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AML reform only works with communication, cooperation, and consensus
Comptroller Otting indicates market shift may influence policy decision
New bank law makes longstanding advantages available to larger players
New banks begin sprouting again
Fintech firms have innovation, banks have money
Issues once as strange as fiction become fact
Chris Skinner talks, but bankers don’t buy the change
Legacy systems, organizational culture pose hurdles
 ...without leaving the next generation with a scrambled nest egg
Human element takes time and effort to train
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