This isn't quite true. Yes, the BofA head office is in Charlotte. I used to work there. All the interesting work happened at BofA NYC, regardless of its smaller

This isn't quite true. Yes, the BofA head office is in Charlotte. I used to work there. All the interesting work happened at BofA NYC, regardless of its smaller size. The same was true with Wells Fargo. In fact even BofA SF in the financial district does a lot more interesting math especially in hedging and risk, compared to Charlotte. So don't be fooled by the physical location of the bank's head office - most of the interesting work happens in the bank's NYC branch, which is where the talent is.