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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?

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.

How E-Commerce Merchants Can Prevent Coordinated Fraud Attacks

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..

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

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..

Fraud Screening For Retailers: Prepare For Volume Spikes

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..

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

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..

Avoiding false declines

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..

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

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.

How Will AI Work Against Insurance Fraud?

How Will AI Work Against Insurance Fraud?

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

PayThink CNP fraud is a bad gift that keeps on taking

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.

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

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..

Why penalising retailers won’t help fight fraud

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.

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Build the Career You Want with These Four Elements

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..

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

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  

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

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..

Creative Ways to Get More Mileage from Your Data

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.

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

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..

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

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..

How Effective Listening Helps Build Customer Relationships and Close Deals

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..

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

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..

How fraud prevention is costing e-commerce businesses millions

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..

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

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..

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

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...

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

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..

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

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

Take a moment to answer that question.

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