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For years, social science research has revealed a seemingly paradoxical pattern in which educational attainment of immigrant children, even with language and cultural disadvantages, surpasses that of their native-born same socio-economic status peers. This is known as the immigrant paradox in education. Based on these findings scholars have suggested that Americanization is a developmental risk and have raised concerns that United States culture is inferior in some ways to other national cultures.
New research suggests a significant number of national and international American banks hired new Chief Risk Officers to mitigate risk but may have actually helped lead the industry into widespread insolvency.
Starting in the 1990s, many major banks hired Chief Risk Officers (CROs) in a response to new laws and regulations put in place following financial meltdowns in the 1980s. In an effort to comply, banking officials elevated risk analysts to corner offices to show they were serious about tackling risk.