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

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..

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

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..

What to Consider When Assessing the Cost of Fraud Protection

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.

CIOs need to create teams of cybersecurity experts

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 ..

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

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..

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

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.

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E-Bikes Industry Statistics and Insights in 2020

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..

E-Commerce Fraud Trends & Tips: Argentina

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..

Why MOTO Transactions Have an Increased Fraud Risk

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..

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

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..

COVID-19's Complicated Impact on E-Commerce: How to Deal with the Fallout and Adapt to the New Normal

COVID-19's Complicated Impact on E-Commerce: How to Deal with the Fallout and Adapt to the New Normal

How has the coronavirus pandemic affected e-commerce? It’s complicated. Even as more people shop online from the safety of home, some e-commerce categories are struggling. For..

Knowledge-Base
Protect yourself from COVID-19’s new scams surge

Protect yourself from COVID-19’s new scams surge

Don’t take the bait from a fresh wave of COVID-19 scams as fraudsters try old and new tricks to steal your hard-earned money.

How the abrupt shift to remote work could start a wave of account takeover fraud

How the abrupt shift to remote work could start a wave of account takeover fraud

Lockdowns and stay-at-home orders around the world have forced businesses to rapidly move to remote work arrangements for safety. Now we’re seeing a wave of attacks by..

SIM Swapping: How to Protect Against This Emerging Scam

SIM Swapping: How to Protect Against This Emerging Scam

As smart technology gets smarter, so do fraudsters.

Is Your CNP Fraud-Detection System Confused by Consumer Behavior Now? That Could Damage Your Business

Is Your CNP Fraud-Detection System Confused by Consumer Behavior Now? That Could Damage Your Business

The COVID-19 pandemic has transformed how consumers behave. These changes could be causing a spike in good orders mistaken for fraud, creating irreparable damage for businesses.

ClearSale’s Rafael Lourenco on the impact of COVID-19 on ecommerce

ClearSale’s Rafael Lourenco on the impact of COVID-19 on ecommerce

Rafael Lourenco, the Executive Vice President and Partner at ClearSale, a card-not-present fraud prevention operation that helps retailers increase sales and eliminate..

How Holiday-Season Fraud Can Hurt Your Chargeback Ratio in the New Year

How Holiday-Season Fraud Can Hurt Your Chargeback Ratio in the New Year

Many merchants spend the whole year preparing for winter holiday sales peaks. Now, sellers must focus on adapting to immediate changes brought on by the pandemic. However, it’s..

The 13 Fraud KPIs E-Commerce Merchants Need to Know

The 13 Fraud KPIs E-Commerce Merchants Need to Know

When you’re doing business online, it can be hard to know if your fraud prevention solution is doing what you need it to.

CLEARSALE ON ECOMMERCE FRAUD & COVID-19

CLEARSALE ON ECOMMERCE FRAUD & COVID-19

The world is living through troubled times as it battles COVID-19. We sat down with Rafael Lourenco, EVP at Clearsale, to talk about how merchants can protect themselves from..

Why M&A Due Diligence Should Include Cybersecurity and Fraud Prevention

Why M&A Due Diligence Should Include Cybersecurity and Fraud Prevention

Think of due diligence for mergers and acquisitions covers and you probably think about reviewing the books, assets, customer base and contracts of the target company. You may..

Interview with a ClearSale Fraud Analyst - Antonio Gonzalez

Interview with a ClearSale Fraud Analyst - Antonio Gonzalez

ClearSale Fraud Analyst Antonio Gonzalez helps e-commerce merchants around the world prevent e-commerce fraud, recover their losses and improve their customer experience by..

PSD2: What to Expect in 2020

PSD2: What to Expect in 2020

Updating Payment Services Directive (PSD) 1, a nearly 20-year-old protocol, has not been easy. A lot has changed in the last two decades— including the introduction of..

ClearSale ranked No. 14 on Inc. 5000 Series: Florida List

ClearSale ranked No. 14 on Inc. 5000 Series: Florida List

Global fraud protection pioneers, ClearSale (https://clear.sale), today announced that it has been ranked No. 14 on Inc. magazines inaugural Inc. 5000 Series: Florida list, the..

4 Reasons to Move Your Brick-and-Mortar Business Online

4 Reasons to Move Your Brick-and-Mortar Business Online

Shoppers’ ways of purchasing products and services have changed dramatically in the past few months of 2020. With 52% of consumers avoiding crowds and 32% staying home more..

Report: False Declines Lead to More Losses than Fraud

Report: False Declines Lead to More Losses than Fraud

Losses due to e-commerce fraud are projected to reach $6.4 billion by 2021, according to a new report from Aite Group and sponsored by ClearSale. But losses due to false..

As coronavirus spreads, so do fraud and scams. Here's what to do.

As coronavirus spreads, so do fraud and scams. Here's what to do.

Fraudsters are targeting shoppers, businesses, government agencies and financial institutions with a wave of scams. Fraudsters craft these schemes to snare victims by..

Your E-Commerce Data Security Checklist for 2020

Your E-Commerce Data Security Checklist for 2020

To protect your business from hackers and data theft – and to keep the customer trust you've worked hard to earn – make sure your company follows these 10 data security best..

Covid-19: Enhancing Online Customer Experience While Fighting Fraud

Covid-19: Enhancing Online Customer Experience While Fighting Fraud

There is already a lot of data that reveals that the coronavirus pandemic is impacting online shopping behavior. According to data from Adobe Analytics, which monitors the ..

Why and How to Build Cybersecurity Into Your Company Culture

Why and How to Build Cybersecurity Into Your Company Culture

Data breaches are a growing problem for retailers. Learn how you can build cybersecurity awareness into your business's culture.

At least 61% of retailers were the victim of..

Drop Shipping Merchants Face Special Fraud Risks. Here’s How to Fight Back

Drop Shipping Merchants Face Special Fraud Risks. Here’s How to Fight Back

Drop shipping is a growing trend in e-commerce. It’s driven by the rising cost of warehouse space and the freedom it gives small merchants from managing inventory, logistics..

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