Carlos Winston Wilkinson, who had headed up the retail mortgage division of Wachovia Mortgage Corp., Charlotte, N.C., has joined Cincinnati's Fifth Third Bank as executive vice president and head of its consumer bank.His new duties include overseeing all Fifth Third products directed at consumers, including the mortgage, retail, indirect and business banking divisions. Part of his accomplishments at Wachovia was the integration of SouthTrust's retail mortgage business into Wachovia.

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