Nathan Rutledge | Head, IR |
Jack Remondi | President & CEO |
Joe Fisher | Executive VP & CFO |
Mark DeVries | Barclays |
Moshe Orenbuch | Credit Suisse |
Bill Ryan | Seaport Research |
Rick Shane | JP Morgan |
Giuliano Bologna | Compass Point |
John Hecht | Jefferies |
Good day and thank you for standing by. Welcome to the Navient’s first quarter 2022 earnings call. At this time all participants are in listen only mode. [Operator Instructions] I would now like to hand the conference over to our speaker today. Mr.