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roll the dice on leadership where some are good and some are clueless really old guard in parts of the company, out of touch with reality and market; biding time until retirement salary is average to low at best across the board comparatively - entry level to higher salary administration is based on a bell curve with 90% at average pay, 5-7% at distinguished, 5-3% outstanding ratings. base compensation, stock, and annual cash awards do not really differentiate performers from non- HR has been brutal in recruiting and performance administration for years if you can't work from home the headquarters location is in a far northern suburb company doesn't know how to acquire business or develop new products. (reference Goldfish, Pulse, Diners Acquisitions) Retail bank and lending products just aren't getting traction; network kind of lingers as a separate part of the company with failed Diner's Club and international agreements weighing down better options vulnerable takeover target since its primarily credit card receivables- there's cash now but liquidity will be a problem soon

Low wages bad management. Very rude management. Lack off professionalism. Lack of experience. Lack of teamwork only concerned with numbers not the customer