Alliance Data Systems(BFH) - 2021 Q4 - Earnings Call Transcript

Alliance Data Systems Corporation (ADS) Q4 2021 Earnings Conference Call January 27, 2022 8:30 AM ET Company Participants Brian Vereb - Head, IR Ralph Andretta - President & CEO Perry Beberman - EVP & CFO Conference Call Participants Sanjay Sakhrani - KBW Bob Napoli - William Blair Bill Carcache - Wolfe Research Mihir Bhatia - Bank of America Jeff Adelson - Morgan Stanley John Hecht - Of Jefferies LLC Meng Jiao - Deutsche Bank John Pancari - Evercore ISI Bill Ryan - Seaport Global Dominick Gabriele - Oppenh ...