Jen Earyes | Head of Investor Relations |
Jack Remondi | President and Chief Executive Officer |
Joe Fisher | Executive Vice President and Chief Financial Officer |
Mark DeVries | Barclays |
John Hecht | Jefferies |
Arren Cyganovich | Citi |
Moshe Orenbuch | Credit Suisse |
Bill Ryan | Seaport Research Partners |
Giuliano Bologna | Compass Point |
Jeff Adelson | Morgan Stanley |
Rick Shane | JPMorgan |
Good day and thank you for standing by. Welcome to the Navient First Quarter 2023 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 may be recorded.