Which person is most likely to have opportunities to commit fraud?

Steve was just hired by his company but he acts suspiciously.

$62-$year$-$old Dave is a trusted employee who has loyally worked up his company's corporate ladder for the past $24$ years.

Janet is a recent high school graduate who loves shopping. She just got her first full$-$time job.

Jane is a convicted felon who has been out of jail for $7$ years and is working for a small firm whose manager knows about Jane's criminal background.