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 Returns: Cost Center or Competitive Advantage?
Fraud Management

Ecommerce Returns: Cost Center or Competitive Advantage?

Returns can create extra costs for retailers and hassles for customers. Here’s how to improve the ecommerce returns experience.

4 min
Does Your Store Offer the Fraud Protection and Customer Experience Gen Z Shoppers Need?
Fraud Management

Does Your Store Offer the Fraud Protection and Customer Experience Gen Z Shoppers Need?

Gen Z consumers face high rates of online payment fraud and false declines. Here’s how merchants can earn their trust and loyalty.

5 min
Top 3 Online Retail Fraud Methods and How to Prevent Them in 2022
Fraud Management

Top 3 Online Retail Fraud Methods and How to Prevent Them in 2022

Ecommerce fraud grew during 2021 and took some new forms. Here’s what retailers should watch out for in 2022.

6 min
Shopping box relating to Automatic Approvals in Ecommerce Fraud Prevention

How to Set Cutoff Points for Automatic Approvals in Ecommerce Fraud Prevention

Which orders should receive automatic approvals – or secondary review? Learn how to optimize your automatic approvals in ecommerce.

9 min
ClearSale Offers End-to-End Chargeback Services With ChargebackOps Acquisition
Chargebacks

ClearSale Offers End-to-End Chargeback Services With ChargebackOps Acquisition

ClearSale acquiring ChargebackOps means a seamless end-to-end solution for your ecommerce business. Learn more about the recent acquisition ...

9 min
Merchant Fraud Journal - These Main Order Variables Indicate Fraud-But How Can We Tell Fraud From Good Customer Behavior?
Fraud Management

These Main Order Variables Indicate Fraud-But How Can We Tell Fraud From Good Customer Behavior?

Main order variable changes can now indicate ecommerce fraud--or normal orders. Here's how merchants can tell the difference.

5 min
The High Street’s Gone Digital: UK Businesses Are Changing Priorities For Safety
Fraud Management

The High Street’s Gone Digital: UK Businesses Are Changing Priorities For Safety

Security is a top priority for UK shoppers, and stores that focus on keeping data safe and secure will reap the rewards that come with this ...

6 min
Payments Journal - Transaction Screening Optimization: The Perpetual Balancing Act of Fraud Risk, Customer Behavior and Consumer Expectations
Fraud Management

Transaction Screening Optimization: The Perpetual Balancing Act of Fraud Risk, Customer Behavior and Consumer Expectations

Finding the right balance between automated order approvals and manual order review is a major fraud control challenge. Here’s how to ...

5 min
CNP - Digital Wallet Chargeback Policies Have Changed: What You Need to Know
Chargebacks

Digital Wallet Chargeback Policies Have Changed: What You Need to Know

As eCommerce fraud rises, merchants need to know how digital wallet disputes differ from credit card chargebacks.

6 min
The Art (and Math) of Balancing CX With Fraud Prevention
Fraud Management

The Art (and Math) of Balancing CX With Fraud Prevention

How can ecommerce merchants control fraud, maximize revenue and keep customers happy? Use expected loss to optimize order screening.

6 min
How backtesting helps merchants find their ideal fraud prevention solution
Chargebacks

How backtesting helps merchants find their ideal fraud prevention solution

How can merchants find the right fraud prevention solution for their business model? Backtesting can identify the best options.

5 min
Checkout Checklist: How to Stop Cart Abandonment From Costing Sales
Payments

Checkout Checklist: How to Stop Cart Abandonment From Costing Sales

Does your online store’s checkout make it easy for customers to buy or drive them away? Here’s how to get checkout CX right.

6 min