Bruce Thomas | VP, IR |
Ashish Masih | President and CEO |
Jonathan Clark | EVP and Chief Financial Officer |
Craig Buick | CEO, Cabot Credit Management Group |
Ryan Bell | President, Midland Credit Management |
Mark Hughes | Truist Company |
Mike Grondahl | Northland Capital Markets |
Robert Dodd | Raymond James |
Spencer James | William Blair & Company |
Mark Hughes | Truist Company |
Good day and thank you for standing by. Welcome to the Encore Capital Group's Second Quarter 2022 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 first speaker for today, Mr. Bruce Thomas, Vice President of Global Investor Relations for Encore.