Brad Windbigler | Head of Treasury & IR |
Devin McGranahan | CEO |
Raj Agarwal | CFO |
Tien Tsin Huang | JP Morgan |
Darrin Peller | Wolfe Research |
Vasu Govil | KBW |
Ashwin Shirvaikar | Citi |
Ken Suchoski | Autonomous |
David Togut | Evercore ISI |
Cassie Chan | Bank of America |
Jenny Friedman | Susquehanna |
Good day, and welcome to the Western Union Fourth Quarter and Full Year 2021 Results Conference Call. All participants will be in listen-only mode. [Operator Instructions] Please note that this event is being recorded. I would now like to turn the conference over to Brad Windbigler, Head of Treasury and Investor Relations. Brad, please go ahead.