What additional or meaningful response do you have on student's paragraph below about characteristics of person likely to perpetrate a large fraud, debated his decision over person with these characteristics, and gave reasons why a person is likely to be a fraud perpetrator than person with different characteristics?

Characteristics of person to commit fraud is someone in high position of responsibility, which is costly and cause damage. Fraud perpetrator has no prior fraud charges/convictions. Offender is between age of 31-45, and is male than female. Executive-level frauds take longer to detect, undetected longer, could grow and large scale fraud. More than 80 percent of frauds committed by individuals in accounting, operations, sales, executive/upper management, customer service or purchasing. Fraudsters display warning signs they engage in illicit activity, single most common behavioral red flags shown by perpetrators is living beyond their means. Management that drive nice cars, have boats, big houses and vacation a lot are under the scope for investigation. Anyone going through divorce, death in the family or major event that take place are likely to commit fraud as well.