Polly A. Bauer, CPCS, CME, is an internationally recognized credit-card authority, business consultant and professional speaker. Polly is considered by many to be "the" preeminent expert on global credit card payment operations and one of the "go-to" credit card consultants. She has more than 30 years of credit card experience in both consumer credit and domestic and global payments. A merchant advocate, she specializes in loss prevention, international expansion for credit card acceptance, and customer payment data security. Ms. Bauer currently serves as a member of the Board of Directors for Direct Response Forum, Board Advisor to the CNP-Europe and serves as Payments Advisor and Director to multiple technology and Direct Sales organizations. She was also a recipient of the 2006 Movers and Shakers Award from Transaction World Magazine.Visit Polly online at: www.speakerpollybauer.com.