By the ripe old age of 34, McInerney had risen to head J.P. Morgan Chase's consumer-banking division, overseeing 76,000 employees and becoming the youngest member of the megabank's executive committee. Earlier this year he left to become president of Visa. Expect him to shake things up: When he took over consumer banking at J.P. Morgan, its Chase branches trailed in consumer satisfaction. His fix: Gather all district managers in one room and play customers' complaints over a loudspeaker for an hour and a half. By the time he left, Chase had climbed in the rankings. "It's all about listening to the front line," says McInerney.