As a professional vocalist in her spare time, Mary Tuuk knows sopranos are only part of the production. So it is in banking, where product lines and lending activity can't work in a vacuum.

That's why Tuuk, the chief risk officer for the $115 billion asset Fifth Third Bancorp, stepped forward in her new role last year to help launch a new risk infrastructure that would, for the first time, give Fifth Third corporate executives a more transparent handle on how risks and returns are interrelated across all the Cincinnati institution's business lines and operations. The new corporate credit committee evaluated credit processes and measured how external factors would impact capital levels, earnings and share prices. "That's been the framework we've used to make all of the decisions," says Tuuk. "No matter what would happen, we would have sufficient capital to absorb any credit losses that would transpire from those scenarios over the next six quarters."

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