Kathryn Miller | SVP, IR |
Brian Doubles | President & CEO |
Brian Wenzel | EVP & CFO |
Moshe Orenbuch | Credit Suisse |
Ryan Nash | Goldman Sachs |
Erika Najarian | UBS |
John Hecht | Jefferies |
Sanjay Sakhrani | KBW |
Betsy Graseck | Morgan Stanley |
John Pancari | Evercore |
Dominick Gabriele | Oppenheimer |
David Scharf | JMP Securities |
Good morning, and welcome to the Synchrony Financial First Quarter 2023 Earnings Conference Call. Please refer to the company's Investor Relations website for access to their earnings materials. Please be advised that today's conference call is being recorded. [Operator Instructions]
I will now turn the call over to Kathryn Miller, Senior Vice President of Investor Relations.