Mike Gallentine | Vice President-Investor Relations |
Bob Lisy | Chairman, Chief Executive Officer and President |
Andras Bende | Chief Financial Officer |
Chris Hunt | Acting Chief Operating Officer |
Randy Nilsen | Chief Revenue Officer |
Mike Grondahl | Northland Securities |
David Scharf | JMP |
Alex Markgraff | KeyBanc Capital Markets |
Chris Young | Credit Suisse |
Good morning, and welcome to the International Money Express, Inc. Fourth Quarter and Full Year 2022 Earnings Conference Call. All participants will be in a listen-only mode. [Operator Instructions] After today's presentation, there will be an opportunity to ask questions. [Operator Instructions] Please note, this event is being recorded.