Bob Spadafora flew to Dallas in 1994 to meet with executives of International Bank of Commerce about starting an investment products program. Two days later, he knew IBC was not just another bank.

Mr. Spadafora, executive vice president at Independent Financial, a third-party marketer, had been told that investment representatives at the south Texas bank would have to be bilingual.

Limited Time Offer

Save $400 off your subscription. Special offer ends April 30, 2017.

14-Day Free Trial

No credit card required. Complete access to articles, breaking news and industry data.