The Wells Fargo scandal demonstrates clearly that although a few bad apples in an organization can be problematic, systemic corporate compliance and ethics failures are largely a result of the conditions of the barrel, not the apples inside. In early 2016, Wells Fargo had a sterling corporate reputation. Yet under that veneer, toxic micro-cultures and compliance gaps were breeding practices that would eventually cost the bank tens of billions of dollars in fines and lost market value. In this second installment in a three-part guest article series, Forensic Risk Alliance’s Matthew Bedan applies the principles of behavioral science to the facts of the Wells Fargo case to demonstrate how everyday biases can lead to wide-spread misconduct. See “Behavioral Science Lessons From the Wells Fargo Scandal: Culture Eats Compliance for Lunch” (Nov. 28, 2018).