Synchrony Financial (NYSE:SYF) Q4 2020 Earnings Conference Call January 29, 2021 8:30 AM ET Company Participants Kathryn Miller - SVP, Director IR Margaret Keane - Chief Executive Officer Brian Doubles - President Brian Wenzel - Executive Vice President & Chief Financial Officer Conference Call Participants Ryan Nash - Goldman Sachs Sanjay Sakhrani - KBW Moshe Orenbuch - Credit Suisse Mihir Bhatia - Bank of America Don Fandetti - Wells Fargo Betsy Graseck - Morgan Stanley Bill Carcache - Wolfe Research Joh ...