Outgoing CRO and the Compliance Officer let the bank accumulate a ton of tech debt over the past 8 years and expected it to be cleaned up in 2 years.
CEO and his directs have no strategy
Regulators run the Bank
Japanese expats and parent company are ineffective, inefficient and drive costs up considerably with non value add processes
Risk processes are a joke . Multiple reviews and approvals by each line of defense and still things fail.