Stephen Shulstein | executive |
Matthew Oppenheimer | executive |
Hemanth Munipalli | executive |
Andrew Schmidt | analyst |
Allison Gelman | analyst |
Robert Napoli | analyst |
William Nance | analyst |
Alexander Markgraff | analyst |
David Scharf | analyst |
Tien-Tsin Huang | analyst |
Good day, and thank you for standing by. Welcome to Remitly's Q3 ‘23 Earnings Conference Call. [Operator Instructions]. Please be advised that today's conference is being recorded. I would now like to hand the conference over to your speaker today, Stephen Shulstein, Vice President of Investor Relations.