BIZ BANKS-RISK-COMPLIANCE 1 CH
Credit-risk specialist Jody Martin, center, works at a meeting with fellow team members LaKisha Woods, left, and Hema Parekh, right, at the Federal Reserve Bank of Richmond's Charlotte, N.C., branch on Thursday Aug. 21, 2014. They are discussing stress testing for large banks. (Diedra Laird/Charlotte Observer/MCT)