Citi is a bank with no soul.
It is the soulless mega corporation par excellence. Complete with every known and unknown failure of such an organization.
Even the consent orders are a symptom of this failure.
Because the bank has no soul, it cannot impart meaning to anything.
Unfortunately, the only way to build powerful systems is to be able to discern what is meaningful and valuable.
In other words, the only way for Citi to solve its problems is to find a soul. But for that one needs leadership with a soul.