Risk USA 2005: Bank of America's Moulds highlights changing risks

“Overall, I think we have made tremendous progress," Moulds said. "But the challenge is not just innovation, it's ensuring that technology keeps pace with innovation and striving for commonality of vision,” he added.

On the theme of the importance of standardization, Moulds pointed to dealers' opposing views of how straight-through-processing (STP) should work, which has hampered innovation. “The question is how do you strike a balance between allowing free markets to operate, and establishing a

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