where he also excelled on the football field.

In his spare time, he enjoys travel, music and is an avid sports enthusiast.