Brian McGinley spent 10 years as a senior executive at Wachovia, and 20 years at Citi, with responsibilities that ranged from director of deposit, control and loss operations at Wachovia  to director of risk management and control at Citi. He oversaw 2,200 Wachovia employees; now, as principal of BMG Risk Consultancy, he’s his own master. It’s a paradigm shift, but has opened up a “smorgasboard” of opportunities.

BTN: You spent your banking career worrying about risk. What do you think are the most serious risk management issues facing US banks today?

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