When Ellen Alemany looks back on her 36-year career in banking, she sees an industry transformed — for better and for worse.

"I think back to what it was like when I started. It was much simpler then than it is now to say the least," the recently retired chairman and CEO of RBS Citizens Financial Group said Thursday as she accepted a lifetime achievement award, presented at American Banker's gala celebrating the most powerful women in banking and finance.

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