[Chambo]

unfortunately until things are brought in the open they rarely get fixed. I agree most of the time it is a rogue employee that backdoors a deal not the bank itself. That said the bank is responsible for the people it hires and the security policies it uses to protect the companies that send them deals. I would bet most of these banks dont have any security measures in place to stop this from happening. That makes it the banks fault

The issue is, whether from the top, or just a rogue employee, the company is responsible and should take that responsibility. Pointing finger at rogue employee and not taking the hits is immature passing the buck, and unrealistic (and would never, ever hold up in court shoudl one of these merchants or ISO's ever sue)