Carmen Segarra, former senior bank examiner with the Federal Reserve Bank of New York, left, takes notes during a Senate Banking Subcommittee hearing with William C. Dudley, president and chief executive officer of the Federal Reserve Bank of New York, not pictured, in Washington, D.C., U.S., on Friday, Nov. 21, 2014. Dudley said in testimony he vowed to improve bank supervision and regulation, saying he’s aware of the risk of becoming too cozy with large financial firms. Photographer: Andrew Harrer/Bloomberg *** Local Caption *** Carmen Segarra