Citizens Republic Bancorp, a bank holding company with $9.6 billion in assets in Flint, Michigan, started a risk office and hired a chief risk officer seven years ago at the urging of regulators. Like many banks, it struggled in the aftermath of the recession but returned to profitability and exited a memorandum of understanding with regulators. Although banks below $50 billion in assets aren’t technically required to have a chief risk offi...
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