1 For more than a century, this company has been a major force in banking, helping millions of customers, both individual and commercial, to realize their ambitions—locally as well as internationally. To maintain growth at the forefront of such a competitive domain for so long has required continual innovation and transformation in the products and services delivered as well as in the very structure of the organization itself. One of the most significant and challenging of these transformations in recent years has been the expanding role of IT within the bank. From a comparatively small group supporting the business through its maintenance of infrastructure and resources, the IT group has grown into a major new revenue center through its successful use of digital innovations such a

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