Are the low-level employees more to blame, or the managers? Were both in a conflict of interest situation?

Wells Fargo case study

In 2016, Well Fargo was fined a combined total $185 million for fraudulent activity, and CEO John Stumpf resigned. Between 2011 and 2016, approximately 5,300 employees were fired for fraudulent sales practices. Sales quotas were eliminated effective January 1, 2017.
Ethical Insight
Wells Fargo has a fiduciary duty to treat its customers fairly. The bank offered many different services to its customers. But the bank’s management set unrealistically high sales goals for its employees, encouraging many employees to game the system. If a customer bought one service, employees were urged to “cross-sell” several more. “Eight is great” was the company mantra. The only way that Wells Fargo employees could meet their unrealistic sales targets, and thereby keep their jobs, was to make up accounts that customers had not requested and often didn’t even know they were being charged for. Employees fabricated millions of fraudulent accounts in order to keep their bosses happy and remain employed. It was a classic conflict of interest.
Case Questions
1. In what ways does this case study demonstrate conflict of interest?
2. In what ways did company culture and compensation at Wells Fargo encourage incentive-based fraud (gaming)?
3. Although Wells Fargo attempted to curb fraudulent activity with an ethics workshop and change in compensation structure, the company continued to find fraudulent accounts being opened by employees. Why do you think this continued to occur? What do you think Wells Fargo could have done to better curb fraudulent activity?
4. Are the low-level employees more to blame, or the managers? Were both in a conflict of interest situation?
5. Many employees admitted that they knew what they were doing was wrong but continued to open fraudulent accounts. Do you think their actions were in any way ethically justifiable? Why or why not? If you were in their position, what would you have done? Losing your job is tough. Losing sleep at night because you knowingly ripped off a customer might be tougher. How would you resolve such a conflict of interest?

Partial List of Possible Resources to Use in Addition to Videos/Documents on course website
Wells Fargo Fined $185 Million for Fraudulently Opening Accounts

The Wells Fargo Fake Accounts Scandal Just Got a Lot Worse
http://fortune.com/2017/08/31/wells-fargo-increases-fake-account-estimate/
Former Wells Fargo Employees Describe Toxic Sales Culture, Even At HQ
https://www.npr.org/2016/10/04/496508361/former-wells-fargo-employees-describe-toxic-sales-culture-even-at-hq
Wells Fargo Warned Workers Against Sham Accounts, but ‘They Needed a Paycheck’

Wells Fargo’s pressure-cooker sales culture comes at a cost
http://www.latimes.com/business/la-fi-wells-fargo-sale-pressure-20131222-story.html
Wells Fargo is eliminating retail sales goals after settlement over aggressive tactics
http://www.latimes.com/business/la-fi-wells-fargo-sales-20160913-snap-story.html

Provide the answers to the questions you ask the interviewee, and include a section that discusses how this experience has helped you in your educational journey to better understand sport management, leadership, and best practices in sport.

BSM 4101 Unit V Interview

Facility Visit/Interview
For this assignment, you will visit a different facility and conduct an interview with a different person than in Unit II. The interview for this assignment should take place in a recreation department within your local community, the YMCA, a middle/high school, or another sport facility that serves the youth of your community.
You will interview the sport recreation manager or athletics director from that facility. If this is not an option for you, you may elect to conduct a personal interview with the director or manager via phone, email, Skype, Zoom, Join Me, or any other conference-friendly application that will yield the answers to questions posed in the interview.
Create at least five to seven questions to ask this individual. The following sport-related topics are suggestions that may assist you as you generate your questions:
social impact of youth and community sports, cultural impact of youth and community sports, legal impact of youth and community sports, economic impact of youth and community sports, social impact of interscholastic sports, cultural impact of interscholastic sports, legal impact of interscholastic sports, and economic impact of interscholastic sports.
Provide the answers to the questions you ask the interviewee, and include a section that discusses how this experience has helped you in your educational journey to better understand sport management, leadership, and best practices in sport.
The organization of your paper should resemble the following:
Title page: Include your name, the assignment title, and the name of the university.
Introduction: Provide a brief introduction of the assignment.
Body: List the questions and responses from your interview.
Conclusion: Provide a brief conclusion that wraps up the elements of the interview, including how this experience has helped you.
Reference page: If you use content from the textbook, be sure to include this as a source on your reference page.
Your paper should be a minimum of two pages in length, not counting the title and reference pages. Your paper should be typed in 12-point, Times New Roman font; be double-spaced; and include page headers. References and in-text citations should be formatted using APA style. Also, remember to cite personal communication in-text only. Examples on how to cite personal communication can be found below:
T. S. Smith

Discuss any relevant extracurricular activities or work experience that you feel is applicable.

Statement of Purpose

Include a typed statement addressing your reasons for applying to the Business Administration school. Indicate how you expect the minor/major to contribute to your undergraduate education and future career plans.

Discuss any relevant extracurricular activities or work experience that you feel is applicable. It is recommended the Statement be pre-written in a word processor and then copy/paste into the box below. Note, the average Statement of Purpose length is 1.5 pages.

What was the size of the sample used to find the average? What is the source of the data? How was the data collected?

Data analysis portfolio

Answer the following questions. If you cannot find an answer for a question, explain what effect this might have on the information in the article.
Which kind of average has been used?

What was the size of the sample used to find the average?

What is the source of the data? How was the data collected?

Do you think the average was chosen to give valid and reliable results, or to attract the most readers?

Submit this final section of your Marketing Plan attached as a MS Word file.

Marketing Plan: Final Plan Assignment Instructions

Overview
You must comprehensively address each topic and submit by the end of the assigned module: week. For this assignment, you will complete your marketing plan, focusing on the Final Plan Section. Remember to combine previous sections with this final section for a complete Marketing Plan submission. Current edition of APA formatting is required.
Instructions
The following apply to all four marketing plan sections:
Weekly and earlier text readings will have covered many of the topics in this section. Outside research is encouraged and must be referenced accordingly. Comprehensively discuss each topic in this section.
Submit this final section of your Marketing Plan (MP) attached as a MS Word file. Include all earlier sections. This section must address the following topics:
Marketing Plan: Final Plan Assignment
6.1          Product Strategy
6.2         Price Strategy
6.3          Promotion Strategy
6.4          Place Strategy
7.0       Financial Data and Projections
7.1          Past Sales Revenues
7.2        Five-Year Projections

Evaluate the control chart and process metrics using Statistical Process Control methods. Determine whether the process could benefit from the use of Six Sigma, Lean, or other tools.

Control chart and process metrics

Complete the following in Excel:

Calculate the defined process metrics including variation and process capability.
Develop and display a control chart for the process.
Evaluate the control chart and process metrics using Statistical Process Control methods. Determine whether the process could benefit from the use of Six Sigma, Lean, or other tools.

Information based upon the utilizing product efficiently such as pieces of glass cut into (x) properly with no waste.

Identify at least one international business partner in the target country and provide contact informationFor instance

International Business
For the purpose of this exam assignment, please complete the following steps:

Select 1 product from THOMASNET https://www.thomasnet.com/browse/). No need to coordinate your product selection with other students or with the instructor. For verification and grading purposes, please include a 1-page screenshot in PDF of your chosen product description on the company web site to your Final exam report .

Based on the chosen product, conduct a comprehensive market research and find the best market for your client’s international business expansion. You must use the step-by-step international market research methodology.  The step-by-step methodology can be found in one of my PPPs or directly at http://2016.export.gov/mrktresearch/eg_main_018210.asp.

Identify at least one international business partner in the target country and provide contact informationFor instance: https://www.exportsolutions.com/About, https://globaledge.msu.edu/global-resources/trade-leads, or other alternative reputable sources.

Can press releases be outdated by social media in the 2020s?

Press releases in the 2020s

Research title:
Press releases in the 2020s
Research question:
Can press releases be outdated by social media in the 2020s?

Fill out the attached proposal form regarding the instructions.
The dates for project milestones should be starting in the beginning of September.
Please use attached essay as a source.

What are key developmental times in your life and the influencing factors that led to who you are today?

OVERVIEW
The purpose of this paper is for you to demonstrate your ability to apply a working knowledge of the theories, terminology, and concepts of human growth and development. You will discuss your own development over your lifetime and how it relates to the developmental concepts discussed throughout this course.

Analyze your life as it relates to the key aspects of human growth and development. What are key developmental times in your life and the influencing factors that led to who you are today?

Compute the coefficient of Determination? Would you recommend the regression model for the purpose of estimation?

Problem Solving: Methods and Analysis to submit on the 5th of May by 8pm
There are 2 parts as below:
1. Prepare a research proposal as per given guidelines
2. Perform data analysis and report your results as per given guidelines
End-references and appendices are not included in the word count.
You have to briefly explain your research topic and why it is relevant. It may be a problem which needs a solution or a question which needs an answer or a theory which needs further development.
Literature review:
Discuss the literature relevant to your research topic and reference them . A minimum of 5 references are needed. Explain how your topic fits in the debate. Explain how your topic will contribute to the existing literature.
Proposed data type and collection techniques:
Explain whether you plan to use primary or secondary data. Also elaborate on the source of the data and the proposed collection techniques which will be used to obtain the data.
Proposed methodology:
Explain your research design, the proposed methodology and the reason for choosing the same.
Using any data analysis tool of your choice, examine the case-study and answer the questions below:
The Dow Jones Industrial Average  and the Standard & Poor 500 Index are both used as measures of overall movement in the stock market. The DJIA is based on the price movements of 30 large companies; the S&P 500 is an index composed of 500 stocks. Some say the S&P 500 is a better measure of stock market performance because it is broader based. The closing price for the DJIA and the S&P 500 for 10 weeks, beginning with February 11,2000 are shown .
1. Develop a scatter diagram for these data and interpret the same.
2. Compute the sample correlation coefficient for these data.
3. Are they poorly correlated, or do they have a close association?
4. Develop the least squares estimated regression equation
5. Compute the coefficient of Determination? Would you recommend the regression model for the purpose of estimation?