Rafael Lourenco is executive vice president and partner at ClearSale, a global card-not-present fraud protection operation that helps retailers increase sales and eliminate charge-backs before they happen. The company’s proprietary technology and in-house staff of seasoned analysts provide an end-to-end outsourced fraud detection solution for online retailers to achieve industry-high approval rates while virtually eliminating false positives. Follow on LinkedIn, Facebook, Instagram or Twitter @ClearSaleUS.