Three business group have been split into five.
It has created four new functions to provide greater oversight and transparency.
It has brought on board 10 new operating committee members out of the total committee of 17.
It has created a new team design to facilitate oversight of consumer practices.
It has created new enterprise-wide risk assessment with the intent to design new controls.
It has "implemented a new incentive plan for bank branches that is governed by stronger oversight and controls, and focused on customer relationships."