The following are elements of the problem or opportunity facing Beth Daniels and Athena Bancorp: The following are elements of the problem or opportunity facing Beth Daniels and Athena Bancorp: The bank is not profitable Average employee engagement scores have been increasing Some bank employees feel overworked The bank has started to receive customer complaints about unhappy employees and poor customer service The FDIC has launched an investigation into the bank's employment practices The implementation of a new IT system was making the bank more prone to cybersecurity threats High-touch customer service did not seem to be scaling in the same way as some other aspects of the bank as the bank grew