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Bernardo Lustosa, Ph.D.

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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Luxury Industry Statistics and Insights in 2020

Luxury Industry Statistics and Insights in 2020

There’s no sugarcoating the fact that the luxury industry has been hit hard by the spread of COVID-19. When we emerge from this global health crisis, the world and the luxury..

Global Markets Watch: The 10 Hottest E-Commerce Countries in 2020

Global Markets Watch: The 10 Hottest E-Commerce Countries in 2020

Cross-border e-commerce continues to grow at exponential rates and shows no signs of cooling off anytime soon. With global online sales expected to reach a mind-blowing $4..

How Machine Learning Can Improve Fraud Risk Assessment

How Machine Learning Can Improve Fraud Risk Assessment

When you’re trying to prevent fraud from happening, you might be tempted to set up a basic fraud prevention solution and let it go, assuming it will catch each instance of..

Mobile payments can help during the pandemic, if they keep fraudsters out

Mobile payments can help during the pandemic, if they keep fraudsters out

Mobile payments have been gaining popularity, especially among younger consumers, with a 41% jump in volume from 2018 to 2019. Now there are urgent reasons for more consumers..

The True Cost of E-Commerce Fraud

The True Cost of E-Commerce Fraud

Despite e-commerce merchants’ best efforts, fraud is on the rise. Javelin Strategy & Research reports the number of identity fraud victims increased by 8% in 2018, affecting a..

Economic risk and staff churn threaten security outsourcing

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..

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

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..

Facebook should treat fake news like fraud

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..

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

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?..

What Motivates Your Employees? The Answer Might Surprise You.

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..

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

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..

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

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.

Why do fraud levels vary by country?

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..

How merchants can beat fraudsters at the communication game

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..

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

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

Predictive analytics is the first step to reducing fraud

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

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..

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

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

You shouldn't be. Here are five reasons why:

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