Polly Bauer is an internationally-recognized authority, considered by many to be the preeminent expert, on credit card operations and all forms of payment acceptance relating to internet, direct marketing and non-face-to-face payment transactions. Her pioneering work in the field of credit card fraud prevention and detection has made her a much sought after consultant by top direct response industry executives. Ms. Bauer’s focus is helping merchants and processors become payment savvy and minimize fraud and risk. A merchant advocate, she specializes in loss prevention, international expansion for credit card acceptance, and customer payment data security.Ms. Bauer is also a much sought-after keynote speaker. She excels at presenting difficult concepts in a clear and understandable way to all levels of management. One of a select few to achieve the highest level in the professional speaking industry, the Master Corporate Speaker Certification, Polly enjoys speaking about credibility in corporate communications, leading a multi-million dollar business, and profitable payments. Her previous keynotes have been for global corporations, as well as professional associations and women’s organizations.As an industry pioneer, Polly has frequented radio shows to answer caller questions on credit. The sheer volume of misinformation and misconceptions about the use of credit astounded her. She felt a need to educate today’s consumers and give them new hope. This drive to positively impact consumer’s financial security inspired Polly to co-author “The Plastic Effect: How Urban Legends Influence the Use and Misuse of Credit Cards", which won a 2013 Living Now Book Awards Gold Medal.Ms. Bauer currently serves on the Board of Directors for PaymentEd Fourm, as a Board Advisor to the CNP-Europe and as Payments Advisor and Director to multiple tech and Direct Sales organizations. She is a recipient of the 2006 Movers and Shakers Award from Transaction World Magazine.