Discover Financial Services (NYSE:DFS) Q4 2019 Results Conference Call January 23, 2020 5:00 PM ET Company Participants Craig Streem - Head of Investor Relations Roger Hochschild - Chief Executive Officer John Greene - Chief Financial Officer Conference Call Participants Ryan Nash - Goldman Sachs Sanjay Sakhrani - KBW John Pancari - Evercore Mark DeVries - Barclays Eric Wasserstorm - UBS Moshe Orenbuch - Credit Suisse Jason Kupferberg - Bank of America Rick Shane - JPMorgan Don Fandetti - Wells Fargo Betsy ...