Stacey Finerman | executive |
Simon Khalaf | executive |
Mike Milotich | executive |
Tien-Tsin Huang | analyst |
Timothy Chiodo | analyst |
Darrin Peller | analyst |
Ramsey El-Assal | analyst |
Sanjay Sakhrani | analyst |
Ashwin Shirvaikar | analyst |
Bryan Keane | analyst |
Cristopher Kennedy | analyst |
Meryl Thomas | analyst |
Good afternoon, ladies and gentlemen, and thank you for standing by. Welcome to the Marqeta Third Quarter 2023 Earnings Conference Call. [Operator Instructions] As a reminder, this conference call is being recorded. I'd now like to turn the call over to Stacey Finerman, Vice President of Investor Relations. Thank you.