Rosie Perez | Head, IR |
Stephen Squeri | Chairman and CEO |
Jeffrey Campbell | CFO |
Craig Maurer | Autonomous Research |
Bob Napoli | William Blair |
Rick Shane | JPMorgan |
Bill Carcache | Nomura Instinet |
Moshe Orenbuch | Credit Suisse |
Betsy Graseck | Morgan Stanley |
Mark DeVries | Barclays |
Chris Donat | Sandler & O'Neill |
James Friedman | Susquehanna |
Jason Kupferberg | Bank of America |
Don Fandetti | Wells Fargo |
Sanjay Sakhrani | KBW |
Ladies and gentlemen, thank you for standing by. Welcome to the American Express Q3 2019 Earnings Call. [Operator Instructions] As a reminder, today's call is being recorded.
I would now like to turn the conference over to our host, Head of Investor Relations, Ms. Rosie Perez.