Stephen Shulstein | VP of IR |
Matthew Oppenheimer | Co-Founder & CEO |
Hemanth Munipalli | CFO |
Tien-Tsin Huang | JP Morgan |
Andrew Schmidt | Citi |
Ramsey El-Assal | Barclays |
Robert Napoli | William Blair |
William Nance | Goldman Sachs |
Alexander Markgraff | KeyBanc Capital Markets |
Good day, and thank you for standing by. Welcome to the Remitly's Q3 2022 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers’ presentation, there will be a question-and-answer session. [Operator Instructions] Please be advised that today's conference is being recorded.