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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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These Main Order Variables Indicate Fraud-But How Can We Tell Fraud From Good Customer Behavior?
Dec 22, 2021

By Rafael Lourenco

These Main Order Variables Indicate Fraud-But How Can We Tell Fraud From Good Customer Behavior?

Fighting fraud while keeping good customers happy is one of the key determinants of ecommerce success. Allow too much fraud and your bank may close your merchant account. Turn..
Fraud Management, ClearSale in the Media, False Declines/CX
The High Street’s Gone Digital: UK Businesses Are Changing Priorities For Safety
Dec 22, 2021

By Rafael Lourenco

The High Street’s Gone Digital: UK Businesses Are Changing Priorities For Safety

The high street has long been a bastion of British culture, with department stores offering all manner of goods under one roof and independent stores filling in the gaps.
Fraud Management, ClearSale in the Media, Ecommerce Strategies
Transaction Screening Optimization: The Perpetual Balancing Act of Fraud Risk, Customer Behavior and Consumer Expectations
Dec 22, 2021

By Rafael Lourenco

Transaction Screening Optimization: The Perpetual Balancing Act of Fraud Risk, Customer Behavior and Consumer Expectations

Ecommerce fraud prevention typically focuses on finding the right balance of automation and expert review to minimize both fraud and false positives. However, there’s another..
Fraud Management, ClearSale in the Media, False Declines/CX
Digital Wallet Chargeback Policies Have Changed: What You Need to Know
Dec 21, 2021

By Rafael Lourenco

Digital Wallet Chargeback Policies Have Changed: What You Need to Know

It’s been a challenging couple of years for e-commerce merchants trying to fight fraud. Account takeover (ATO) fraud increased by 50 percent in the latter half of 2020 and it’s..

Chargebacks, Payments, ClearSale in the Media
The Art (and Math) of Balancing CX With Fraud Prevention
Nov 30, 2021

By Rafael Lourenco

The Art (and Math) of Balancing CX With Fraud Prevention

The balancing act between generating revenue, preventing fraud and delivering a good customer experience has never been more challenging for e-commerce merchants. U.S. retail..
Fraud Management, ClearSale in the Media
How backtesting helps merchants find their ideal fraud prevention solution
Nov 10, 2021

By Rafael Lourenco

How backtesting helps merchants find their ideal fraud prevention solution

Every merchant needs protection from payment fraud, especially as online payment fraud keeps increasing. Juniper Research estimates that ecommerce merchants will lose more than..

Chargebacks, Fraud Management, ClearSale in the Media, False Declines/CX

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Checkout Checklist: How to Stop Cart Abandonment From Costing Sales
Oct 29, 2021

By Rafael Lourenco

Checkout Checklist: How to Stop Cart Abandonment From Costing Sales

Completed orders are the goal for every e-commerce merchant, and most retailers strive to deliver a customer experience that makes it easy for customers to move from browsing..
Payments, ClearSale in the Media, Ecommerce Strategies
How Merchants Can Implement Frictionless Payments While Preventing Fraud
Oct 21, 2021

By Rafael Lourenco

How Merchants Can Implement Frictionless Payments While Preventing Fraud

Last year’s surge in e-commerce spending came with an unwelcome feature for e-commerce merchants: a sharp increase in payments fraud. A recent FIS/Forrester Consulting survey..
Payments, Fraud Management, ClearSale in the Media
Cybersecurity improvements may be the best customer experience tool you're not using
Oct 20, 2021

By Rafael Lourenco

Cybersecurity improvements may be the best customer experience tool you're not using

The past year and a half has pushed businesses and the customers they serve to make dramatic changes in how they use technology. The pandemic sped up digital transformation for..

Fraud Management, ClearSale in the Media, False Declines/CX
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
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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
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
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
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