Citi has largely put the dog days of its multiyear transformation behind it, and CEO Jane Fraser signaled a shift from remediation to competition. The next step is cultural. In a memo to employees last week, Fraser told Citi's more than 200,000 workers that "the bar is raised" and that it was time to ditch bad habits. When Fraser took over as Citi's chief executive in 2021, the bank was under intense scrutiny — bogged down by regulatory pressure, dated and weak technology, and investor doubts