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Do you believe the Wells Fargo cross-selling scandal stemmed primarily from a failure of Compliance or of Ethics? Please explain. Feel free to use publicly

Do you believe the Wells Fargo cross-selling scandal stemmed primarily from a failure of Compliance or of Ethics? Please explain.

Feel free to use publicly available information if you would like, and please cite any such information. 

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The Wells Fargo crossselling scandal which occurred in 2016 involved employees opening unauthorized bank and credit card accounts on behalf of custome... blur-text-image

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