[02:50] Challenges that the smaller financial institutions have in their risk management programs

[07:13] The significant irony in financial institutions

[09:01] What Terri brings to the table

[10:50] Creating a culture of risk-awareness

[12:24] Reactive planning versus strategy planning

[14:25] The shift Terri has seen

[15:32] The unfortunate indicator

[16:45] Terri's opinion on banks reducing their operational costs

[19:43] One of the areas of challenge of heavily-regulated organizations

[21:37] What works and what doesn't for acquired financial institutions

[25:03] More tips for acquiring financial institutions

[26:49] Guilty by association

[27:59] Rounding up with the most shocking fraud story

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