Which of the following people is most likely to have

opportunities to commit fraud?

Robin is a convicted bank robber who has been out of

jail for $7$ years and is working for a small firm whose

manager knows about Robin's criminal background.

Terry is a recent high school graduate who loves

shopping and is on the lookout for a job.

Payton was just hired by a company but is always

acting suspicious.

Sixty$-$two$-$year$-$old Harper has loyally worked the way

up the company's corporate ladder for the past $24$

years.