Alliance Data Systems(BFH) - 2021 Q3 - Earnings Call Transcript

Alliance Data Systems Corporation (ADS) Q3 2021 Earnings Conference Call October 28, 2021 8:30 AM ET Company Participants Brian Vereb - Head, IR Ralph Andretta - President & CEO Perry Beberman - EVP & CFO Valerie Greer - EVP, CCO, Card Services Tammy McConnaughey - EVP, Operations and Credit Risk, Card Services Conference Call Participants Sanjay Sakhrani - KBW Bob Napoli - William Blair John Pancari - Evercore Bill Carcache - Wolfe Research Mihir Bhatia - Bank of America Jeff Adelson - Morgan Stanley Meng ...