Smart top management, largely capable people and culture, less political than competition
Pros
* Great values, sensible and largely competent top management * Strong support for employees' work-life balance and flexible work options (eg: working from home) * Support for lateral movement for employees * Largely less political compared to competition, and quick to adapt business strategy and adjust priorities in response to broader market environment
Cons
* Still integrating the multiple Bank acquisitions, overall culture is not consistent, very hierarchical in many groups (different from the Capital One of a few years ago) * Lack of savvy around investment in technology infrastructure, aging systems and massive inefficiencies that are finally slowly being addressed. Not too dissimilar to other banks but for a company that grew up on innovation and analysis-driven strategy, its taken a while to realize that ongoing technology investment is needed to support the quality data and analytical tools the company needs