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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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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
What Are Online Shoppers Most Concerned With In 2022? Security, Sustainability, And Seamless CX
May 18, 2022

By Rafael Lourenco

What Are Online Shoppers Most Concerned With In 2022? Security, Sustainability, And Seamless CX

Two years after the big pivot to ecommerce, consumers are over having to deal with disruption like out-of-stock items, shipping delays, and clunky checkout procedures. Now, recent..
ClearSale in the Media, False Declines/CX
What Matters Most to Online Consumers Right Now
Apr 25, 2022

By Rafael Lourenco

What Matters Most to Online Consumers Right Now

How can sellers keep the online consumers they’ve won over the past two years?

After two years of disruption and navigating much of daily life through screens, many people are..
ClearSale in the Media, False Declines/CX
Contactless Payment Trends We're Watching Now for 2022
Apr 8, 2022

By Rafael Lourenco

Contactless Payment Trends We're Watching Now for 2022

Although contactless payments became much more popular because of the pandemic, they’re not going away even as many regions return to more in-person activities. In fact,..
Payments, Fraud Management, ClearSale in the Media, False Declines/CX
Ecommerce Returns: Cost Center or Competitive Advantage?
Feb 24, 2022

By Rafael Lourenco

Ecommerce Returns: Cost Center or Competitive Advantage?

U.S. consumers were forecast to return more than $66 billion in goods after the 2021 holiday season, and ecommerce returns are a huge and growing issue. For businesses, they..

Fraud Management, ClearSale in the Media, False Declines/CX
Does Your Store Offer the Fraud Protection and Customer Experience Gen Z Shoppers Need?
Feb 21, 2022

By Rafael Lourenco

Does Your Store Offer the Fraud Protection and Customer Experience Gen Z Shoppers Need?

Gen Z—the group of U.S. residents born between 1997 and 2012—is growing into its consumer power at a precarious moment. This generation’s lifelong familiarity with digital ..
Fraud Management, ClearSale in the Media, False Declines/CX, Ecommerce Strategies

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Top 3 Online Retail Fraud Methods and How to Prevent Them in 2022
Feb 14, 2022

By Rafael Lourenco

Top 3 Online Retail Fraud Methods and How to Prevent Them in 2022

Online merchants were hit with many kinds of fraud in 2021, including increases in identity fraud, account takeover (ATO), mobile fraud and more. Most of this fraud is committed..

Fraud Management, ClearSale in the Media
How to Set Cutoff Points for Automatic Approvals in Ecommerce Fraud Prevention
Feb 2, 2022

By Rafael Lourenco

How to Set Cutoff Points for Automatic Approvals in Ecommerce Fraud Prevention

For enterprise ecommerce companies, the pandemic has set in motion an online trajectory that continues to produce more orders and more revenue.

It has also increased the amount..
ClearSale Offers End-to-End Chargeback Services With ChargebackOps Acquisition
Jan 26, 2022

By Rafael Lourenco

ClearSale Offers End-to-End Chargeback Services With ChargebackOps Acquisition

Chargebacks are an increasingly big problem for ecommerce businesses, which is why ClearSale has worked so hard to help our clients prevent them in the first place.

Meanwhile,..
Chargebacks, Fraud Management, ClearSale in the Media, ClearSale Company News
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
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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
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 to..
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 brands..
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 potential..
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, more..
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 customers..

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 changes..
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 time,..
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 has..
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 for..

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 business—because..
Fraud Prevention
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