Vivian Zhou | Head of Investor Relations |
Steve Squeri | Chairman & Chief Executive Officer |
Jeff Campbell | Chief Financial Officer |
Sanjay Sakhrani | KBW |
Mihir Bhatia | Bank of America |
John Pancari | Evercore ISI |
Betsy Graseck | Morgan Stanley |
Bill Carcache | Wolfe Research |
Mark DeVries | Barclays |
Ryan Nash | Goldman Sachs |
Meng Jiao | Deutsche Bank |
Chris Donat | Piper Sandler |
Rick Shane | JPMorgan |
Lisa Ellis | MoffettNathanson |
Don Fandetti | Wells Fargo |
Ladies and gentlemen, thank you for standing by. Welcome to the American Express Q1 2022 Earnings Call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session. [Operator Instructions] As a reminder, today's call is being recorded.