Our Company
and Our Culture

Graduated in Statistics at the State University of Campinas (also called UNICAMP), with MBA in Business Management at FIA Business School, worked for about 10 years in some of the biggest Brazilian retail companies, such as C&A, Pão de Açúcar and Riachuelo, structuring analytical areas with focus to apply strategies in several areas of knowledge.

Has experience as Product, Marketing and Analytics Executive Director at Minuto Seguros, a digital startup known as one of the biggest insurtechs in Brazil. He was one of the main ones responsible for the company's accelerated growth process, actively participating in strategic decisions. He also was the Sales and Marketing Director at Dafiti, in charge of all the investment and Sales of Performance Marketing.

With more than three years of experience at ClearSale, he currently occupies the position of CFO in the company, which is referenced in data intelligence with multiple solutions for different markets. He is responsible for the Operations, Analytics IT, Products, Open Innovation, Customer Success and Data teams.

He also works as Professor at FIA, teaching classes of MBA and graduate courses about topics related to Data Analysis, Statistics, Business Intelligence, Big Data and ROI Marketing. He describes himself as a true agility lover and believes that the implementation of those processes changes the history of a company since the teams can become multi-disciplinary, trust in their process and journeys, and tend to focus more on the results.

Bernardo draws on his background in statistics and his love of problem-solving to create an industry-changing fraud management process based on statistics, IT, and human capital.

Since Bernardo joined ClearSale in 2004, the company has grown from a small start-up to the dominant CNP fraud-management provider in one of the world’s largest economies.

Bernardo’s passion for data-driven problem-solving drives his work as ClearSale’s President and his other professional contributions. The Endeavor Global organization in New York named Bernardo a high-impact international entrepreneur in 2011.

Bernardo holds an Executive Program degree from Stanford Graduate School of business, and degrees from three of Brazil’s top 10 universities: a Ph.D. in Business Management from FGV, a Master of Economics degree from UCB-DF, and a degree in statistics from UNICAMP.

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

As ClearSale’s VP of US Operations, 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.

During his nearly 10 years with the company, Rafael has 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 2000 employees.

Rafael has a distinguished academic background. He earned his master's degree in economics and finance at FGV-SP (Fundação Getúlio Vargas-São Paulo), and he holds a bachelor's degree with great distinction in statistics from UNICAMP, internationally recognized as one of the top universities in Brazil and the world.