Good afternoon, and thank you for joining us for Remitly's fourth quarter 2022 earnings call. Joining me on the call today are Matt Oppenheimer, co-founder and chief executive officer of Remitly; and Hemanth Munipalli, our chief financial officer. Before we start, I would like to remind you that we will be making forward-looking statements within the meaning of the federal securities laws, including, but not limited to, statements regarding Remitly's future financial results and management's expectations and plans.