Synchrony Financial (NYSE:SYF) Q4 2022 Earnings Conference Call January 23, 2023 8:00 AM ET Kathryn Miller - SVP, IR Brian Doubles - President & CEO Brian Wenzel - EVP & CFO Operator Kathryn Miller During the call, we will refer to non-GAAP financial measures in discussing the company's performance. You can find a reconciliation of these measures to GAAP financial measures in our materials for today's call. I will now turn the call over to Brian Doubles. and a return on tangible common equity of 28.5%. This ...