Prior to joining SAM, Lauren was Vice President of Payment Solutions with Direct Brands, Inc., one of the largest direct- to-consumer distributor of media products in the United States, which operates iconic brands such as Book of the Month Club, Doubleday, and Columbia House. She had been with Direct Brands for over 13 years and oversaw the operations and performance of the Payment Solutions and Customer Service teams. She has an extensive background in establishing and managing payment strategies to reduce bad debt. Lauren has developed several best practices for internal and external collections, fraud/loss prevention, Customer Service and credit card processing. Her experience includes launching various debt sale programs, creating first party strategies, implementing third party collection programs, and introducing new payment options.