[acdha]

Those in power over a business with a trillion dollar asset flow don’t have to know everything personally: they can afford to hire a robust auditing department to make sure they’re in compliance with the law, just as they don’t personally handle every new hire or procurement. That also helps in court: if J. Rogue Banker’s story ends when the company learns of it and immediately alerts the authorities, it’s a lot less likely that the bank is going to get hit with penalties due to the clear lack of organizational approval.

The places which don’t have good auditing teams are gambling that they won’t be fined more than the cost of having one, which is easy to fix.