https://nongaap.substack.com/p/sivb-held-to-mortem-governance https://nongaap.substack.com/p/sivb-held-to-mortem-governanc... claims they didn't have a Chief R

https://nongaap.substack.com/p/sivb-held-to-mortem-governance https://nongaap.substack.com/p/sivb-held-to-mortem-governanc... claims they didn't have a Chief Risk Officer for most of 2022 however, so if true, might that have contributed to not seeing the approaching difficulty as mortgages became stressed?