Jennifer Como | executive |
Ryan McInerney | executive |
Christopher Suh | executive |
Harshita Rawat | analyst |
Ramsey El-Assal | analyst |
Sanjay Sakhrani | analyst |
Paul Golding | analyst |
Tien-Tsin Huang | analyst |
Rayna Kumar | analyst |
Andrew Schmidt | analyst |
David Koning | analyst |
Timothy Chiodo | analyst |
Bryan Keane | analyst |
Jason Kupferberg | analyst |
Craig Maurer | analyst |
Trevor Williams | analyst |
Darrin Peller | analyst |
Welcome to Visa's Fiscal Fourth Quarter and Full Year 2024 Earnings Conference Call. [Operator Instructions] Today's conference is being recorded. [Operator Instructions] I would now like to turn the conference over to your host, Ms. Jennifer Como, Senior Vice President and Global Head of Investor Relations. Ms.