Pros

tools are available to allow you to take care of customer needs. comopany constantly, and aggressively seeking to expand into new markets.

Cons

the priority is profit over customer satisfaction, give the customer whats profitable over what they need, also the company cannibalizes it's sales/retail sales force, regularly adjusting commission structure and creating a hostile air of competition for commision by overloading branches with bankers to pressure customers into additional services with the intensity of a New Car Salesman.

Advice to Senior Management

look at the way management focused on employee satisfaction prior to Bank One, Chase merger, and, look to create excitement again in the company.