Driving into work, "Donna" would scan the bank's parking lot. "Every single morning... to see if there was anybody out of the ordinary there waiting for me," she remembers.

Donna (not her real name) had good reason to be nervous. Over the course of 10 years as an assistant vice president of a Southeast regional bank, she'd stolen funds from customers' certificate-of-deposit accounts. Because of personal financial problems with a bad mortgage and a freshman daughter's college costs, she started to get by through pinching funds from the CDs.

Subscribe Now

Access to authoritative analysis and perspective and our data-driven report series.

14-Day Free Trial

No credit card required. Complete access to articles, breaking news and industry data.