Rafael Lourenco author page

Top
Categories

All Categories
Top Authors
RSS
All Categories

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:
 
CX and Security Best Practices to Meet Customer Expectations in 2023
Mar 8, 2023

By Rafael Lourenco

CX and Security Best Practices to Meet Customer Expectations in 2023

Customer experience seems to be at a crossroads. Nearly 90 percent of customers now say they prioritize experience when they make buying decisions, but many companies aren’t..

Fraud Management, ClearSale in the Media, False Declines/CX
As Customer Acquisition Costs Rise, Anti-Fraud Strategies Can Help
Feb 22, 2023

By Rafael Lourenco

As Customer Acquisition Costs Rise, Anti-Fraud Strategies Can Help

Connecting with and keeping customers is more challenging than ever. Ecommerce competition is up, and so are rates for digital ads, while ROI on ad spending is down, according to a
Fraud Management, ClearSale in the Media, False Declines/CX, Ecommerce Strategies
Giving Shoppers What They Really Want from the Metaverse
Feb 22, 2023

By Rafael Lourenco

Giving Shoppers What They Really Want from the Metaverse

There’s been a lot of talk about how the metaverse will change the way customers, brands, and retailers interact. Most of that conversation has focused on digital and virtual..
ClearSale in the Media, General Business Strategies
Why a Zero-Fraud Approach Problem Won’t Work
Feb 1, 2023

By Rafael Lourenco

Why a Zero-Fraud Approach Problem Won’t Work

You may see some fraud prevention companies talk about eliminating fraud from your ecommerce business. It’s a lofty goal and one to be wary of. Any company with zero fraud may in..
Fraud Management, False Declines/CX, Ecommerce Strategies
Should Ecommerce Fraud Prevention Strategy Change in an Iffy Economy?
Jan 27, 2023

By Rafael Lourenco

Should Ecommerce Fraud Prevention Strategy Change in an Iffy Economy?

Retailers face a challenging environment in 2023 as global economic growth slows and the U.S. remains at risk of recession. At the same time, fraud against retailers continues to..
Fraud Management, ClearSale in the Media, False Declines/CX, Ecommerce Strategies
In An Uncertain Economy, Loyalty Programs Can Give Retailers a Boost
Jan 27, 2023

By Rafael Lourenco

In An Uncertain Economy, Loyalty Programs Can Give Retailers a Boost

Consumers are facing inflation and scaling back at least some of their spending as a result. Retailers can adapt to a slower-growing or contracting global economy by cultivating..
ClearSale in the Media, False Declines/CX, Ecommerce Strategies

Subscribe to our blog
Retain More Subscription Customers by Reducing Billing Friction
Jan 26, 2023

By Rafael Lourenco

Retain More Subscription Customers by Reducing Billing Friction

As inflation forces consumers to rethink their monthly budgets, it’s becoming clear that U.S. shoppers want to keep their subscriptions and are cutting spending in other areas..

Payments, ClearSale in the Media, False Declines/CX
Travel Brands Can Meet Customer Expectations and Fight Rising Fraud
Jan 19, 2023

By Rafael Lourenco

Travel Brands Can Meet Customer Expectations and Fight Rising Fraud

With the world reopened for travel and 66% of U.S. adults planning more trips, flight delays and long lines in airports are making headlines. There’s another challenge facing the..

Fraud Management, False Declines/CX
Mitigating Fraud while growing your business
Jan 16, 2023

By Rafael Lourenco

Mitigating Fraud while growing your business

The factors that make eCommerce so appealing to founders can also make fledgling businesses easy targets for fraud once they start to grow. The ease of access to worldwide..
Fraud Management, ClearSale in the Media
Beginner’s Guide to Fraud Filters
Nov 4, 2022

By Rafael Lourenco

Beginner’s Guide to Fraud Filters

Fraud is one of the biggest concerns for businesses that sell their products online. The impacts are widespread: Ecommerce fraud costs your business lost merchandise, lost..
Fraud Management, False Declines/CX, Ecommerce Strategies, Ecommerce Platforms
Preparing Your Ecommerce Store for the Holiday Season
Oct 29, 2022

By Rafael Lourenco

Preparing Your Ecommerce Store for the Holiday Season

We’ve officially entered autumn – or fall, whichever fits for your business. That means the holiday season has already begun. The question is, how prepared is your ecommerce..
Fraud Management, Ecommerce Strategies
Nova call to action
Growing Social Commerce Starts With Customer Trust
Oct 25, 2022

By Rafael Lourenco

Growing Social Commerce Starts With Customer Trust

Social commerce is gaining ground among consumers, growing three times as fast as overall ecommerce. By 2025, U.S. social commerce retail sales will exceed $79 billion and global..

ClearSale in the Media, Ecommerce Strategies
Data Breaches and Identity Theft Are Fuelling E-commerce Fraud
Oct 25, 2022

By Rafael Lourenco

Data Breaches and Identity Theft Are Fuelling E-commerce Fraud

The pandemic birthed a new era for e-commerce fraud, and the risks and vulnerabilities have never been greater. Data breaches and credential phishing alone exposed more than 1.1..
Fraud Management, ClearSale in the Media, False Declines/CX
5 Ways to Prepare for Black Friday & Cyber Monday
Oct 25, 2022

By Rafael Lourenco

5 Ways to Prepare for Black Friday & Cyber Monday

Black Friday and Cyber Monday shopping habits are predicted to change yet again. For ecommerce retailers, this means more adaptation after an already-exhausting three years of..
Fraud Management, General Business Strategies, False Declines/CX, Ecommerce Strategies
Close The Consumer Trust Gap or Risk Losing Holiday Sales
Oct 24, 2022

By Rafael Lourenco

Close The Consumer Trust Gap or Risk Losing Holiday Sales

With the holidays right around the corner and more than half of consumers planning to spend with caution this season, retailers need to identify every opportunity to attract..

Fraud Management, ClearSale Company News, False Declines/CX, Ecommerce Strategies
Cybersecurity Retail Risk Trends to Watch for Now and in 2023
Oct 24, 2022

By Rafael Lourenco

Cybersecurity Retail Risk Trends to Watch for Now and in 2023

Cybersecurity attacks against businesses are unrelenting, and while retail and ecommerce typically focus on fraud prevention, they’re often targets of other digital attacks as..
Fraud Management, ClearSale in the Media
Fraud Prevention, Business Continuity, and Crisis Management
Oct 18, 2022

By Rafael Lourenco

Fraud Prevention, Business Continuity, and Crisis Management

Every business needs crisis mitigation and response strategies in case of technical disasters or other major problems that can impact customers and cause reputational harm. Now..
ClearSale in the Media, General Business Strategies
Worried About Reputational Risk? Boost Your CX and Fraud Prevention
Oct 3, 2022

By Rafael Lourenco

Worried About Reputational Risk? Boost Your CX and Fraud Prevention

Ecommerce businesses have many risks to manage, from supply chain and inventory issues to chargebacks. Reputational risk is also an ongoing concern. Consumers are more likely than..
Fraud Management, ClearSale in the Media, Ecommerce Strategies
The Online Retailer’s Holiday Fraud Prevention and CX Checklist
Sep 27, 2022

By Rafael Lourenco

The Online Retailer’s Holiday Fraud Prevention and CX Checklist

Online consumer behavior and expectations have evolved rapidly since the start of the pandemic, and they’re going into the holiday shopping season with higher expectations than..
Fraud Management, ClearSale in the Media, False Declines/CX
Building Security into Your Company Culture Can Improve CX
Sep 2, 2022

By Rafael Lourenco

Building Security into Your Company Culture Can Improve CX

Customer experience (CX) now drives buying decisions and determines brand loyalty, so building a CX-focused company culture is important for staying competitive. A security-minded..
ClearSale in the Media, General Business Strategies, False Declines/CX
Best practices in fraud prevention and CX for cross-border trade
Sep 2, 2022

By Rafael Lourenco

Best practices in fraud prevention and CX for cross-border trade

Cross-border commerce will be worth $156 trillion this year, and it’s growing at 5% year over year. That represents a major opportunity for online retailers and direct-to-consumer..

Fraud Management, ClearSale in the Media, False Declines/CX
Solving the Key CX Issues for Gen Z Consumers
Jul 19, 2022

By Rafael Lourenco

Solving the Key CX Issues for Gen Z Consumers

Which generation do you think is the savviest online, and which do you think has the best online shopping experiences? The answers might surprise your customer experience (CX) and..
Fraud Management, ClearSale in the Media, False Declines/CX, Ecommerce Strategies
More Than Two Years into the Pandemic, What's Different in Ecommerce?
Jul 14, 2022

By Rafael Lourenco

More Than Two Years into the Pandemic, What's Different in Ecommerce?

Retailers know the pandemic transformed ecommerce with a flood of orders from existing customers, brand-new online shoppers, and consumers from other countries. Of course, order..
Fraud Management, ClearSale in the Media, False Declines/CX
Why AI Will Revolutionize Every Aspect Of Ecommerce
Jun 23, 2022

By Rafael Lourenco

Why AI Will Revolutionize Every Aspect Of Ecommerce

Artificial intelligence has played a highly visible role in creating easier, more realistic buying experiences for online shoppers since the start of the pandemic. Virtual try-ons..
ClearSale in the Media, Ecommerce Strategies
The Challenges & Rewards of Digital Wallets for Ecommerce Businesses
Jun 23, 2022

By Rafael Lourenco

The Challenges & Rewards of Digital Wallets for Ecommerce Businesses

Like ecommerce, digital wallet use was affected by the pandemic. As shoppers sought contactless ways to pay in stores and shopped more online, digital wallets offered physical..
Payments, Fraud Management, ClearSale in the Media, False Declines/CX, Ecommerce Strategies
The Ideal Purchase: Payment Systems and Plans, Fraud, Returns and More
Jun 3, 2022

By Rafael Lourenco

The Ideal Purchase: Payment Systems and Plans, Fraud, Returns and More

What makes the perfect shopping experience for your customers now? As online shoppers get used to better and better ecommerce experiences, it’s no longer enough to have one or two..
Payments, Fraud Management, ClearSale in the Media, False Declines/CX, Ecommerce Strategies
Identifying and Addressing the Latest Ecommerce Fraud Trends
May 18, 2022

By Rafael Lourenco

Identifying and Addressing the Latest Ecommerce Fraud Trends

In 2022, ecommerce retailers can expect to see many of the same fraud issues that that have been plagued the sector in recent years, including card-not-present (CNP) fraud and..
Fraud Management, ClearSale in the Media
Previous
Page 1 of 10
Next