Kathryn Miller | SVP, IR |
Brian Doubles | President, CEO & Director |
Brian Wenzel | EVP & CFO |
Moshe Orenbuch | Credit Suisse |
Ryan Nash | Goldman Sachs |
Donald Fandetti | Wells Fargo |
Sanjay Sakhrani | KBW |
Erika Najarian | UBS |
Arren Cyganovich | Citigroup |
Betsy Graseck | Morgan Stanley |
Kevin Barker | Piper Sandler |
John Hecht | Jefferies |
Richard Shane | JPMorgan |
Good morning, and welcome to the Synchrony Financial Fourth Quarter 2022 Earnings Conference Call. Please refer to the company's Investor Relations website for access to their earnings materials. Please be advised that today's conference call is being recorded. [Operator Instructions]
I will now turn the call over to Kathryn Miller, Senior Vice President of Investor Relations.