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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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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, E-Commerce Strategies, ClearSale in the Media, False Declines/CX
Top 7 Ecommerce Trends for 2021 to Watch
Feb 2, 2021

By Rafael Lourenco

Top 7 Ecommerce Trends for 2021 to Watch

While we’re not quite sure what 2021 will bring (it could be normalcy ... or it could be utter chaos), ecommerce is expected to continue its meteoric rise. Shoppers will..
Chargebacks, Payments, Fraud Management, E-Commerce Strategies, False Declines/CX
A Two-Tiered Approach to Fraud Prevention Can Help Online Businesses Boost Sales
Jan 22, 2021

By Rafael Lourenco

A Two-Tiered Approach to Fraud Prevention Can Help Online Businesses Boost Sales

Every online merchant understands the financial harm that fraud can do, including chargeback fees, higher payment processing rates, lost product, and other costs like shipping,..
False Declines, ClearSale in the Media
Analyze Your Holiday 2020 Fraud Data Now to Prep For Holiday 2021
Jan 20, 2021

By Rafael Lourenco

Analyze Your Holiday 2020 Fraud Data Now to Prep For Holiday 2021

With the 2020 winter holidays in the books, ecommerce merchants are planning for the 2021 holiday sales season. That planning should include a review of your store’s 2020..
Fraud Management, ClearSale in the Media
Retailers Need to Fully Accept Mobile Device Shopping in 2021
Jan 5, 2021

By Rafael Lourenco

Retailers Need to Fully Accept Mobile Device Shopping in 2021

Retailers need to turn the disruption caused by the pandemic into an opportunity, and this opportunity exists online, explains a leading analyst. Retailers need to identify and..
Fraud Management, ClearSale in the Media, Ecommerce Strategies
Five Ways to Master Digital Transformation in 2021
Jan 4, 2021

By Rafael Lourenco

Five Ways to Master Digital Transformation in 2021

The retail landscape was already changing rapidly, thanks to a digital revolution that has changed how we work, shop, and live. Add in a global pandemic, and you have a massive..
Fraud Management, E-Commerce Strategies

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Alternative Payment Methods for Ecommerce Stores
Dec 28, 2020

By Rafael Lourenco

Alternative Payment Methods for Ecommerce Stores

As consumers make more purchases online, they expect their transactions to be quick, convenient, and contactless, especially when it comes to payment. The last thing you want..
Payments, Ecommerce Strategies
Luxury Retailers: Are You Ready For the Holidays?
Dec 18, 2020

By Rafael Lourenco

Luxury Retailers: Are You Ready For the Holidays?

This has been a year of whiplash for luxury retail, with growth projections replaced by dire forecasts of double-digit decreases in sales. Will the holiday season be any..
Fraud Management, E-Commerce Strategies, ClearSale in the Media
How Can E-commerce Merchants Cut Through the Hype to Find Reliable SaaS Providers?
Dec 8, 2020

By Rafael Lourenco

How Can E-commerce Merchants Cut Through the Hype to Find Reliable SaaS Providers?

Over the last few years, the number of startups and solution providers in the technology space has been growing to handle everything from social media marketing and customer..
E-Commerce Strategies, ClearSale in the Media, General Business Strategies
Looking for your next big cross-border market? New study shows Mexico is the up and coming ecommerce hotspot
Nov 30, 2020

By Rafael Lourenco

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

For U.S.-based ecommerce 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
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
Knowledge-Base
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
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
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
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
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..
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
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
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
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