Convoluted and often redesigned bonus structure that is always poorly constructed and encourages bad practices. Very branch specific experience as far as morale of staff and quality of manager if you work in-branch. You can and will be easily replaced at this company for somebody who will make less money and do the same work as you. The in-branch experience is often a fairly thankless job, with both customers and upper management capable and more than willing to have a negative impact on your day.