Financial firms feature prominently
$300 million offering to close January 31
Imposes more than $40 million in penalties
152,000 customers eligible for refunds
Changes reflects concern over difficulties with U.S. operations
Bank takes on charges on realignment, jobs cuts
Nixon says Canada’s diversity is a “competitive advantage"
Productivity and profitability key concerns
Cards work with NYCE network terminals
Seven member team to be based in London