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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.

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4 Steps To Create the Next-Level Digital Experiences Ecommerce Customers Expect
Sep 21, 2021

By Rafael Lourenco

4 Steps To Create the Next-Level Digital Experiences Ecommerce Customers Expect

Rafael Lourenco shares tips on digital transformation strategies that ecommerce stores can use right now.

Consumers are craving more digital ways to shop and interact with..
ClearSale in the Media, Ecommerce Strategies
A Seamless Online Shopping Experience
Sep 21, 2021

By Rafael Lourenco

A Seamless Online Shopping Experience

The online shopping experience can often make or break customer loyalty. We investigate the tools available to help retailers ensure a seamless and enjoyable online shopping..
Fraud Management, ClearSale in the Media, False Declines/CX, Ecommerce Strategies
How the Pandemic Changed Behavioral Biometrics in Fraud Screening
Sep 6, 2021

By Rafael Lourenco

How the Pandemic Changed Behavioral Biometrics in Fraud Screening

Fraud prevention technology can do some impressive things, like compare customers’ current behavior to past actions to determine whether their orders are legitimate or..
Fraud Management, ClearSale in the Media, False Declines/CX, Ecommerce Strategies
The dark side of returns and refunds: How policy abuse damages CX and what to do about it
Sep 6, 2021

By Rafael Lourenco

The dark side of returns and refunds: How policy abuse damages CX and what to do about it

A flexible return policy is key to e-commerce success, but it can also open the door to fraud. Return fraud was rising even before the pandemic led to more online shopping,..
Fraud Management, ClearSale in the Media, Ecommerce Strategies
The pandemic accelerated retail's digital transformation. Where do we stand now?
Jul 26, 2021

By Rafael Lourenco

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..
ClearSale in the Media, Ecommerce Strategies
The Data Balance: How to Deliver Privacy and Personalization
Jul 23, 2021

By Rafael Lourenco

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..

ClearSale in the Media, Ecommerce Strategies

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Don't Let These Peak Season Ecommerce Fraud Myths Wreck Your CX (and Revenue)
Jul 20, 2021

By Rafael Lourenco

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..
False Declines/CX, Ecommerce Strategies
Turning The Clock Back on Fraud
Jul 13, 2021

By Rafael Lourenco

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
Fraud Management, ClearSale in the Media, False Declines/CX
New Fraud Prevention Issues for Retailers
Jul 7, 2021

By Rafael Lourenco

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..
Chargebacks, Fraud Management, ClearSale in the Media
What can brands learn from the Facebook data leak?
Jun 15, 2021

By Rafael Lourenco

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..
Fraud Management, Ecommerce Strategies
Fraudsters Take Advantage of Vulnerable Online Daters During Covid-19
Jun 10, 2021

By Rafael Lourenco

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..

ClearSale in the Media, General Business Strategies
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How Fraud Prevention Services Can Overcome the Innovator’s Dilemma
Jun 1, 2021

By Rafael Lourenco

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..
Fraud Prevention
What Effective eCommerce Fraud Screening Looks Like Now
May 10, 2021

By Rafael Lourenco

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..
Chargebacks, Fraud Management, False Declines/CX
The customer experience: How the pandemic changed ecommerce
May 7, 2021

By Rafael Lourenco

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..
Fraud Management, ClearSale in the Media, False Declines/CX, Ecommerce Strategies
Why Ecommerce Merchants Should Monitor the Amazon-Shopify Battle
Apr 23, 2021

By Rafael Lourenco

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..

ClearSale in the Media, General Business Strategies, Ecommerce Strategies
Critical Pandemic Lessons in Mobile Payment Fraud Prevention
Mar 31, 2021

By Rafael Lourenco

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..

Payments, Fraud Management, ClearSale in the Media, Ecommerce Strategies
QR Code Payments Are Convenient, Great for Distancing, and Targets for Fraud
Mar 29, 2021

By Rafael Lourenco

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..
Payments, Fraud Management, ClearSale in the Media
As UK Stores Target a Global Audience, Here’s What You Need to Know About Security
Mar 19, 2021

By Rafael Lourenco

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.
Fraud Management, ClearSale in the Media, Ecommerce Strategies
Five Habits We Can Learn from Chess that Apply to Crisis Leadership
Mar 12, 2021

By Rafael Lourenco

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..

ClearSale in the Media, General Business Strategies
How Safe is Your Social Commerce Channel From ATO Fraud?
Mar 10, 2021

By Rafael Lourenco

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..
Fraud Management, ClearSale in the Media, Ecommerce Strategies
What Ecommerce Fraud Issues Will Retailers Face in 2021?
Feb 3, 2021

By Rafael Lourenco

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..

Fraud Management, ClearSale in the Media, False Declines/CX, Ecommerce Strategies
Top 7 Ecommerce Trends for 2021 to Watch
Feb 2, 2021

By Rafael Lourenco

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..
Chargebacks, Payments, Fraud Management, False Declines/CX, Ecommerce Strategies
A Two-Tiered Approach to Fraud Prevention Can Help Online Businesses Boost Sales
Jan 22, 2021

By Rafael Lourenco

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,..
False Declines, ClearSale in the Media
Analyze Your Holiday 2020 Fraud Data Now to Prep For Holiday 2021
Jan 20, 2021

By Rafael Lourenco

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..
Fraud Management, ClearSale in the Media
Retailers Need to Fully Accept Mobile Device Shopping in 2021
Jan 5, 2021

By Rafael Lourenco

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..
Fraud Management, ClearSale in the Media, Ecommerce Strategies
Five Ways to Master Digital Transformation in 2021
Jan 4, 2021

By Rafael Lourenco

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..
Fraud Management, Ecommerce Strategies
Alternative Payment Methods for Ecommerce Stores
Dec 28, 2020

By Rafael Lourenco

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..
Payments, Ecommerce Strategies
Luxury Retailers: Are You Ready For the Holidays?
Dec 18, 2020

By Rafael Lourenco

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..
Fraud Management, ClearSale in the Media, Ecommerce Strategies
How Can E-commerce Merchants Cut Through the Hype to Find Reliable SaaS Providers?
Dec 8, 2020

By Rafael Lourenco

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..
E-Commerce Strategies, ClearSale in the Media, General Business Strategies, Ecommerce Strategies
Looking for your next big cross-border market? New study shows Mexico is the up and coming ecommerce hotspot
Nov 30, 2020

By Rafael Lourenco

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..
guest posts, Country Profiles
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