Every day, thousands of junior and middle ranking bankers are making decisions and behaving in a particular way. They do this because that is what they have always done, and in the belief that it is what their bosses want them to do. It is middle managers who decide to determine a specific loan as “non-cooperative”, or fail to take the time to return a call, or overlook an error in charges, or doesn’t speak up when they are concerned about a compliance practice. If we are serious about really implementing cultural reforms in Irish banks, we need to get…

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