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The change began not as a torrent, but a trickle.   For the past few years, CIBC, the Canadian Imperial Bank of Commerce, has undergone a transformation of sorts. Slowly it has moved to a business mode where the customer experience and client-centric thinking isn’t an afterthought, but something that is at the front of the mind. Always.   As one of Canada’s Big Five banks, it was a major change. The bank was big enough that it could have easily rested on its laurels....

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