The Globe and Mail reports in its Friday edition that TD Bank board chair Alan MacGibbon says the disclosure of the bank's anti-money-laundering failures was its "darkest day" and vows that the lender is implementing extensive reforms to fix the issues. The Globe's Stefanie Marotta and Indra Egan write that Mr. MacGibbon and newly minted chief executive officer Raymond Chun fielded a parade of investor questions and concerns regarding the bank's dealings with U.S. regulators and the Department of Justice at its annual meeting Thursday. The event was the first opportunity retail investors have had to confront TD's leaders since the bank pleaded guilty to criminal conspiracy to commit money laundering in October. Shareholders lined up at the microphones to ask Mr. MacGibbon and Mr. Chun how senior leaders allowed money-laundering breaches to persist, what the bank is doing to ensure the issues do not happen again and how the lender intends to bolster its beleaguered share price. TD is redesigning its training programs at all levels, including front-line staff, who interact directly with customers, according to Mr. Chun. "It is about changing our culture," he said in response to a shareholder question.