3 years local bank exp only where got 120k lmao who are you kidding bruh. 6 years in foreign banks also just narrowly reaching this anybody actually in compliance would know. Don’t be a salty ARM? Anyways, it’s true that not all FO are glamarous. E.g. PB space - only a fraction of headcount in FO are actually the RMs themselves. ARMs are mostly stuck drawing max 120-140k p.a at their peak (at least 10 years exp)