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.

Total Retail Beware of These 5 E-Commerce CNP Fraud Trends
Fraud Management

Beware of These 5 E-Commerce CNP Fraud Trends

CNP fraud is growing at 14 percent per year because fraudsters have become more sophisticated about leveraging all the stolen data that’s ...

5 min
multichannel merchant When Is Outsourced Fraud Prevention Cost Effective_
Fraud Management

When Is Outsourced Fraud Prevention Cost Effective?

Does it make more sense to handle all your fraud-screening practices in house or to outsource some or all of it? Here are some key factors ...

5 min
PaymentsSource PayThink_ Phishing is now big time. Can security keep up_
Featured

Phishing is now big time. Can security keep up?

Juniper predicts that in the area of money transfers alone, synthetic identity fraud losses will rise 20 percent year over year through ...

1 min
PaymentsSource Savvy crooks make card not present fraud a risk without end
Featured

Savvy crooks make card not present fraud a risk without end

Why is CNP fraud growing so fast? It’s no longer a matter of post-EMV migration from POS to online fraud. What we’re seeing now is brazen, ...

2 min
VentureBeat - Could hackers trick voice assistants into committing fraud_ Researchers say yes.
Featured

Could hackers trick voice assistants into committing fraud? Researchers say yes.

Voice assistant technology is supposed to make our lives easier, but security experts say it comes with some uniquely invasive risks.

2 min
How Should E-Commerce Merchants Fight Back Against CNP Fraud_
Featured

How Should E-Commerce Merchants Fight Back Against CNP Fraud?

The latest fraud news is not great for merchants who sell in card-not-present (CNP) environments. But merchants can protect themselves, if ...

3 min
cpo Account Takeover Fraud Is the New Normal … You Can Fight It Without Losing Good Customers
Featured

Account Takeover Fraud - You Can Fight It Without Losing Good Customers

Here’s what merchants need to know to fight takeover attacks without declining good orders.

2 min
The growth of mobile POS and preventing fraud
Featured

ClearSale talks about the growth of mobile POS and preventing fraud

By taking precautions to protect your mPOS devices, your business can safely sell at more locations for a comparatively low cost while ...

3 min
How AI That Passes the Turing Test Can Benefit Your Business
Featured

How AI That Passes the Turing Test Can Benefit Your Business

While voice AI tools could make it easier for businesses to stop credit card fraud, this new technology could also present new risks.

4 min
Why low‑tech fraud Is still a problem in the digital age
Featured

Why low‑tech fraud Is still a problem in the digital age

Here are three examples of fraud schemes that don’t require sophisticated cyberskills.

2 min
Why is the auto parts industry an increasingly target for CNP fraud_
Featured

Why is the auto parts industry an increasingly target for CNP fraud?

There’s a lot of opportunity in online auto parts retail now, but it’s also accompanied by a rising fraud risk.

3 min
AI Won't Run the Business World_ Why We Still Need Human Intelligence
Featured

AI Won't Run the Business World: Why We Still Need Human Intelligence

Artificial intelligence and automation are seeing wider adoption than ever, but there are still limitations to how these new technologies ...

3 min