Author blog posts
Foto autor Rafael Lourenco

Rafael Lourenco

Leading smart people to solve complex problems in dynamic environments is Rafael’s signature skill. As ClearSale’s Executive Vice President and Partner, Rafael combines the company’s innovation-driven culture and emphasis on communication with a deep understanding of the statistical tools that underpin excellent fraud protection. From his base in Miami, he oversees ClearSale’s US anti-fraud operation by leading its commercial, statistical intelligence and IT teams and providing technical and executive management for all the operation’s employees. During his 8 years with the company, Rafael has also planned and executed ClearSale’s international business unit, directed ClearSale’s statistical intelligence area, and helped manage the company’s growth from 25 to more than 700 employees, including more than 500 highly trained fraud analysts. Rafael has a distinguished academic background. He earned his master’s degree in economics and finance at FGV-SP (Fundação Getúlio Vargas-São Paulo), one of the world’s leading policy and economic think tanks. Rafael holds a bachelor’s degree with great distinction in statistics from UNICAMP (Universidade Estadual de Campinas), internationally recognized as one of the top universities in Brazil and in the world.

Find me on:
The pandemic accelerated retail's digital transformation. Where do we stand now?

The pandemic accelerated retail's digital transformation. Where do we stand now?

As the pandemic prompts consumers to seek contactless digital retail options, merchants must keep pace with customers’ expectations, stay on top of recent technology and..

The Data Balance: How to Deliver Privacy and Personalization

The Data Balance: How to Deliver Privacy and Personalization

As we rely more on digital commerce in our daily lives, customers are raising their expectations for both customer experience (CX) and data privacy. For example, 62% of..

Don't Let These Peak Season Ecommerce Fraud Myths Wreck Your CX (and Revenue)

Don't Let These Peak Season Ecommerce Fraud Myths Wreck Your CX (and Revenue)

Retailers are already thinking about the 2021 winter holidays and how they’ll serve customers while preventing fraud. After last year’s big shift to ecommerce and so many..

Turning The Clock Back on Fraud

Turning The Clock Back on Fraud

How will companies be able to get fraud to return to pre-pandemic levels as we ease back into something more resembling normal? Rafael Lourenco, EVP at ClearSale, give his take

New Fraud Prevention Issues for Retailers

New Fraud Prevention Issues for Retailers

Over the past year, merchants have experienced an increase in fraud volume as fraudsters employ new tactics to take advantage of businesses and consumers alike. At the same..

What can brands learn from the Facebook data leak?

What can brands learn from the Facebook data leak?

The data scraping attack that exposed 533 million Facebook users’ personal information may not seem like a problem for eCommerce brands. Much of the media analysis of the leak..

Subscribe to our blog

Fraudsters Take Advantage of Vulnerable Online Daters During Covid-19

Fraudsters Take Advantage of Vulnerable Online Daters During Covid-19

There was a 20% increase in bank transfer fraud linked to romance scams in 2020 compared to 2019. National lockdowns exacerbated loneliness, and people turned to dating apps..

How Fraud Prevention Services Can Overcome the Innovator’s Dilemma

How Fraud Prevention Services Can Overcome the Innovator’s Dilemma

Fraud prevention professionals are in a constant competition. Their opponents are organized cybercriminals who innovate new ways to commit fraud like it’s their..

What Effective eCommerce Fraud Screening Looks Like Now

What Effective eCommerce Fraud Screening Looks Like Now

We’re starting 2021 in a very different place from where we started 2020 in terms of ecommerce growth and fraud prevention. The fast shift to ecommerce and away from..

The customer experience: How the pandemic changed ecommerce

The customer experience: How the pandemic changed ecommerce

The pandemic changed how customers viewed shopping and spending. But as the world moves into post-pandemic, retailers are concerned with creating a positive customer..

Why Ecommerce Merchants Should Monitor the Amazon-Shopify Battle

Why Ecommerce Merchants Should Monitor the Amazon-Shopify Battle

There’s a behind-the-scenes battle going on between the two biggest ecommerce platforms in the U.S. that could have big implications for merchants. After much media speculation..

Knowledge-Base
Critical Pandemic Lessons in Mobile Payment Fraud Prevention

Critical Pandemic Lessons in Mobile Payment Fraud Prevention

As the world pivoted to online shopping, work, and learning last year, the timeline for mobile usage growth jumped ahead by two to three years in the first half of 2020. Many..

QR Code Payments Are Convenient, Great for Distancing, and Targets for Fraud

QR Code Payments Are Convenient, Great for Distancing, and Targets for Fraud

QR code payments have finally caught on in the U.S. after lagging behind adoption in China and other Asian markets. Why the change? The need for contactless payments brought on..

As UK Stores Target a Global Audience, Here’s What You Need to Know About Security

As UK Stores Target a Global Audience, Here’s What You Need to Know About Security

The sharp rise of eCommerce has eliminated shopping borders and it's not unusual for hackers to target stores not in their local country to avoid outing themselves.

Five Habits We Can Learn from Chess that Apply to Crisis Leadership

Five Habits We Can Learn from Chess that Apply to Crisis Leadership

Chess was the breakout game of 2020, as teens and young adults stuck at home flocked to live games by chess experts on Twitch. Between top players on social media and the..

How Safe is Your Social Commerce Channel From ATO Fraud?

How Safe is Your Social Commerce Channel From ATO Fraud?

Social media shopping is booming in popularity, as platforms roll out new and creative ways for users to buy directly from posts and merchants use social marketing to attract..

What Ecommerce Fraud Issues Will Retailers Face in 2021?

What Ecommerce Fraud Issues Will Retailers Face in 2021?

After a year like no other, merchants and their customers are looking forward to the possibility of some return to normalcy in 2021. However, some of the fraud trends we saw..

Top 7 Ecommerce Trends for 2021 to Watch

Top 7 Ecommerce Trends for 2021 to Watch

While we’re not quite sure what 2021 will bring (it could be normalcy ... or it could be utter chaos), ecommerce is expected to continue its meteoric rise. Shoppers will..

A Two-Tiered Approach to Fraud Prevention Can Help Online Businesses Boost Sales

A Two-Tiered Approach to Fraud Prevention Can Help Online Businesses Boost Sales

Every online merchant understands the financial harm that fraud can do, including chargeback fees, higher payment processing rates, lost product, and other costs like shipping,..

Analyze Your Holiday 2020 Fraud Data Now to Prep For Holiday 2021

Analyze Your Holiday 2020 Fraud Data Now to Prep For Holiday 2021

With the 2020 winter holidays in the books, ecommerce merchants are planning for the 2021 holiday sales season. That planning should include a review of your store’s 2020..

Retailers Need to Fully Accept Mobile Device Shopping in 2021

Retailers Need to Fully Accept Mobile Device Shopping in 2021

Retailers need to turn the disruption caused by the pandemic into an opportunity, and this opportunity exists online, explains a leading analyst. Retailers need to identify and..

Five Ways to Master Digital Transformation in 2021

Five Ways to Master Digital Transformation in 2021

The retail landscape was already changing rapidly, thanks to a digital revolution that has changed how we work, shop, and live. Add in a global pandemic, and you have a massive..

Alternative Payment Methods for Ecommerce Stores

Alternative Payment Methods for Ecommerce Stores

As consumers make more purchases online, they expect their transactions to be quick, convenient, and contactless, especially when it comes to payment. The last thing you want..

Luxury Retailers: Are You Ready For the Holidays?

Luxury Retailers: Are You Ready For the Holidays?

This has been a year of whiplash for luxury retail, with growth projections replaced by dire forecasts of double-digit decreases in sales. Will the holiday season be any..

How Can E-commerce Merchants Cut Through the Hype to Find Reliable SaaS Providers?

How Can E-commerce Merchants Cut Through the Hype to Find Reliable SaaS Providers?

Over the last few years, the number of startups and solution providers in the technology space has been growing to handle everything from social media marketing and customer..

Looking for your next big cross-border market? New study shows Mexico is the up and coming ecommerce hotspot

Looking for your next big cross-border market? New study shows Mexico is the up and coming ecommerce hotspot

For U.S.-based ecommerce businesses looking to expand internationally, Mexico is an appealing option. Its consumer base is young and mobile savvy. Internet use and online..

After the Year We've Had, Will Black Friday and Holiday Retail Ever Be the Same?

After the Year We've Had, Will Black Friday and Holiday Retail Ever Be the Same?

As we approach the winter holiday season, many of us are looking forward to something positive at the end of a historically difficult year. From consumers who lost jobs or..

How Fast-Growing Businesses Can Handle New Hiring Challenges Now

How Fast-Growing Businesses Can Handle New Hiring Challenges Now

Despite dire economic news about layoffs and furloughs, companies in some sectors like e-commerce and e-commerce technology are adding people. But the hiring process for these..

ECommerce Fraud Protection for Online Merchants: The Ultimate Guide

ECommerce Fraud Protection for Online Merchants: The Ultimate Guide

Contents

What is Ecommerce Fraud?

Why Focusing Solely on Mobile Ecommerce Could Lose You Sales

Why Focusing Solely on Mobile Ecommerce Could Lose You Sales

Consumers are increasingly using mobile devices to shop online, with 65% of ecommerce traffic happening on mobile devices compared to 35% on desktop. This rise in mobile..

Page 1 of 7