It's not an issue to mention someone's nationality. Intent matters. That is why you don't say "he's just a black murderer from NYC" or "he's just an arab terrorist".

> Do you have perhaps have any pre-conceived ideas around that particular nationality?

No, it seems that you have. What a lame attempt to spin it around. Funny how you edited your post after people called foul, this is your original post: http://i.imgur.com/HaejrYq.png. This link you posted is amusing: http://blog.siftscience.com/2013/global-e-commerce-fraud. Those American scammers!