I'd say the answer to that is if it's a systemic wrong, if it's being done, if there are hundreds of employees across an institution doing wrong with forgery, or wrongly signing people up to things, systemic issues in my view are never punished, because it's very profitable to sign up hundreds and thousands of clients. If it interferes with the profits of the bank, they'll punish it. If the bank catches one bad apple, they'll punish that person, but if it's across-the-board, systemic, and profitable, that's not an offence.
On June 7th, 2017. See this statement in context.