There are a few layers in many big companies and mostly banks.
Lower Level
The hundreds of lower base workers where commission drives what they do. They will side step and push any rules to get that commission.
Middle Level
Lower and Middle Management who like there fellow lower level colleuges, depend hugely on thier commissions and will let things slip and just blame a lack of systems and processes in place and also that they are to busy to do and watch everything and everyone. Point the blame below you.
Upper level
Senior Managers who want their business unit within the company to look great "see we are hitting our numbers this year" Bigger commission and bonuses for these guys, whilst putting extreme pressure on the middle and lower levels. Will point the blame at the middle level managers if anything goes wrong.
Senior Level and CEO
Rarely do any issues get to these guys as if it does, chances are they will just fire whoever is responsible. No one wants to lose their jobs right!!!!
If they do find out about things, it is through the media more than likely. They will plead ignorance and make a PR statement saying we will look into our processes and systems. This is a rare occurance, a rouge employee.
Our brand is everything, we will fight any legal case wrongly or rightly. We will never accept any guilt as that shows weakness in how we are managed and run.
The one driving factor with all these levels is "money and greed" Shareholders are behind this money and greed lifestyle.
I agree with crackpot in the logic "i give you my money and if i gain, great. If i don't gain and lose, i want answers and want compensation.
In this particular case, that wasn't the reason. It was driven by greed in a system that has created the word in every sense.
Sometimes compassion and admitting you are wrong is the best solution.