[johngalt]

Organized crime would be more... organized. There would be servers, infrastructure and documentation. Designed to say exactly the right thing to whoever was looking.

This is garden variety, SMB fraud.

"We trust Tim, and never had a problem so we don't need to invest in all these controls. Tim is really vehement that the controls are useless and he's refusing to participate. No we won't make him comply. No we don't see any conflict here. Please continue to fix the problem anyway."