01/31/2012 01:00 pm ET

R. Christopher Whalen, Bank Analyst, Bets Against Wall Street

R. Christopher Whalen doesn't mince words about the big banks.

"We don't need to have these behemoths. It's just a total fallacy," said Mr. Whalen, a financial analyst who has spent the last eight years evaluating the industry giants, like Citigroup, Bank of America and JPMorgan Chase. "The big guys are going to break up."

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