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Bernardo Lustosa, Ph.D.

Bernardo drew on his background in statistics and his love of problem-solving to create an industry-changing fraud management process based on statistics, IT, and human capital. Since Bernardo joined ClearSale in 2004, the company has grown from a small start-up to the dominant CNP fraud-management provider in one of the world’s largest economies. Bernardo’s passion for data-driven problem-solving drives his work as ClearSale’s Chief Operations Officer and his other professional contributions. The Endeavor Global organization in New York named Bernardo, a high-impact international entrepreneur in 2011. Bernardo also holds a position as Invited Teacher on FIA Business School for MBA in Fraud Prevention. Bernardo holds degrees from three of Brazil’s top 10 universities: a Ph.D. in Business Management from FGV-SP (Fundacao Getulio Vargas), a Master of Economics degree from UCB-DF (University of Brasília), and a degree in statistics from UNICAMP.

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Innovation: To have nice flowers, it's not enough to choose the best seeds
Jul 14, 2021

By Bernardo Lustosa, Ph.D.

Innovation: To have nice flowers, it's not enough to choose the best seeds

Unlike what many believe, innovation is not something one can control from start to finish--in fact, when a step towards innovation is taken, the results are usually beyond what..
businessleaders, Innovation
Economic risk and staff churn threaten security outsourcing
Aug 13, 2018

By Bernardo Lustosa, Ph.D.

Economic risk and staff churn threaten security outsourcing

From ClearSale analytics team to PaymentsSource: Just as logistics and marketing are complex enough to require professional help, fraud is now so pervasive and customer..
featured, Fraud Management, outsourcing, ClearSale in the Media
As machine learning evolves, we need to update the definition of ‘data scientist’
May 29, 2018

By Bernardo Lustosa, Ph.D.

As machine learning evolves, we need to update the definition of ‘data scientist’

In the early days of machine learning, hiring good statisticians was the key challenge for AI projects. Now, machine learning has evolved from its early focus on statistics to..
featured, ClearSale in the Media, General Business Strategies
Facebook should treat fake news like fraud
Mar 18, 2018

By Bernardo Lustosa, Ph.D.

Facebook should treat fake news like fraud

Facebook’s decisions earlier this month to combat fake news by reducing the amount of news-outlet posts users see and relying on users to validate media sources have been hot..

featured, social media, fraud policy, venture beat, ClearSale in the Media, Ecommerce Strategies
Apple’s iOS update frequency has increased 51% under Cook’s management
Mar 5, 2018

By Bernardo Lustosa, Ph.D.

Apple’s iOS update frequency has increased 51% under Cook’s management

Since Steve Jobs left Apple's leadership in January of 2011, the frequency of iOS updates has increased by 51%. What does that mean for Apple users? Is it Missing Jobs? Bernardo..
featured, ClearSale in the Media, General Business Strategies
What Motivates Your Employees? The Answer Might Surprise You.
Jun 26, 2017

By Bernardo Lustosa, Ph.D.

What Motivates Your Employees? The Answer Might Surprise You.

Imagine you have a few free weekend hours and must choose between two chores: Do your monthly grocery shopping tip or plan your summer vacation.

If you don't go grocery shopping,..
Entrepreneurship, General Business Strategies

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Silicon Valley Events Show Why Fintechs Aren't What You Think
Jun 1, 2017

By Bernardo Lustosa, Ph.D.

Silicon Valley Events Show Why Fintechs Aren't What You Think

By Bernardo Lustosa, ClearSale, for Endeavor

The fintech innovation in Silicon Valley is a little different from the stereotype of 20-year-old boys in garages with revolutionary..

Entrepreneurship, Fraud Management, ClearSale in the Media
Rhetoric and Reason: Together, They Excel. But Separate? Beware!
May 11, 2017

By Bernardo Lustosa, Ph.D.

Rhetoric and Reason: Together, They Excel. But Separate? Beware!

You take a big risk as a leader when you make decisions based on rhetoric instead of reason.
Entrepreneurship, General Business Strategies
Why do fraud levels vary by country?
Oct 13, 2016

By Bernardo Lustosa, Ph.D.

Why do fraud levels vary by country?

Why is ecommerce fraud more prevalent in some countries than in others? Ecommerce merchants, law enforcement agents, and fraud protection providers wrestle with this question as..
Fraud Management, ClearSale in the Media
How merchants can beat fraudsters at the communication game
Sep 28, 2016

By Bernardo Lustosa, Ph.D.

How merchants can beat fraudsters at the communication game

E-commerce fraud perpetrators know sharing information with fellow criminals makes it easier for all of them to commit fraud. Just as a band of street thieves works together to..
Fraud Management, ClearSale in the Media
Learn the best way to stop fraud with Bernardo Lustosa, our COO
Aug 24, 2016

By Bernardo Lustosa, Ph.D.

Learn the best way to stop fraud with Bernardo Lustosa, our COO

Predictive analytics is the first step to reducing fraud
Fraud Management, ClearSale in the Media
Nova call to action
Clearsale at Payments Source: Brazil Is a Trove of EMV Era Security Lessons
Jun 14, 2016

By Bernardo Lustosa, Ph.D.

Clearsale at Payments Source: Brazil Is a Trove of EMV Era Security Lessons

The US e-commerce market faces a fresh set of challenges. More retailers are completing the switch to EMV point of sale terminals so fraudsters are increasingly turning to CNP..
Country Profiles, ClearSale in the Media
5 reasons your business should be connected to a fraud prevention network
Feb 11, 2016

By Bernardo Lustosa, Ph.D.

5 reasons your business should be connected to a fraud prevention network

You shouldn't be. Here are five reasons why:
Fraud Prevention, Fraud Management
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