Bank of America has undergone several changes to management and its board stemming from a compulsory review, led by newly minted Chairman Walter Massey. He was put in place in late April after shareholders voted to strip CEO Ken Lewis of the chairman's title at the annual meeting. But while BofA has fresh blood on its board and expects to exceed regulators' demands to raise $33.9 billion in capital, the firm has $45 billion in TARP funds to repay, not including a buyback of government stock warrants. While trying to accomplish that feat, the bank is still working through the mammoth integrations of two troubled firms, Countrywide Financial and Merrill Lynch, not to mention related shareholder animosity and government inquiries. As the largest bank in the country, BofA also faces continued stress in its normal business operations as the economic crisis persists - struggles that Citigroup and Wells Fargo also face.