Citibank- Risk Management Deficiencies

Your textbook addresses the fact that "the regulatory cost associated with Dodd-Frank posed the question whether the U.S. government is using the most effective means to make the financial system more resilient, and whether it has achieved the proper balance between safety and efficiency" (333). The fact that large banks have become too big to fail (TBTF) has encouraged banks to take on more risk and not implement the necessary oversight to manage internal deficiencies. Access the below link in reference to Citibank and respond to the following questions:

Citibank fined $400 Million by U.S. banking regulators for risk management deficiencies

1. As a regulator, what stipulations would you provide the bank's management to address the bank's deficiencies (remember that Citigroup failed to adequately address concerns related to risk management and controls that were previously identified in 2013 and 2015)?