Richard S. Carnell has spent the past seven years restructuring the banking industry.

As a top Senate Banking Committee aide, Mr. Carnell has played a major role in every piece of domestic banking legislation to pass Congress since 1987. That includes the Competitive Equality Banking Act, the 1989 thrift bailout, and 1991 's much-reviled (by bankers, at least) Federal Deposit Insurance Corp. Improvement Act.

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