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Rafael Lourenco

Leading smart people to solve complex problems in dynamic environments is Rafael’s signature skill. As ClearSale’s VP of US Operations, 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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Beware of gift card fraud —don't let it hijack your holiday season
Nov 26, 2020

By Rafael Lourenco

Beware of gift card fraud —don't let it hijack your holiday season

Yahoo Life is committed to finding you the best products at the best prices. The product written about here is offered in affiliation with Yahoo Life's parent company, Verizon..
Fraud Management, ClearSale in the Media
After the Year We've Had, Will Black Friday and Holiday Retail Ever Be the Same?
Nov 25, 2020

By Rafael Lourenco

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..
E-Commerce Strategies, ClearSale in the Media
How Fast-Growing Businesses Can Handle New Hiring Challenges Now
Nov 20, 2020

By Rafael Lourenco

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..
ClearSale in the Media, General Business Strategies
ECommerce Fraud Protection for Online Merchants: The Ultimate Guide
Nov 20, 2020

By Rafael Lourenco

ECommerce Fraud Protection for Online Merchants: The Ultimate Guide

Contents

What is Ecommerce Fraud?

fraud protection, e-commerce fraud, E-Commerce Strategies
Strong Security is Paramount to Prevent COVID Caution Affecting Your Online Business
Nov 13, 2020

By Rafael Lourenco

Strong Security is Paramount to Prevent COVID Caution Affecting Your Online Business

In the space of a few months, the world has been transformed drastically by the impacts of the coronavirus pandemic. Whilst the UK is slowly beginning to emerge from lockdown..
E-Commerce Strategies, ClearSale in the Media
Why Focusing Solely on Mobile Ecommerce Could Lose You Sales
Nov 13, 2020

By Rafael Lourenco

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..

Payments, Fraud Management, E-Commerce Strategies

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What retailers need to know about gift card fraud
Nov 11, 2020

By Rafael Lourenco

What retailers need to know about gift card fraud

Shoppers plan to buy a lot of gift cards this holiday season. And that means retailers will need to watch for more fraudulent transactions.

Gift card sales—both physical and..
featured
Holiday shopping may overwhelm delivery capacity this year. Does your store have a plan?
Nov 5, 2020

By Rafael Lourenco

Holiday shopping may overwhelm delivery capacity this year. Does your store have a plan?

As many as 700 million gifts may arrive late this holiday season, according to retail analysts who foresee extra demands on shipping companies that have already been struggling..

featured, ClearSale in the Media
How a Pandemic Increased Digital Gift Cards to Ecommerce Stores
Oct 30, 2020

By Rafael Lourenco

How a Pandemic Increased Digital Gift Cards to Ecommerce Stores

Both consumers and ecommerce sites have embraced the digital gift card for its versatility and convenience during the pandemic. But as the possible applications for this..
Payments, E-Commerce Strategies
Merchants: Don’t Fumble on False Declines this Holiday Shopping Season
Oct 27, 2020

By Rafael Lourenco

Merchants: Don’t Fumble on False Declines this Holiday Shopping Season

It has already been a busy year for e-commerce. The Adobe Digital Economy Index report for May 2020 finds e-commerce spending in that month alone overshadowed the entire 2019..

Research: Fraud transparency is key to earning US consumer trust
Oct 24, 2020

By Rafael Lourenco

Research: Fraud transparency is key to earning US consumer trust

Can online merchants earn more customer trust by talking about fraud? Yes, according to a recent survey of more than a thousand US online shoppers. It sounds counterintuitive,..
featured
Knowledge-Base
Culture And People Will Drive Tech Innovation And Growth
Oct 21, 2020

By Rafael Lourenco

Culture And People Will Drive Tech Innovation And Growth

Many retailers have adopted automation and AI in recent years to streamline processes, reduce costs and create a better customer experience. However, there are limits to..
ClearSale and BigCommerce Prep Ecommerce Small Business
Oct 14, 2020

By Rafael Lourenco

ClearSale and BigCommerce Prep Ecommerce Small Business

ClearSale and BigCommerce have come together to help small businesses address fraud as the holiday shopping season fast approaches. And this year, more than any other year,..
featured
Account takeover is the biggest fraud threat U.S. consumers haven't heard of
Oct 1, 2020

By Rafael Lourenco

Account takeover is the biggest fraud threat U.S. consumers haven't heard of

Account takeover fraud is a huge problem, but most US consumers don’t know about it. Only 36% of US consumers say they are familiar with account hijacking fraud, even though..
ClearSale in the Media
How to Know It’s Time to Create a Mobile App for Your Online Store
Sep 28, 2020

By Rafael Lourenco

How to Know It’s Time to Create a Mobile App for Your Online Store

We rely on our mobile devices for everything—our banking, our gaming, our arguments with that really boisterous neighbor. Naturally, we use our mobile devices for shopping as..
E-Commerce Strategies
The Key to SaaS Growth Today: How to Forge the Right Partnerships and Alliances
Sep 24, 2020

By Rafael Lourenco

The Key to SaaS Growth Today: How to Forge the Right Partnerships and Alliances

Partnerships and channel sales offer e-commerce vendors a way to grow their B2B sales and become more competitive at a time when online retail is growing rapidly. This is..
[Industry Profile] Fitness Equipment and Sporting Goods
Sep 24, 2020

By Rafael Lourenco

[Industry Profile] Fitness Equipment and Sporting Goods

Jokes abound in 2020 about working from home, eating all your quarantine snacks and putting on your best Zoom pajamas for online meetings. It might seem that health and fitness..
Industry Profiles
How Backtesting Can Improve Fraud Prevention
Sep 23, 2020

By Rafael Lourenco

How Backtesting Can Improve Fraud Prevention

They say hindsight is 20/20, and that’s especially true for e-commerce merchants looking to increase their approval rates and decrease fraudulent transactions. It’s easy to..
Fraud Management
What Will This Holiday Shopping Season Look Like?
Sep 21, 2020

By Rafael Lourenco

What Will This Holiday Shopping Season Look Like?

Given the ongoing COVID-19 pandemic, the upcoming holiday shopping season will undoubtedly be unique. There are plenty of customers new to the e-commerce world, some of who..
featured
U.S. shoppers say they'll trade privacy (but not convenience) for better ecommerce fraud protection
Sep 15, 2020

By Rafael Lourenco

U.S. shoppers say they'll trade privacy (but not convenience) for better ecommerce fraud protection

As more consumer spending shifts to e-commerce, merchants need to strike a balance between fraud protection and customer experience. A recent survey just before business..
ClearSale in the Media
Survey: Men Experience More Online Shopping Fraud
Sep 11, 2020

By Rafael Lourenco

Survey: Men Experience More Online Shopping Fraud

Male shoppers are more likely to experience online shopping fraud than female shoppers. New research from ClearSale of over a thousand U.S. consumers that shop online at least..
ClearSale in the Media
The Four Ways Fraudsters Try to Snag Online Shoppers - and How You Can Avoid Them
Sep 2, 2020

By Rafael Lourenco

The Four Ways Fraudsters Try to Snag Online Shoppers - and How You Can Avoid Them

The COVID-19 pandemic has got more Australians shopping online, leaving them increasingly vulnerable to scammers poised to take advantage. Understanding the four key ways these..
ClearSale in the Media
Canadians Concerned About Fraud when Shopping Online: Survey
Aug 28, 2020

By Rafael Lourenco

Canadians Concerned About Fraud when Shopping Online: Survey

A new survey suggests Canadians are much more concerned about the safety of online shopping compared with consumers in the United States.
ClearSale in the Media
5 Ways to Prepare for Black Friday & Cyber Monday 2020
Aug 26, 2020

By Rafael Lourenco

5 Ways to Prepare for Black Friday & Cyber Monday 2020

Closing out a record-breaking 2019 holiday shopping season, e-commerce merchants had no reason to think 2020’s Black Friday and Cyber Monday would be any different.

E-Commerce Strategies
Luxury ecommerce spending patterns are different now. Is your online store ready to handle the changes?
Aug 12, 2020

By Rafael Lourenco

Luxury ecommerce spending patterns are different now. Is your online store ready to handle the changes?

The ‘20s were supposed to start off strong for luxury goods sales. In 2019, retail analysts like Boston Consulting Group (BCG) and Altagamma were predicting up to 5%..

ClearSale in the Media
How to ensure customers aren’t abandoning post-pandemic purchases
Aug 5, 2020

By Rafael Lourenco

How to ensure customers aren’t abandoning post-pandemic purchases

The unprecedented events of 2020 have hit the UK high street hard. Despite shops reopening, data from ONS shows that the percentage of internet sales has increased from 18% in..
ClearSale in the Media
Post-pandemic protection: why it is crucial that customers feel just as safe on your website as in-store
Aug 3, 2020

By Rafael Lourenco

Post-pandemic protection: why it is crucial that customers feel just as safe on your website as in-store

The closure of all stores deemed non-essential by the government in response to the coronavirus has resulted in an inevitable increase of people turning to online shopping. A..
ClearSale in the Media
Why Manual Fraud Review Is Worth the Wait
Jul 30, 2020

By Rafael Lourenco

Why Manual Fraud Review Is Worth the Wait

“We don’t have time to manually review transactions.” It’s a common refrain among e-commerce merchants. They know that customers are fickle and that they’ll go where they can..
Fraud Management
Country Profile: The Guide to E-Commerce in the United States
Jul 29, 2020

By Rafael Lourenco

Country Profile: The Guide to E-Commerce in the United States

In the world of e-commerce, one market looms larger than the rest: The United States of America. The U.S. has long enticed businesses as the land of opportunity.
Country Profiles
E-Commerce Payment Processing Options for Enterprise Merchants
Jul 27, 2020

By Rafael Lourenco

E-Commerce Payment Processing Options for Enterprise Merchants

Enterprise-level e-commerce merchants need to be able to accept as many legitimate online payment transactions as possible, mitigate risk, while delivering a secure and robust..
Payments, E-Commerce Strategies
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