As economic recovery begins and business conditions slowly improve, financial services firms need to be equipped to take advantage of every opportunity that presents itself to reduce costs and maximize profitability, acquire and retain customers, increase operational efficiency, and minimize noncompliance risks. As one of the largest controllable (and most expensive) assets a financial services firm has, the workforce plays a major role in all these goals. As a result, financial services firms are becoming increasingly concerned with employee retention. Human resources efforts to increase employee engagement are critical to holding on to top-performing employees, especially as business conditions improve and these workers may pursue new positions elsewhere