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.

Chargebacks

PCI DSS 4.0 is Here. What Does It Mean for Online Retailers?

The most recent PCI-DSS update is approaching. Here’s what your online brand needs to know about what’s different in PCI DSS 4.0 and how to ...

5 min
building-a-foundation-for-cross-border-growth
Fraud Management

Cross-Border Ecommerce Is Booming. Does Your Website Get It Right?

Recent data shows that consumers are increasingly comfortable buying from websites overseas, expanding opportunities for retailers and ...

5 min
payment-methods-not-stacking-up-heres-what-to-change
Payments

How Payments Are Evolving in an Uncertain Economy

Economic uncertainty has consumers seeking ways to spend smarter. Businesses are responding with payment innovations.

6 min
Chargebacks

What holiday fraud data can tell you about ecommerce risk level now

Conducting a post-holiday chargeback review can help you set the stage for more profitable, less stressful holiday sales seasons to come.

6 min
Fraud Management

What Ongoing Supply Chain Disruption Means for Retail Cybersecurity

Retailers need to take steps to protect their data and customers from potentially costly cyber attacks that exploit disruptions in the ...

6 min
ClearSale in the Media

It’s Time to Take a Fresh Look at Your Marketplace Retail Strategy

Many B2C marketplaces have moved beyond the giant-inventory model into niches and curated spaces with better branding opportunities for ...

6 min
benefits-challenges-of-ai-generated-chatbots
ClearSale in the Media

How Intelligent Should Your Customer Service Chatbot Be?

Generative AI has made impressive strides in conversations and content creation–but do the potential rewards outweigh the risks of a ...

6 min
Fraud Management

How to slam the brakes on account takeover fraud

Brands can change the ROI of ATO attacks by creating multiple layers of protection that require too much time, effort, and investment for ...

6 min
Fraud Management

CX and Security Best Practices to Meet Customer Expectations in 2023

As consumers get more selective and cautious about spending, CX and brand reputation will matter more than ever for retention and revenue.

6 min
Fraud Management

As Customer Acquisition Costs Rise, Anti-Fraud Strategies Can Help

Strengthening fraud and false decline prevention can increase customer lifetime value and reduce customer acquisition costs.

6 min
ClearSale in the Media

Giving Shoppers What They Really Want from the Metaverse

The metaverse is a hot topic for retailers and brands, but what matters most is the experience your customers want.

6 min
Fraud Management

Why a Zero-Fraud Approach Problem Won’t Work

The promise of zero fraud sounds good, but is it realistic? Find out why balancing fraud and false declines is a better strategy.

7 min