Dude. I was a hired gun. Multinational corporations hired me to fix shit. Like, The Pervious Managers of the entire Collections Department Just got arrested and sent to federal prison. Everything they did for the past two years was illegal. You have 12 months to fix it.
What did I fix? Well, depends on the job. Usually the company fucked everything up, and I needed to turn the department around. You need to understand how the US views banking and the industry in general. In the case of the K-Flag incident, If I told you what people went to prison over, I'd need to spend an hour I don't have explaining it.
They went to prison because they DIDN'T ruin people's credit.
Ah, banking's the most regulated industry in America despite needing the most fluid operation; since it's the industry that funds every other industry (like the ferociously-villainized fossil fuel industry's the industry that feeds the machines o every other industry {or the most-entrenched-in-corruption agriculture industry that has the responsibility o feeding everybody pristine earnest nutrition}).