Eric Wasserstrom | Head of IR |
Roger Hochschild | CEO |
John Greene | CFO |
Bill Carcache | Wolfe Research |
Sanjay Sakhrani | KBW |
Moshe Orenbuch | Credit Suisse |
Betsy Graseck | Morgan Stanley |
John Pancari | Evercore ISI |
Ryan Nash | Goldman Sachs |
Mark DeVries | Barclays |
Kevin Barker | Piper Sandler |
Don Fandetti | Wells Fargo |
Rick Shane | JPMorgan |
Robert Napoli | William Blair |
Mihir Bhatia | Bank of America Merrill Lynch |
John Hecht | Jefferies |
Meng Jiao | Deutsche Bank |
Good morning. My name is Ashley, and I'll be your conference operator today. At this time, I would like to welcome everyone to the First Quarter 2022 Discover Financial Services Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers’ remarks, there will be a question-and-answer session.