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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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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 annoying cousin. Naturally, we use our mobile devices for shopping as well.

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 e-commerce fraud protection
Sep 15, 2020

By Rafael Lourenco

U.S. shoppers say they'll trade privacy (but not convenience) for better e-commerce 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

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Looking for your next big cross-border market? New study shows Mexico is the up and coming e-commerce hotspot
Sep 14, 2020

By Rafael Lourenco

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

For U.S.-based e-commerce 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
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
Knowledge-Base
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
How Voice Match Will Shift How Consumers Make Online Orders
Jul 24, 2020

By Rafael Lourenco

How Voice Match Will Shift How Consumers Make Online Orders

It used to be considered unusual to have full-on conversations with inanimate objects. But as we’ve welcomed Siri, Alexa, and the rest of their friends into our lives, it’s..
E-Commerce Strategies
New research shows 33% of US consumers drop retailers after a false decline. Here's how to prevent those losses
Jul 20, 2020

By Rafael Lourenco

New research shows 33% of US consumers drop retailers after a false decline. Here's how to prevent those losses

If you told 100 of your customers that you wouldn’t do business with them because you thought they were fraudsters, how many would leave and never come back? Most merchants..
ClearSale in the Media
ClearSale Recognized as Top Performer in the Summer 2020 Fraud Prevention Software Customer Success Report
Jul 16, 2020

By Rafael Lourenco

ClearSale Recognized as Top Performer in the Summer 2020 Fraud Prevention Software Customer Success Report

MIAMI, FL (July 15, 2020) -- International fraud protection leader ClearSale (www.clear.sale) announced today that it was recognized as a Top Performer in the Fraud Prevention..

ClearSale in the Media
Retailers have got COVID-19 problems, but fraud shouldn’t be one
Jul 10, 2020

By Rafael Lourenco

Retailers have got COVID-19 problems, but fraud shouldn’t be one

 The coronavirus pandemic has led to more Australians filling their shopping bags from behind a screen, but a proliferation of COVID-19-themed online scams are pushing..
Fraud Prevention
The rock and the hard place: Protecting consumers and your brand in a crisis
Jul 8, 2020

By Rafael Lourenco

The rock and the hard place: Protecting consumers and your brand in a crisis

As Australian retailers rapidly pivot to online sales during the coronavirus crisis, staying safe from cyber criminals has never been more critical. But how do retailers..
E-Commerce Strategies
What to Consider When Assessing the Cost of Fraud Protection
Jul 7, 2020

By Rafael Lourenco

What to Consider When Assessing the Cost of Fraud Protection

Almost every e-commerce business would acknowledge that online payment fraud is a growing global problem—one that hurts customers and merchants alike.
Fraud Management
CIOs need to create teams of cybersecurity experts
Jul 3, 2020

By Rafael Lourenco

CIOs need to create teams of cybersecurity experts

Recent global incidents around the world has shown COVID-19 hasn’t stopped cybercriminals. The pandemic has made them bolder and they’ve stepped up their activities – be it ..

ClearSale in the Media
What Facial Recognition Technology Can Do for Safety Right Now—And What It Can’t Do Yet
Jul 2, 2020

By Rafael Lourenco

What Facial Recognition Technology Can Do for Safety Right Now—And What It Can’t Do Yet

Everyone’s looking for ways to stay safer now, and many are looking to technology for help. Facial recognition is one of the tools that government agencies and businesses are..
ClearSale in the Media
M-Commerce Is Booming. So Is M-Commerce Fraud
Jun 30, 2020

By Rafael Lourenco

M-Commerce Is Booming. So Is M-Commerce Fraud

As mobile commerce continues to boom, so, too, does m-commerce fraud. For businesses, the solution is to create a multilayered defense.
ClearSale in the Media
E-Bikes Industry Statistics and Insights in 2020
Jun 25, 2020

By Rafael Lourenco

E-Bikes Industry Statistics and Insights in 2020

For certain purposes, such as commuting, running errands, or sightseeing, a bicycle is a near-perfect vehicle. There’s only one problem: cycling can be exhausting! Struggling..
Industry Profiles
E-Commerce Fraud Trends & Tips: Argentina
Jun 22, 2020

By Rafael Lourenco

E-Commerce Fraud Trends & Tips: Argentina

Latin America continues to be a global hotspot for e-commerce retailers, thanks to rising internet penetration rates and more and more consumers going online. Argentina is no..
Country Profiles
Why MOTO Transactions Have an Increased Fraud Risk
Jun 19, 2020

By Rafael Lourenco

Why MOTO Transactions Have an Increased Fraud Risk

It seems like the web and online shopping have been around for decades. Still, it’s really not that long ago that consumers would place orders for goods by thumbing through..
Fraud Management
As contactless payment use grows in the U.S., here’s what consumers need to know about fraud prevention
Jun 15, 2020

By Rafael Lourenco

As contactless payment use grows in the U.S., here’s what consumers need to know about fraud prevention

Touch-free “contactless” payments in stores and at vending machines are gaining popularity with U.S. shoppers and retailers during the pandemic, because the coronavirus can..
ClearSale in the Media
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