CHASE M. DAVIS
Florence
Summary
Results-oriented Product Analyst specializing in credit card processing and interchange analysis at RaceTrac. Demonstrated success in improving transaction accuracy and profitability, realizing an 85% decrease in fraud-related losses. Proficient in financial modeling and providing actionable insights, promoting cross-team collaboration to enhance operational performance.
Overview
24
24
years of professional experience
1
1
Certification
Work History
Product Analyst (Payments & Transactions)
RaceTrac
Atlanta
02.2021 - Current
- Analyze high-volume credit card and ATM transaction data to identify anomalies, discrepancies, and unusual patterns impacting settlement accuracy and profitability
- Review and reconcile transaction exceptions, processor variances, and vendor payment discrepancies to ensure accurate payouts and fee assessments.
- Partner with Finance and Operations to validate effective rates, transaction fees, and margin integrity across payment systems.
- Identify trends in interchange categories and transaction behavior, escalating potential revenue leakage, and control gaps.
- Maintain audit-ready documentation aligned with internal controls and regulatory standards.
- Deliver clear, data-driven insights to leadership to support risk mitigation, and operational optimization.
Co-Owner / Operations Manager & Payments Consultant
JU-C Bar
11.2018 - 09.2020
- Led implementation of TOAST POS payment system, improving transaction transparency and reducing fraud-related losses by 85%
- Analyzed merchant processing statements, effective rates, and transaction fees to identify pricing inefficiencies
- Managed settlements, deposits, chargebacks, and processor relationships to ensure accurate revenue capture
- Evaluated pricing structures and operational workflows to reduce leakage and improve net margins
Project Manager / Analyst (Payments & Disputes)
Fidelity Bank
Atlanta
05.2012 - 11.2018
- Led implementation of Centrix automated dispute processing platform, improving dispute lifecycle efficiency and reducing fraud losses by 45%
- Reviewed and reconciled card transaction disputes, interchange fees, and processing variances
- Supported residual tracking and operational reporting tied to dispute resolution and financial exposure
- Conducted root-cause analysis on payment discrepancies and customer escalations
- Trained 30+ retail and back-office staff on dispute workflows, compliance standards, and system usage
Operations & Database Manager
U.S. Navy
11.2001 - 02.2009
- Monitored and analyzed real-time operational data and alerts to detect anomalies and risk indicators
- Synthesized multi-source data into structured reports for senior leadership decision-making
- Maintained data integrity and documentation under high-pressure, high-volume environments
Education
Bachelor of Science -
The Art Institute of California
Skills
- Credit card processing
- Interchange analysis
- Residual reconciliation
- Reporting and analytics
- Merchant pricing models
- Revenue leakage identification
- Effective rate analysis
- Margin analysis
- Return on investment (ROI)
- Financial modeling
- Processor and ISO relationships
- Advanced Excel skills
- Power BI proficiency
- Executive and leadership reporting
Certification
- SAFe 6 Product Owner
- SAFe 6 Product Manager
Timeline
Product Analyst (Payments & Transactions)
RaceTrac
02.2021 - Current
Co-Owner / Operations Manager & Payments Consultant
JU-C Bar
11.2018 - 09.2020
Project Manager / Analyst (Payments & Disputes)
Fidelity Bank
05.2012 - 11.2018
Operations & Database Manager
U.S. Navy
11.2001 - 02.2009
Bachelor of Science -
The Art Institute of California