More layoffs coming but it's likely to be in little dribs and drabs as operations areas are consolidated and outsorced to India and the Philippines. I'd be concerned with loan operation areas being downsized next. Im in the loan center and we keep hearing rumors of presentations circulated with management about the need to reduce headcount.
There will also be system consolidation to reduce the number of operating systems which will mean more layoffs. It takes time to do this so I would expect 2019 to be the big year for downsizings which will help to hit the $2b expense reductions.