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Just search new here. Welcome to the HBR Ideacast from Harvard Business Review.

I'm Justin Fox and I'm talking today with Sally Crock, a former top executive with Bank of America

and Citigroup, and author of an article in the June issue of Harvard Business Review titled Four Ways to Fix Banks.

Sally, welcome to Ideacast.

Justin, thank you for having me.

Now, you've helped run Banks.

You were chief financial officer of Citigroup,

then head of the wealth management divisions at Citi and B of A.

But before that, you examined banks from the outside, right?

That's right.

I was a research analyst covering the

industry for a number of years. So when you moved from the outside to the inside were

things better or worse than you're expected? I certainly have had the ability to gain an interesting perspective from both the

analyst side and the internal management side and they're both very tough jobs, understanding

a financial services company from the outside

is challenged and the analysts say, well just do this or just do that and you say it's just not

...