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Bruno Farinelli

Fraud Analytics and Management expert, Bruno is really passionate about 2 things: fighting fraud and developing people. He joined ClearSale Brazil (one of the fastest SME growing companies in Brazil) in 2012, after previous experience with biometrics and browsing behavior. He quickly became a key participant in one of the most successful cases the company has, by using his extensive knowledge in anti-fraud practices to increase our client's revenue while drastically reducing their chargeback levels. In 2015, Bruno was invited to build the Fraud Analytics department for ClearSale in USA, using all of his previous experiences in Brazil (one of the riskiest markets in the world) to help US merchants. Bruno holds a Bachelor's degree in Statistics from one of the Best Brazilian Universities (UNICAMP - Universidade Estatual de Campinas) and an MBA in Business Intelligence from one of the most well-known Technology Institute in Latin America (FIAP - Faculdade de Informática e Administração Paulista).

Shopify’s Approach to High-Risk Orders and Chargebacks
May 25, 2023

By Bruno Farinelli

Shopify’s Approach to High-Risk Orders and Chargebacks

Shopify is undeniably the gorilla in the ecommerce platform room. And for good reason. With platform sales now exceeding $197 billion, Shopify accounts for 10% of the global..

Chargebacks, Fraud Management, ecommerce platform, Ecommerce Strategies
Beyond Just Technology: Building an Anti-Fraud “Ecosystem”
May 10, 2023

By Bruno Farinelli

Beyond Just Technology: Building an Anti-Fraud “Ecosystem”

Every year, despite the availability of advanced fraud prevention technology solutions, fraud rates continue to climb. Last year, North American businesses doubled..

Fraud Management, ClearSale in the Media, General Business Strategies
Ecommerce Retailers Need to Address Shoppers’ Rising Security Concerns
May 4, 2023

By Bruno Farinelli

Ecommerce Retailers Need to Address Shoppers’ Rising Security Concerns

Online retailers and brands face a challenging environment as inflation makes shoppers more price-sensitive and increasingly willing to switch brands. E-commerce growth has also..

Fraud Management, ClearSale in the Media, False Declines/CX
Cyber Risk Quantification: A New Way to Understand Security Risks
Apr 3, 2023

By Bruno Farinelli

Cyber Risk Quantification: A New Way to Understand Security Risks

Digital fraud and cybersecurity risks are always with us, and they’re constantly changing as businesses open new channels and adopt new technologies that criminals work to..
Chargebacks, Fraud Management, ClearSale in the Media
Manage Returns for Fraud Control, Sustainability, and the Bottom Line
Mar 30, 2023

By Bruno Farinelli

Manage Returns for Fraud Control, Sustainability, and the Bottom Line

Returns are expensive, vulnerable to a variety of fraud schemes, and often bad for the environment. They’re also a necessity for companies that want to keep customers happy. That..
Fraud Management, ClearSale in the Media, Ecommerce Strategies
North American Ecommerce: What You Need to Know
Mar 14, 2023

By Bruno Farinelli

North American Ecommerce: What You Need to Know

Ecommerce in North America presents both an opportunity and a challenge for businesses. Consumers in North America are tech-savvy and fervent online shoppers, but they’re also..
Fraud Management, Country Profiles, Ecommerce Strategies

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Understanding the New Visa Friendly Fraud Rule
Mar 10, 2023

By Bruno Farinelli

Understanding the New Visa Friendly Fraud Rule

Beginning in April 2023, Visa will provide online businesses a new friendly fraud rule, aimed at helping these businesses dispute chargebacks related to friendly fraud. This..
Ecommerce Strategies
Inside Ecommerce: Guide to AVS Mismatch
Mar 7, 2023

By Bruno Farinelli

Inside Ecommerce: Guide to AVS Mismatch

The idea behind the Address Verification System (AVS) is fairly simple: If the billing address entered by the shopper doesn’t match the billing address the bank has on file, it..
Fraud Management, fraud detection, fraud analytics, AVS mismatch, Ecommerce Strategies
8 Ways to Leverage Big Data for Ecommerce
Feb 14, 2023

By Bruno Farinelli

8 Ways to Leverage Big Data for Ecommerce

Whether you use Audible’s personalized suggestions to find your next summer “must-read” or Amazon to remind you to reorder laundry detergent just as you run low, Big Data and..
Fraud Management, Ecommerce Strategies
D2C Can Help Brands Build Stronger Customer Connections Through Data
Jan 26, 2023

By Bruno Farinelli

D2C Can Help Brands Build Stronger Customer Connections Through Data

Third-party cookies that track consumer behavior are going away—eventually. Apple already gave its users the option to limit cookies, but Google has moved its deadline for ..

ClearSale in the Media, False Declines/CX, Ecommerce Strategies
Data Can Help Prevent Policy Abuse and Protect Customer Experience
Jan 17, 2023

By Bruno Farinelli

Data Can Help Prevent Policy Abuse and Protect Customer Experience

Returns, refunds, and promotions are all integral parts of eCommerce, and customers expect these experiences to be convenient and quick. However, fraudsters increasingly use..
Fraud Management, ClearSale in the Media, False Declines/CX, Ecommerce Strategies
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Monitoring Social Media for Fraud
Dec 12, 2022

By Bruno Farinelli

Monitoring Social Media for Fraud

Social media connects brands and businesses to their target audiences, driving greater awareness, revenue and loyalty. Among social media users, 86% follow brands and 57% are more..
Fraud Management, ClearSale in the Media
How Post-Pandemic Shopping Habits Affect Black Friday and Cyber Monday
Oct 27, 2022

By Bruno Farinelli

How Post-Pandemic Shopping Habits Affect Black Friday and Cyber Monday

Big discounts have always been the appeal for Black Friday and Cyber Monday shoppers, but that trend seems to be losing momentum, so retailers need a new game plan. Winter holiday..

ClearSale in the Media, Ecommerce Strategies
Security Awareness Training Must Evolve to Align With Growing E-Commerce Security Threats
Sep 27, 2022

By Bruno Farinelli

Security Awareness Training Must Evolve to Align With Growing E-Commerce Security Threats

Digital transformation has accelerated during the past couple years, and so, too, have security threats. With more employees working remotely, more customers buying through mobile..
Fraud Management, ClearSale in the Media, General Business Strategies
How Do Banks Investigate Unauthorized Transactions?
Sep 23, 2022

By Bruno Farinelli

How Do Banks Investigate Unauthorized Transactions?

A customer finds out they have an unauthorized transaction on their credit card.

Their first reaction: Shock. 😯

Most consumers know fraud happens, but no one thinks they’ll be..
Payments, Fraud Management, General Business Strategies, False Declines/CX
Best Practices for Mitigating Evolving Ecommerce Fraud Risks
Sep 8, 2022

By Bruno Farinelli

Best Practices for Mitigating Evolving Ecommerce Fraud Risks

Fraud tactics are always evolving, which means retailers must always be aware of the new threats they may face. Today, the prevalence of stolen consumer data, fraud tutorials..
Fraud Management, ClearSale in the Media
How Can Your Business Defend Itself Against Fraud-as-a-Service?
Jun 3, 2022

By Bruno Farinelli

How Can Your Business Defend Itself Against Fraud-as-a-Service?

The pandemic pivot to digital banking, shopping, and other services was an important health measure, but it created opportunities for organized fraudsters to grow their "business"..
Fraud Management, ClearSale in the Media
Using Customer Data To Help Prevent False Declines
Mar 8, 2022

By Bruno Farinelli

Using Customer Data To Help Prevent False Declines

As more commerce moves online, customers expect merchants to recognize them. McKinsey found that in November, 71 percent of customers expect personalized interactions with..

Fraud Management, ClearSale in the Media, False Declines/CX
Account Takeover Fraud: All That Ecommerce Merchants Must Know
Feb 24, 2022

By Bruno Farinelli

Account Takeover Fraud: All That Ecommerce Merchants Must Know

With chip technology making in-person credit card transactions more secure, scheming fraudsters are looking for new ways to defraud unsuspecting consumers and maximize their..
Fraud Prevention, Fraud Management, merchant identity fraud, account takeover, Ecommerce
As Synthetic Identity Fraud Grows, Children’s Data is Increasingly at Risk
Jan 11, 2022

By Bruno Farinelli

As Synthetic Identity Fraud Grows, Children’s Data is Increasingly at Risk

Synthetic identity fraud and identity fraud in general were the costliest kinds of fraud that U.S. ecommerce merchants suffered during 2021, as the incidence and total cost of..
Fraud Management, ClearSale in the Media
3 Evolving Fraud Trends Ecommerce Businesses Need to Know
Dec 21, 2021

By Bruno Farinelli

3 Evolving Fraud Trends Ecommerce Businesses Need to Know

As the world spends more time shopping online, fraudsters spend more time targeting eCommerce merchants. A recent FIS/Worldpay risk mitigation survey found that more than half of..
Chargebacks, Fraud Management, ClearSale in the Media, False Declines/CX
Unified Data is the Key to Consistent Omnichannel Customer Experiences
Nov 17, 2021

By Bruno Farinelli

Unified Data is the Key to Consistent Omnichannel Customer Experiences

Data unification is a hot topic for merchants. Even before the pandemic caused a rise in online shopping and omnichannel experiences like curbside pickup, 82% of brands surveyed..
ClearSale in the Media, Ecommerce Strategies
Do Fraud Prevention Deny Lists Cause More Problems Than They Solve?
May 5, 2021

By Bruno Farinelli

Do Fraud Prevention Deny Lists Cause More Problems Than They Solve?

Think deny lists are the best way to prevent ecommerce fraud?

If so, you’re definitely not alone. deny lists are a popular “hands-off” way for ecommerce merchants to try to..

Fraud Management
Mobile Application and Microtransaction Fraud: What It Is, How to Prevent It
Apr 6, 2021

By Bruno Farinelli

Mobile Application and Microtransaction Fraud: What It Is, How to Prevent It

The exponential growth in digital commerce has made it easier and more convenient than ever for consumers to engage with brands.

One way they’re doing this is through mobile..
Chargebacks, False Declines, Fraud Management, False Declines/CX, Ecommerce Strategies
Which Fraud Case Management Solution Is Best for Your Ecommerce Business?
Apr 5, 2021

By Bruno Farinelli

Which Fraud Case Management Solution Is Best for Your Ecommerce Business?

When it comes to solutions for fraud case management, merchants often think a standalone case management tool is equivalent to the client portal an outsourced fraud prevention..
Fraud Prevention, Fraud Management, fraud protection
What Merchants Need to Know About PayPal Transactions in 2021
Jan 20, 2021

By Bruno Farinelli

What Merchants Need to Know About PayPal Transactions in 2021

Chargebacks, Payments, Fraud Management
Ecommerce Fraud Risk: Hong Kong
Dec 21, 2020

By Bruno Farinelli

Ecommerce Fraud Risk: Hong Kong

Hong Kong’s reliance on brick-and-mortar stores has made for slower growth in ecommerce. However, the region is flush with wealth and exceptional digital infrastructure, so the..
Fraud Management, Country Profiles, Ecommerce Strategies
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