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  • And this has come out now and this has [blown up]{爆炸} into a giant banking scandal.

  • paid a huge [fine]{罚金}

  • [Capitol Hill]{美国国会}

  • [Elizabeth Warren]{人名}

  • You haven’t returned a single [nickel]{5分镍币} of your personal earnings.

  • Instead, [evidently]{似乎}, your definition of [accountable]{应作解释的} is to push the blame to your low-level employees who don’t have the money for a fancy PR firm to [defend]{为…辩解} themselves.

  • It’s [gutless]{怯懦的} leadership.

  • Like, this was such a [systemic]{涉及全系统的} thing that was taught.

  • [scam]{诈骗}

  • it’s a pretty [plain]{简朴的} stone-and-glass [skyscraper]{摩天大楼} building right in downtown San Francisco.

  • [Stiletto heels]{细高跟鞋}, about a pound of [hairspray]{喷发胶} and [bobby pins]{发夹} in my hair.

  • the sky was the [ceiling]{天花板}.

  • [folksy]{质朴友好的} bank

  • [sparkly]{闪耀的} eyes

  • In fact, there is a giant [antique]{古董} [stagecoach]{驿站马车} [parked]{停放} right there in the lobby next to where Ashley worked.

  • And what he says is they would do is that they would [leverage]{影响力} this [wholesome]{健康的} reputation to get people to [sign up]{签约} for accounts.

  • Now, every bank tries to [upsell]{增销} people.

  • [multiple]{多种的} savings accounts perhaps

  • This was a corporate [priority]{优先事项}.

  • He had a [slogan]{口号}, which was eight is great

  • this wasn’t just some [aspirational]{有抱负的} thing.

  • [Crocker]{克罗克(地名)} branch in San Francisco, and a bank [robber]{强盗} comes in

  • Cops were [swarming]{成群移动}.

  • the guy jumps the [counter]{柜台}. It was a crazy big [fiasco]{惨败}. And they had the guy [detained]{拘留}. He, like, [crapped]{拉屎} his pants.

  • Dial for dollars.- a local television program

  • it was a [boiler]{锅炉} room.

  • a profile in Fortune magazine called Wells Fargo a rare [upbeat]{乐观的} [tale]{故事} [amid]{在…中} the banking [wreckage]{废墟}.

  • not [exhaustion]{精疲力竭}.

  • It’s [striking]{打击} that she and her colleagues were pretty young.

  • the pressure there was just [crippling]{压垮}.

  • and it was a [grind house]{刑房}.

  • The pressure was [overwhelming]{压倒一切的}

  • I mean, we saw this in the [mortgage]{抵押贷款} crisis too, right?

  • And they start figuring out ways to take [shortcuts]{近路}, to [fudge]{篡改} that number.

  • certificate of [deposit ]{存款}

  • Say someone wants a [home equity loan]{房屋净值贷款} - you could add a [personal line of credit]{个人信用贷款} into the [stack]{一叠} of papers they were signing.

  • that will affect their [credit rating]{心哟个评级}.

  • He had a [cane]{手杖}.

  • The [teller]{出纳员} had sent him over to me the first day I met him because he was [overdraft]{透支}.

  • Well, he had [accrued]{累计}, I think, over $200 in overdrafts.

  • Ashley [waived]{免除} all the fees that the system would let her waive for this guy.

  • Wells Fargo would [brag]{吹嘘} to top investors.

  • this was being [heralded]{宣布} from the rooftops here.

  • Ashley says Wells Fargo [bigwigs]{大亨} would walk by her desk.

  • these people were [fixtures]{长期驻守的人}.

  • The scam started to [unravel]{解开} in 2013.

  • So after that, [regulators]{监管机构} started to come in.

  • the biggest [penalty]{罚款}

  • It [estimated]{估计} there might have been more than 2 million unwanted accounts.

  • pretty small in the big [scheme]{体系} of banking.

  • And Wells Fargo [spokesman]{发言人} Oscar Cirrus read us this prepared statement.

  • these [allegations]{指责} and [accusations]{指控} are very serious. And if any of these things [transpired]{出现}, it’s [distressing]{痛苦} and it’s not who Wells Fargo is.

  • His eyes, he said, were [twitching]{痉挛}.

  • [unrealistic]{不切实际的}

Wells Fargo造假丑闻

美国第三大银行Wells Fargo陷入丑闻被指造假,在客户或许并不知情的情况下开设了超过200万个账户,涉及活期储蓄账户、信用卡、贷款。

Wells Fargo应对该丑闻的措施是开除了超5000个基层员工。

美国消费者金融保护局(CFPB)向其开出了该机构史上最大的一笔罚单1.85亿美元。

Wells Fargo的CEO-John Stumpf的座右铭”eight is great”

过高的销售指标压力成为员工们造假的一大原因,员工每天需要拨打上百个电话。

前职员Ashley的小故事,旧金山克罗克分行被抢,嫌犯被抓,在银行大厅满是警察吵闹混乱的情况下,其主管依旧要求她不停的打销售电话。

管理层对底下员工的不道德甚至违法行为睁一只眼闭一只眼。