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This probably doesn't cost very much money. A friend of mine in India mentions that with the average programmer's salary there, you can afford to have several personal servants. For the salary of one employee in the US that manages HR compliance, you can probably have 10 people in India that Google for the nearest store that sells tubs of nacho cheese. But nobody complains about how HR compliance raises the fees you pay in the store.

Banks, like all other large corporations, already have epic overhead. A few guys in India using Google and a few people to talk to you on the phone does not make much difference to their bottom line. (But it does impress people.)

(Oh, and what is "HR compliance"? No idea, but I'm sure every bank has at least 5000 people that do it.)



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