The global credit crisis is driving more-intense regulatory scrutiny and an increased focus on risk management, which, in turn, will trigger enormous changes in banks' cultures, processes and staffing practices. As a result of the changing environment, banks of all sizes must transform their lending, underwriting and credit risk management practices. What regulatory changes should banks consider as they develop transformation strategies, and how will these changes impact the business? What are some of the likely staffing and workforce issues banks must address? And what types of solutions -- outsourced or otherwise -- are banks likely to deploy to help them adapt to the new landscape?