Kerri Bernstein | Head, Investor Relations |
Steve Squeri | Chairman & Chief Executive Officer |
Jeff Campbell | Chief Financial Officer |
Ryan Nash | Goldman Sachs |
Sanjay Sakhrani | KBW |
Mark DeVries | Barclays |
Betsy Graseck | Morgan Stanley |
Bob Napoli | William Blair |
Rick Shane | JPMorgan |
Dominick Gabriele | Oppenheimer |
Moshe Orenbuch | Credit Suisse |
Don Fandetti | Wells Fargo |
Bill Carcache | Wolfe Research |
Lisa Ellis | MoffettNathanson |
Mihir Bhatia | Bank of America |
Ladies and gentlemen, thank you for standing by. Welcome to the American Express Q3 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.