Pros: Customer-focused thinking applied and practiced to relieve the most people of the greatest burdens of the existing financial system. Employee-oriented operations, processes, and benefits. Open dialogs, training, and a positive approach between managers, directs, and those who seem to go all the way to the top. Technology is being revised constantly, and new solutions are experimented with in a proactive manner. Engineers are encouraged to grow, challenge themselves, and plenty of tools and opportunities are provided. Projects have a generally good infrastructure that provides many important services out of the box in a useful way.

Cons: Stock value has not recovered despite large value-engendering steps and big investments into the AI space. Some processes are exhaustively difficult to put together because of complicated systems and legacy. Old technical choices linger, and large-scale operations are extremely hard to change and make flexible again.

Pros: Customer Obsession Continuously reinventing Inclusiveness and Diversity

Cons: Invest more to have Global Presence

Pros: - Small company atmosphere that is globally dispersed, with good intent to do big things in the future. - Executives from the Board, CEO, and senior levels engage with employees at all levels. - Innovation is invested in, and solid progress is being made to bring ideas to life and to the market. - Tough decisions are made and executed on business plans to drive growth. - Career growth and advancement are available if you are willing to make the investment in yourself and step outside your comfort zone to take on risks and achieve goals. The company truly supports this in valuable ways.

Cons: - Follow through on the Business / Product / Engineering disciplines to see features and services through the full lifecycle, not only through initial deployment, but through the first course correction post-launch. Leaders and some key staff within these disciplines leave for new assignments before they can truly be part of the team to lead and experience the corrections needed to make their investment in these features and services pay off for customers. People are missing out on the value of accountability and fortitude. - Somewhat slow on staff and production integration from key acquisitions. However, progress is being made in this area at high and mid levels with strong signs of impacting the front lines, which should lead to some stellar products and services for our customers. - Far too easy on the competition. The company has a lot of technology and usage around its products that it needs to appreciate and demonstrate in the market.