It was late September last year. Minto had just heard that then-CEO John Stumpf apologized in front of a Senate panel for a major scandal that rocked Wells Fargo. Employees had created up to 2 million fraudulent accounts in the names of real consumers. Senator after senator blasted Stumpf, many expressing disbelief that the San Francisco bank could do such a thing.

If only they had met Minto 15 years earlier.

In 2001, Minto was an assistant branch manager in San Rafael when he started to notice troubling behavior: Some employees were signing up unusually large numbers of customers. One particular banker recruited more than two dozen customers in a single day. READ MORE