Alliance Data Systems(BFH) - 2020 Q4 - Earnings Call Transcript

Alliance Data Systems Corporation (ADS) Q4 2020 Earnings Conference Call January 28, 2021 8:30 AM ET Company Participants Brian Vereb - Head of Investor Relations Ralph Andretta - President and Chief Executive Officer Tim King - Executive Vice President and Chief Financial Officer Conference Call Participants Sanjay Sakhrani - KBW Bob Napoli - William Blair Ryan Nash - Goldman Sachs Mihir Bhatia - Bank of America Jeff Adelson - Morgan Stanley David Scharf - JMP Securities Scott Wurtzel - Wolfe Resear ...