Well the traditional banks have been dealing with exactly this kind of threat for a long time.<p>There&#x27;s a load of practices that are designed to stop this kind of problem in that world.<p>Things like :-<p>- Enforced holidays.  Frauds are hard to maintain when you&#x27;re not there to keep cooking the books.
 - Audit reviews.  an independant function with the ability and authority to review key processes
 - split authority.  Key actions need multiple people to complete (statistically fraud incidence drops a lot when you need multiple people involved)
 - Strong background checking.  When I worked at a bank they went back 10 years of employment history and required accounting for any gaps. + credit checking + criminal record checking etc.<p>It&#x27;s all possible, just quite expensive...