Susan Adams Loyd is chief executive officer of Better Business Bureau serving Minnesota & North Dakota. Loyd is regarded as an expert in ethical business practices, customer service strategies and consumer protection. She is passionate about educating buyers to be astute in their purchasing decisions and particularly in protecting themselves from fraud and deception. She is a frequent contributor to the media and panel discussions on factors that make certain consumers more at-risk. In her series “The Capable Consumer,” she teaches empowering techniques and practical tips to safeguard one's identity and financial assets and to bolster acumen in knowing who to trust, especially in this online world.