Cleber Martins

Head of Payments Intelligence & Risk Solutions at ACI Worldwide

Cleber Martins joined ACI Worldwide in 2001 and has 20 years of experience in implementing industry-leading enterprise fraud prevention solutions and anti-money laundering strategies. Cleber’s enthusiasm for driving innovation in fraud prevention stems from the pride he takes in protecting both his banking customers, and the people and communities they serve. Throughout his career Cleber has been at the forefront of the evolution of machine learning: from a focus on inputting human experience into machines, to its modern form that empowers fraud experts to combine their real intelligence with AI. Cleber calls this trend toward business users wielding new models, the democratization of machine learning. Cleber’s key areas of expertise include helping payments leaders to develop multi-faceted fraud prevention strategies that combat modern threats, as well as creating actionable intelligence in payments data, and the evolution of fraud prevention into a Customer Experience differentiator for organizations.

Articles by Cleber Martins

Cityscape Against Clear Sky And Light Trails At Night


October 27, 2021

Four Reasons Banks and Financial Institutions Should Fight Fraud in Real Time

Financial crime and fraud are recurrent problems for banks and intermediaries, causing losses worth billions every year – and these sums are only increasing. It is predicted that the global cost of fraud by 2027 will be USD $40.62 billion dollars, 25 percent higher than the fraud losses in 2020.



October 6, 2021

Where Payments Move Freely, Fraud Moves Fast: How to Clamp Down on Real-Time Fraud

Two steps forward and one step back? During the pandemic, real-time payments evolved faster than anybody had foreseen. Implementation in new markets, and adoption in mature markets, continues to rise exponentially. All corners of the financial landscape are adopting these changes.

Metro in motion


August 13, 2021

How Will Accelerated Adoption of Digital, Real-Time Payments in the U.S. and Beyond Lead to More Fraud?

The payments industry is brimming with experts voicing the predication that the future is digital and real-time. Rooted in consumers’ growing desire for convenience and waning patience, rising demand for digital and real-time payments is inevitable.


June 18, 2020

Three Must-Haves for Immediate Payments Success in Brazil

Read this blog post in Portuguese Recently, the Central Bank of Brazil (BCB) announced its plan to launch the country’s first instant payments scheme, PIX, which is expected to be operational by November 2020. PIX will be mandatory for all larger banks in Brazil and will work as a central infrastructure with non-stop availability. The scheme will also be based on the ISO 20022 messaging standard, which features data-rich messaging and facilitates greater availability, speed, convenience and security. Ultimately, this open environment will be a major catalyst for innovation.


May 21, 2019

Why Banks Must Democratize Machine Learning for Fraud Prevention and Payments Intelligence

Banks are already actively on the path to digital transformation, considering new technologies, new customer experiences and new business models. A critical piece of this digital transformation centers on better understanding the wealth of data within the banks’ systems and mining it for improved customer insight. In the New Payments Ecosystem, data is as valuable to the bank and its customers as the deposits held in their accounts, and it should be protected, and leveraged for the benefit of the customer.

A usb drive wrapped in a dollar bill


August 28, 2010

Understanding Today’s Wire Transfer Risks

While the rise of wire transfer and ACH (automated clearing houses) fraud is not news, the pure acceleration rate, scale and sophistication of corporate wire and ACH fraud is alarming. For example, the FBI recently took the step of issuing a cyber security advisory in response to the growth of unauthorized and fraudulent multi-million dollar wire transfers from business and government entities to overseas locations.

Prime Time for Real-Time

Global Payment Trends
As the world adopts real-time payments, how does your market stand to benefit?