Thorny questions composed by banking insiders - or at least by activist, unionised staff - may add colour to this week's questioning of major bank CEOs by the House of Representatives' Standing Committee on Economics.The Finance Sector Union yesterday circulated a selection of the 200 or so questions composed by bank workers and shared with members of the committee.Those pushed into the public domain for bank management as well as media consumption yesterday might be those member's questions judged as being of less use than those in reserve for the appearance of the chief executives of their employers.Ian Narev, managing director of Commonwealth Bank, is rostered to front the committee this afternoon. Three more CEOs will follow over the next two days.One question suggested by a subordinate of Narev spikes any reformist rhetoric from a bank dogged by more 'conduct' controversies than its peers."What guarantee can you give staff that all matters reported via 1800speakup are independently investigated and appropriate disciplinary action will occur if the report is substantiated?" the CBA worker asked.Many other suggested questions share this tenor, disputing underlying themes from industry management of satisfied customers, cooperative staff and studied efficiency. "What is Westpac going to do with addressing the current staffing levels, which in some regions is at a critical level?" one FSU member asked."There is no sickness cover, no holiday relief and vacancies are not covered for months and months on end. "There is never relief for bank managers and the expectation that a personal banker [will] step into the role, cover all teleconferences, meet compliance yet still cover their own role and meet targets is beyond expectations. This certainly adds pressure and stress to all the staff."Branch targets and scorecards are not adjusted," the harried worker complained. Some bank stakeholders might like what they read."Are staffing levels at an all-time low at Westpac?" another worker asked.An ANZ insider sheds light on the tensions around offshoring, including reversals - that is onshoring work - but with foreign workers shipped in to carry on the tasks."ANZ have off-shored many Melbourne IT jobs to India on the grounds that pay rates were less there," this informant explained."This resulted in many Melbourne redundancies over the last four years. However, when it became clear that productivity dropped it was necessary to bring those Indian colleagues that then performed the off-shored Melbourne roles to work in our Melbourne offices, in order lift their productivity. "Would you agree you have made redundant, workers whose jobs are now being performed at the same location (Melbourne) by overseas workers at reduced rates?"Management reform of links between sales targets and pay - a big theme this year - is challenged in a question framed by yet another Westpac worker."The new Westpac scorecards in use from 1 October (that is, this week) require tellers to still refer two clients each day to a business partner as a minimum and personal bankers still to meet a minimum number of 'needs met' or in other words 'products' and a