在十年的时间里, Wells Fargo employees opened more than a million checking and savings accounts and over a half million credit cards for their customers. 这听起来可能是一个相当大的成就, but the kicker is: they opened these accounts without the customers’ consent.
In 1998, 富国银行转向了基于数量的销售模式, 以交叉销售为核心战略,促进增长. The company’s compensation structure was highly focused on cross-selling as a performance metric. 高压的“要么表现,要么被解雇”文化, 再加上不切实际的销售预期, resulted in employees using several “gaming” tactics to meet their quotas:
- 说服客户开立他们不需要的账户
- 伪造客户签名开立未经授权的账户
- Creating PINs to activate unauthorized debit cards (referred to as “pinning”)
- Changing customers’ contact information to that of Wells Fargo employees to prevent customers from receiving satisfaction surveys or other account information
Although top managers within the company were aware of these un法律ful practices as early as 2002, it wasn’t until 2016 when customer complaints began to accumulate and regulators took notice.
据美国司法部2月21日报道, 2020年新闻稿, the investigation into the company’s business practices led to Wells Fargo admitting that “… it collected millions of dollars in fees and interest to which the Company was not entitled, 损害了某些客户的信用评级, and un法律fully misused customers’ sensitive personal information, 包括客户的身份证明.”
In 2020, Wells Fargo agreed to settle the civil 法律suit and pay a $3 billion fine. The Office of the Comptroller of the Currency fined John Stumpf, 富国银行前董事长兼首席执行官, $17.500万年. 其他高管被处以较小数额的罚款. The bank also agreed to change its compensation structure and performance metrics to better align with the best interests of its customers.
While all three components of the fraud triangle certainly played a part, pressure clearly played an exceptionally integral role in cultivating the environment that led to these unsavory practices.
通过这种方式,我们可能每年只关注一次“欺诈周”, 但是我们的专业人员, assist and prepare clients throughout the year with their unique fraud concerns.
If you have questions or concerns about fraud in your organization, contact Tom Pratt at tpratt@aproteka.com 或者是Brian Webster bwebster@aproteka.com.
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来源:
- http://corpgov.law.harvard.edu/2019/02/06/the-wells-fargo-cross-selling-scandal-2/
- http://www.justice.gov/opa/pr/wells-fargo-agrees-pay-3-billion-resolve-criminal-and-civil-investigations-sales-practices
- http://www.forbes.com/sites/jackkelly/2020/02/24/wells-fargo-forced-to-pay-3-billion-for-the-banks-fake-account-scandal/