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    Rafael Lourenco

    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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    Can AI Solve Health Insurance Fraud?
    Feb 25, 2020

    By Rafael Lourenco

    Can AI Solve Health Insurance Fraud?

    An AI technique called group analysis, used to detect e-commerce fraud, holds great promise for catching fraud rings sooner rather than later.

    ClearSale in the Media
    How E-Commerce Merchants Can Prevent Coordinated Fraud Attacks
    Jan 29, 2020

    By Rafael Lourenco

    How E-Commerce Merchants Can Prevent Coordinated Fraud Attacks

    Learn how e-commerce merchants can fight fraud using a type of data analytics called group analysis.

    E-commerce fraud has always been a problem, and the solution has always..

    ClearSale in the Media
    Card-Not-Present Fraud Prevention Checklist for E-Commerce Businesses
    Jan 28, 2020

    By Rafael Lourenco

    Card-Not-Present Fraud Prevention Checklist for E-Commerce Businesses

    Fraud is on the rise for card-not-present transactions, which especially impacts e-commerce companies. Here's a checklist to prevent fraud and save your business time, money..

    ClearSale in the Media
    Fraud Screening For Retailers: Prepare For Volume Spikes
    Jan 24, 2020

    By Rafael Lourenco

    Fraud Screening For Retailers: Prepare For Volume Spikes

    Retailers spend all year getting their product selection, inventory, logistics and marketing ready for year-end peak sales seasons, but they often don’t adjust their fraud..

    ClearSale in the Media
    Influencer Insights: Can Dynamic Card Verification Values Stop CNP Fraud?
    Jan 16, 2020

    By Rafael Lourenco

    Influencer Insights: Can Dynamic Card Verification Values Stop CNP Fraud?

    Authenticating customers is one of the biggest fraud-fighting challenges for merchants. It gets tougher with every data breach, as stolen card data floods the criminal..

    News, featured
    Avoiding false declines
    Jan 14, 2020

    By Rafael Lourenco

    Avoiding false declines

    Merchants, what worries you more, getting ripped off by fraud or offending your customers? If you said fraud, that’s reasonable. Organized criminals using stolen carddata and..

    False Declines, featured, fraud risk, 2FA

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    Why gift card fraud is growing—and why the scammers are so hard to fight
    Jan 10, 2020

    By Rafael Lourenco

    Why gift card fraud is growing—and why the scammers are so hard to fight

    Some of the things that make gift cards so popular with consumers and retailers also make them appealing to everyday scammers and organized criminals.

    News, gift card fraud
    How Will AI Work Against Insurance Fraud?
    Jan 8, 2020

    By Rafael Lourenco

    How Will AI Work Against Insurance Fraud?

    Learn how the AI tech that detects e-commerce fraud can combat insurance fraud as well.

    Insurance scams cost the U.S. economy tens of billions of dollars each year. Now,..

    News, e-commerce fraud, business.com, A.I., Insurance Fraud
    PayThink CNP fraud is a bad gift that keeps on taking
    Dec 11, 2019

    By Rafael Lourenco

    PayThink CNP fraud is a bad gift that keeps on taking

    Fighting card-not-present (CNP) fraud is an eternal challenge for merchants, and it's a problem that will continue in the next year.

    News, credit card fraud, cnp fraud, fraud prevention specialists
    Demand For Data Scientists Far Exceeds Supply. Here’s How Your Company Can Cope
    Dec 5, 2019

    By Rafael Lourenco

    Demand For Data Scientists Far Exceeds Supply. Here’s How Your Company Can Cope

    Data Science is described as “the career of the future,” but finding Data Scientists for your company could be a major challenge. Here is how you could find one for your..

    News, data science, career of the future, Data Scientist Professional
    Why penalising retailers won’t help fight fraud
    Dec 3, 2019

    By Rafael Lourenco

    Why penalising retailers won’t help fight fraud

    Australia has finally got serious on its $478 million fight against credit card fraud. But the new regulations may not be the best outcome for those worst affected: retailers.

    News, credit card fraud, fraud-prevention teams, fraud against online retailers
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    Build the Career You Want with These Four Elements
    Nov 25, 2019

    By Rafael Lourenco

    Build the Career You Want with These Four Elements

    Meaningful work matters so much that many people would earn less to do it. Almost half of Canadian Millennials and 90 percent of Americans in recent surveys said they’d choose..

    News, careerbuild, Mastering Skills
    AfterPay’s perk that could give them an edge in fintech
    Nov 22, 2019

    By Rafael Lourenco

    AfterPay’s perk that could give them an edge in fintech

    While AfterPay might still ruffle some feathers, when it comes to fraud risk, it really is sticking out its neck out for the little guy, argues ClearSale’s Rafael Lourenco  

    News, fraud risk, credit card transaction, AfterPay
    Are your trusted holiday season customers who they say they are?
    Nov 16, 2019

    By Rafael Lourenco

    Are your trusted holiday season customers who they say they are?

    Criminals increasingly take over the retail accounts of legitimate consumers or use stolen identity data to create phony accounts that they use to commit fraud against online..

    News, fraud-prevention teams, holiday season, fraud against online retailers
    Creative Ways to Get More Mileage from Your Data
    Nov 1, 2019

    By Rafael Lourenco

    Creative Ways to Get More Mileage from Your Data

    Use analytics to your advantage to support your HR department, sales and marketing teams, team managers and ultimately your customers.

    News, e-commerce data, google analytics, big data
    CONSUMER DATA MIGHT BE THE NEW OIL, WHO GETS TO DECIDE HOW IT’S USED?
    Oct 25, 2019

    By Rafael Lourenco

    CONSUMER DATA MIGHT BE THE NEW OIL, WHO GETS TO DECIDE HOW IT’S USED?

    From the Cambridge Analytica scandal to GDPR and data breach headlines, the idea that consumers should know how their data is used is gaining traction with governments and..

    featured, consumer data, ClearSale in the Media, General Business Strategies
    Attitude or skill? Which matters more for hiring and talent development?
    Oct 22, 2019

    By Rafael Lourenco

    Attitude or skill? Which matters more for hiring and talent development?

    “Hire for attitude, train for skill.” That approach is a must in industries with a shortage of skilled candidates, like mechanical trades, cybersecurity and startups that rely..

    business culture, attitude, skills, industries, General Business Strategies
    How Effective Listening Helps Build Customer Relationships and Close Deals
    Oct 18, 2019

    By Rafael Lourenco

    How Effective Listening Helps Build Customer Relationships and Close Deals

    When you work for a B2B company, it’s easy to assume that your customers and colleagues make their decisions based only on ROI and other data. However, the higher you move in..

    News, b2b company, business deals, Customer Relationships, ClearSale in the Media, General Business Strategies
    How Safe Is Your Online Store's Mobile Channel From These Types of Fraud?
    Oct 16, 2019

    By Rafael Lourenco

    How Safe Is Your Online Store's Mobile Channel From These Types of Fraud?

    For brands to succeed in the mobile channel, they must provide a secure shopping experience for customers.

    Everybody loves m-commerce. Customers can shop whenever it's..

    Fraud Management, Customer Experience, mobile commerce, mobile 2020, succeed brands
    How fraud prevention is costing e-commerce businesses millions
    Oct 11, 2019

    By Rafael Lourenco

    How fraud prevention is costing e-commerce businesses millions

    According to a new report by Aite Group, merchant losses to e-commerce fraud are projected to grow to $6.4 billion by 2021. Fraud is a persistent and increasingly sophisticated..

    Fraud Management, finextra, businesses millions, customer satisfaction, fraud prevention costing
    How to Manage Your Company’s “Growing Pains” When It’s Growing Fast
    Oct 7, 2019

    By Rafael Lourenco

    How to Manage Your Company’s “Growing Pains” When It’s Growing Fast

    Growth is the main goal for many startups, but managing that growth well is a big challenge. How do you keep your company organized, focused, and culturally coherent even..

    News, featured, small businesses, business growth, E-Commerce Strategies, ClearSale in the Media
    Yes, Your Company Can Hold on to Its Culture During Rapid Growth
    Oct 3, 2019

    By Rafael Lourenco

    Yes, Your Company Can Hold on to Its Culture During Rapid Growth

    Having a healthy company culture is a vital aspect to a company’s success. However, a company’s culture can get lost in the shuffle when it is in the midst of rapid growth...

    business growth, company culture, business culture
    New Webinar: Balancing False Declines and E-Commerce Fraud Prevention
    Sep 24, 2019

    By Rafael Lourenco

    New Webinar: Balancing False Declines and E-Commerce Fraud Prevention

    Today’s online consumers have high expectations – and number one among those expectations are fast, easy and safe checkout experiences. Every e-commerce merchant wants to..

    False Declines, webinars, Fraud Management, fraud prevention solutions, e-commerce fraud protetion
    What’s the most important piece of advice for online retailers in 2019?
    Sep 6, 2019

    By Rafael Lourenco

    What’s the most important piece of advice for online retailers in 2019?

    Take a moment to answer that question.

    ecommerce business, online store, online advice, online retailers, E-Commerce Strategies
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