SLM Corporation. (NASDAQ:SLM) Q4 2019 Results Earnings Conference Call January 23, 2020 8:00 AM ET Company Participants Brian Cronin - VP, IR Raymond Quinlan - CEO Steven McGarry - CFO Conference Call Participants Moshe Orenbuch - Credit Suisse Sanjay Sakhrani - KBW Michael Kaye - Wells Fargo Terry Ma - Barclays Rick Shane - JPMorgan Henry Coffey - Wedbush Melissa Wedel - JPMorgan Arren Cyganovich - Citi John Hecht - Jefferies Dominic Gabriel - Oppenheimer Jordan Hymowitz - Philadelphia Financial Bill Ryan ...