"ma’am" But we don't use it when speaking. We usually use person's name to say smth to him/her.
If we don't know the name we can use gender but it's bad manners: "Женщина, вы не подскажете, как пройти к театру?" "Молодой человек, вы не видели здесь маленькую собачку?" "Девушка, не стойте, пожалуйста, в проходе."
There are also some more polite but archaic words for that: "сударь/сударыня", "товарищ", "господин/госпожа". The last one doesn't seem archaic when it is used together with a name: "Господин Путин", "Госпожа Воробьёва".
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