Rafael Lourenco

Author

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 under…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.

eCommerce_Fraud_–_3_Types_of_Fraud_and_How_to_Prevent_Them_Blog
podcast

eCommerce Fraud – 3 Types of Fraud and How to Prevent Them

Leading smart people to solve complex problems in dynamic environments is Rafael’s signature skill.

2 min
information_mngmnt_How_human_biases_can_skew_artificial_intelligence_tools_Blog-1
Artificial intelligence

How human biases can skew artificial intelligence tools

Imagine a scenario where you need your car’s onboard navigation system to place an emergency call, but it won’t. Or arriving extra early ...

5 min
vpnpro_Old_phone,_new_fraud__how_phone_numbers_can_raise_the_risk_of_account_takeover
Fraud Management

Old phone, new fraud: how phone numbers can raise the risk of account takeover

Fraud is always evolving in the digital age, and the latest example is account takeover (ATO) fraud.

5 min
Fashinnovation_Don’t_Let_Online_Fraud_Derail_Your_Customer_Experience
online fraud risk

Don’t Let Online Fraud Derail Your Customer Experience

Online fashion retailers can prevent fraud without harming conversion, customer experience and customer retention.

5 min
business.com

How to Create a Free Return Policy That Doesn't Hurt Your Bottom Line

Free and convenient return policies are a must for online retailers. Amazon, Zappos, and other major players set this standard years ago. ...

4 min
It_s_Not_Just_CNP_Fraud._Merchants_Must_Protect_Themselves_from_New_Cybercrime_Scams_Blog
Featured

Retailers seek protection from deceitful behavior

“What a terrible name!” exclaims Monica Eaton-Cardone, ticking off a list of online credit card and debit card fraud incidents. “With ...

7 min
It_s_Not_Just_CNP_Fraud._Merchants_Must_Protect_Themselves_from_New_Cybercrime_Scams
Fraud Management

It's Not Just CNP Fraud. Merchants Must Protect Themselves from New Cybercrime Scams

Rafael Lourenco explains three scams that every merchant should watch out for and offers tips to help you combat them.

5 min
CPO_What_AI_Can_(and_Can’t)_Do_Right_Now_to_Fight_CNP_Fraud
Fraud Management

What AI Can (and Can’t) Do Right Now to Fight CNP Fraud

AI is a powerful tool in the fight against online payment fraud. However, AI alone can’t provide all the functions merchants need to ...

5 min
Total_Retail_Do_We_Have_Enough_Data_Scientists_to_Protect_Against_E-Commerce_Fraud_
data science

Do We Have Enough Data Scientists to Protect Against E-Commerce Fraud?

The biggest e-commerce challenge of 2019 may be balancing marketing and sales channel innovation.

5 min
Brand-Impersonation_Fraud_Is_On_the_Rise_and_Can_Hurt_Your_Business
Fraud Management

Brand-Impersonation Fraud Is On the Rise and Can Hurt Your Business

Brand-impersonation attacks increased eleven-fold from 2014 to 2018. Learn how to protect your brand from impostors and maintain your ...

6 min
CSNews_EMV_Convertion_Is_Costly-1
Featured

EMV Conversion Is Costly, But Post-EMV Fraud Could Cost More

Gas station and convenience store owners have until October 2020 to make their pay-at-the-pump card readers EMV compliant, and they’ve had ...

6 min
DigitalComm360Fraud fears limit cross‑border ecommerce
Fraud Management

Fraud fears limit cross‑border ecommerce, but they don’t have to

Online shoppers around the world want to buy from U.S. retailers, but many U.S. retailers automatically reject ecommerce orders from ...

2 min