A bank's credit manager's responsibility was to make loans to customers. Auditors discovered that several loans he made over a five-year period had not been repaid. A fraud investigation revealed that the manager had been receiving kickbacks from risky clients in exchange for extending loans to them. His actions cost the bank millions of dollars in uncollectible loans that should never have been made. You have been asked to offer ideas on the following: How might the bank determine the amount of kickbacks received by the manager? What advice would you offer so the situation does not repeat itself with another manager