Financial System Essays (Examples)
Study Document
Banking Industry Crimes
financial Crimes, Fraud, and Investigation
The banking sector is a critical part of a country’s economy. This is more so the case given that … country’s economy. This is more so the case given that it is actively involved in the holding as well as management of diverse financial assets and the coordination of financial activities for the various other economic sectors. Although at the core of banking is holding of financial assets, other key activities include, but they are not limited to, commercial and personal banking services, insurance, etc. In that regard, therefore, banks … the perspective of a bank institution are inclusive of the government and the various regulatory agencies, customers, investors, employees, other institutions in the financial services sector, etc. In seeking to promote transparency – both within and without – the institutional boundaries, banks must adhere to various strict … one of the most heavily regulated……
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References
Albrecht, W.S., Albrecht, C.C., Albrecht, C.O. & Zimbelman, M.F. (2008). Fraud Examination (3rd ed.). Mason, OH: Cengage Learning.
Dionne, B. (2020). Regions Bank Teller Accused of Stealing Customer Identities Faces Felony Charges. Retrieved https://www.wbrc.com/2020/01/30/regions-bank-teller-accused-stealing-customer-identities-facing-felony-charges/
Golden, T.W., Skalak, S.L. & Clayton, M.M. (2006). A Guide to Forensic Accounting Investigation. Hoboken, NJ: John Wiley & Sons.
Krancher, M., Riley, R. & Wells, T.J. (2010). Forensic Accounting and Fraud Examination. Hoboken, NJ: John Wiley & Sons.
Singleton, T.W., Singleton, A.J. & Bologna, R.J. (2006). Fraud Auditing and Forensic Accounting (3rd ed.). Hoboken, NJ: John Wiley & Sons.
Zagaris, B. (2010). International White Collar Crime: Cases and Materials. New York, NY: Cambridge University Press.
Study Document
Fraud And Abuse In Healthcare
Fraud and abuse present significant problems for the healthcare sector, leading to both financial losses and reduced quality of care. The outcomes of fraud and abuse are similar; but fraud and abuse are legally differentiated based on … designed specifically for NFL players (FBI, 2019). Cases like these illustrate the high stakes involved in healthcare fraud, showing that the lure of financial gain leads multiple stakeholders to make poor ethical decisions.
Abuse cases are typically less cut and dry than fraud cases, but may result … stakeholders to make poor ethical decisions.
Abuse cases are typically less cut and dry than fraud cases, but may result in similarly large financial losses. One frequently cited form of abuse involving Medicare is billing for services that have not been rendered. In many cases the healthcare … are usually outweighed by the subsequent losses when the abuse has been detected.
One of the……
References
References
FBI (2019). Healthcare fraud news. Retrieved from https://www.fbi.gov/investigate/white-collar-crime/health-care-fraud/health-care-fraud-news
“Fraud and Abuse: What’s the Difference?” (2007). The Rheumatologist. 1 Nov, 2007. Retrieved from https://www.the-rheumatologist.org/article/fraud-and-abuse-whats-the-difference/
Magellan Healthcare (2019). Fraud, waste, and abuse. Retrieved from https://www.magellanprovider.com/education/fraud-waste-and-abuse/fraud-waste-abuse-faqs.aspx
Study Document
Higher Education Institutional Crisis And Solutions
… body (California State University Los Angeles, 2020).
Organizational Problem
One of the fundamental problems being faced by California State University, Los Angeles is financial limitations and constraints to facilitate student aid and also university business operations. Statistics indicate that several higher education organizations are experience major financial challenges, facing an increase of 8 percent in the 2017 school year. Furthermore, the declining state funding year after year for higher education … partners to generate new revenue streams. Furthermore, the university needs to set aside outdated strategies for student enrollment and replace them with newer financial aid analytical models that distinguish academic programs. Also, they need to emphasize student life and concentrate on results via a stronger career-counseling network ……
References
References
California State University Los Angeles. (2020). Strategic Plan. Retrieved from: http://www.calstatela.edu/strategicplan
Chavez, M. (2019). Cal State LA has proposed a plan to cut enrollment for incoming freshmen beginning Fall 2020. University Times. Retrieved from: https://csulauniversitytimes.com/operation-impaction/
Finney, J. E. (2014). Why the finance model for public higher education is broken and must be fixed. Public Policy Initiative 2(6).
Wiley Education Services. (2020). Top Challenges Facing U.S. Higher Education. Retrieved from: https://edservices.wiley.com/top-higher-education-challenges/
Unigo. (2020). California State University – Los Angeles: What do you consider the worst thing about your school? Why? Retrieved from: https://www.unigo.com/colleges/california-state-university-los-angeles/q-and-a/what-do-you-consider-the-worst-thing-about-your-school-why-673/1
Mitchell, B. C. (February 22, 2018). America\\\\\\\\\\\\'s colleges and universities have a serious revenue problem. Hechinger Report. Retrieved from: https://hechingerreport.org/opinion-americas-colleges-universities-serious-revenue-problem/
Hussain, S. (February 25, 2019). Cal State L.A.\\\\\\\\\\\\'s plan to raise admissions standards faces pushback from students and faculty. Los Angeles Times. https://www.latimes.com/local/lanow/la-me-edu-cal-state-los-angeles-admissions-20190225-story.html
Zeleza, P. T. (March 12, 2020). Money Matters: The Financial Crises Facing Universities. The Elephant. Retrieved from: https://www.theelephant.info/ideas/2020/03/12/money-matters-the-financial-crises-facing-universities/
Study Document
Self Care Action Plan
… goal for this action plan is self-care. There are six areas of self-care that this action plan focuses on: physical, emotional, cognitive, social, financial and spiritual. The action plan identifies three sub goals within each area and describes the steps that I will take to reach those …
This Action Plan will go through six realms of self-care:
1. Physical Self-Care
2. Emotional Self-Care
3. Cognitive Self-Care
4. Social Self-Care
5. financial Self-Care
6. Spiritual Self-Care
Each specific realm comes with its own requirements. For instance, physical self-care involves dietary and exercise concerns; emotional self-care … health needs (Whelan, 1984). Thus, this action plan will also include a focus on continuing education through reading about physical, emotional, cognitive, social, financial and spiritual health to make sure that up to date information is being applied in the action plan at every step of the … and therefore one worth pursuing.……
References
References
Baumeister, R. F., Campbell, J. D., Krueger, J. I., &Vohs, K. D. (2003). Does high self-esteem cause better performance, interpersonal success, happiness, or healthier lifestyles? Psychological Science in the Public Interest, 4(1), 1–44.
Cosentino, B. W. (2020). Loving Yourself. How to raise your self-esteem.
Dall’Ora, C., Griffiths, P. & Ball, J. (2016). 12-hour shifts: burnout or job satisfaction? Nursing Times, 112(12/13), 1-2.
Maslow, A. H. (1943). A theory of human motivation. Psychological Review, 50(4), 370.
National Academy of Medicine. (2019). Valid and Reliable Survey Instruments to Measure Burnout, Well-Being, and Other Work-Related Dimensions. Retrieved from https://nam.edu/valid-reliable-survey-instruments-measure-burnout-well-work-related-dimensions/
Nursing Theories. (2012). Retrieved from http://currentnursing.com/nursing_theory/self_care_deficit_theory.html
Orem, D.E. (1991). Nursing: Concepts of practice (4th ed.). St. Louis, MO: Mosby-Year Book Inc.
Robinson, R. B., & Frank, D. I. (1994). The relation between self-esteem, sexual activity, and pregnancy. Adolescence, 29(113), 27–35.
Study Document
Self Regulation Proposal
… 2008). Omarova (2011) describes the problematic nature of third-party regulation best in our industry: “Given the complexity and global nature of the modern financial market, any government's attempt to regulate it in a purely unilateral command-and-control manner will inevitably encounter the fundamental problem of regulatory arbitrage, whereby … market, any government's attempt to regulate it in a purely unilateral command-and-control manner will inevitably encounter the fundamental problem of regulatory arbitrage, whereby financial institutions find new ways to get around government rules, thus creating a never-ending spiral of rulemaking and rule evading” (Omarova, 2011, p. 416). … in many cases these fines do not cover the losses caused by the offending firm’s actions—nor are they more than a wrist-slap in financial terms (Greene & Odorski, 2015). The Fair Funds provision of the Sarbanes-Oxley Act (2002) was meant to ensure that fines were placed into … standards and concepts that promote……
References
References
Arner, D. W., Barberis, J., & Buckey, R. P. (2016). FinTech, RegTech, and the reconceptualization of financial regulation. Nw. J. Int'l L. & Bus., 37, 371.
Arnone, M., & Padoan, P. C. (2008). Anti-money laundering by international institutions: a preliminary assessment. European Journal of Law and Economics, 26(3), 361-386.
Greene, E., & Odorski, C. (2015). SEC enforcement in the financial sector: addressing
Omarova, S. T. (2010). Rethinking the future of self-regulation in the financial industry. Brook. J. Int'l L., 35, 665.post-crisis criticism. Bus. L. Int'l, 16, 5.
Omarova, S. T. (2011). Wall street as community of fate: Toward financial industry self-regulation. University of Pennsylvania Law Review, 159(2), 411-492.
Pritchard, A. C. (2003). Self-regulation and securities markets. Regulation, 26, 32.
Study Document
Fiscal Health Of Public Administration
… from all over the world will be able to work for an…[break]…latest in ID technology software so that people could not abuse the system to receive funds, for example, from welfare or Social Security, that are not actually due to them. This system would enhance the existing system and reduce the scale and scope of errors and criminal abuses.
Second, blockchain technology could help as it acts as a digital ledger … the ability of individuals in public administration engage in fraud or deny people services that are their rightful due.
Third, using virtual learning system can promote the application of free education and training for people in the community so that they can obtain skilled jobs for themselves. … training for people in the community so that they can obtain skilled jobs for themselves. One way to do this is through the system of public libraries already in……
References
RReferences
Abiad, A. & Khatiwada, S. (2019). 5 ways technology is improving governance, public service delivery in developing Asia. Retrieved from https://blogs.adb.org/blog/5-ways-technology-improving-governance-public-service-delivery-developing-asia
Florida Tech. (2019). Five global trends in public administration. Retrieved from https://www.fit.edu/your-college-decision/trends-in-public-administration/
McDonald, B. (2017). Measuring the fiscal health of municipalities. Retrieved from https://www.lincolninst.edu/sites/default/files/pubfiles/mcdonald_wp17bm1.pdf
VCU. (2019). Public personnel administration. Retrieved from https://commed.vcu.edu/IntroPH/Management/management/personnel.html
Study Document
Elder Abuse
… abuse and certain instances can be considered unequivocal (Saghafi, Bahramnezhad, Poormollamirza, et al., 2019).
Some types of abuse may go undetected, such as financial abuse or identity theft, which could go unnoticed for years. Healthcare workers often feel powerless to intervene in instances of financial abuse perpetrated by family members because of the fact that the family members are also primary caregivers, and there may also be little … risk factors (Lachs, Teresi, Ramirez, et al., 2016, p. 229). Elder abuse consists of various forms and degrees of physical, sexual, psychological, and financial abuse. It is also important to include self-neglect and general neglect as forms of elder abuse. Furthermore, both men and women can be … than it would seem. Not all cases of elder abuse involve physical or sexual assault, or overt instances of verbal abuse and aggression. financial abuse and psychological abuse vary in their severity;……
References
References
Falk, N. L., Baigis, J., Kopac, C., (August 14, 2012) \\\\\\\\\\\\"Elder Mistreatment and the Elder Justice Act\\\\\\\\\\\\" OJIN: The Online Journal of Issues in Nursing 17(3).
Forum on Global Violence Prevention; Board on Global Health; Institute of Medicine; National Research Council (2014). Ethical considerations. Washington (DC): National Academies Press (US); 2014 Mar 18.
Lacher, S., Wettstein, A., Senn, O., et al. (2016). Types of abuse and risk factors associated with elder abuse. Swiss Medical Weekly 2016(146): 1-10.
Lachs, M.S., Teresi, J.A., Ramirez, M., et al. (2016). The prevalence of ersident-to-resident elder mistreatment in nursing homes. Annals of Internal Medicine 165(4):229-236.
Malmedal, W., Iversen, M.H. & Kilvik, A. (2014). Sexual abuse of older nursing home residents: A literature review. Nursing Research and Practice 2015(Article 902515): http://dx.doi.org/10.1155/2015/902515
Roberto, K.A. (2016). The complexities of elder abuse. American Psychologist 71(4): 302-311.
Saghafi, A., Bahramnezhad, F., Poormollamirza, A., et al. (2019). Examining the ethical challenges in managing elder abuse: a systematic review. Journal of Medical Ethics and History of Medicine 2019(12): https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6642445/
Wangmo, T., Nordstrom, K. & Kressig, R.W. (2017). Preventing elder abuse and neglect in geriatric institutions: Solutions from nursing care providers. Geriatric Nursing 38(5): 385-392.
Study Document
Enterprise Risk Management In Wells Fargo During The Pandemic
… 1) a critical analysis, including a comparison and contrast of Enterprise Risk Management (ERM) vs. traditional risk management; 2) a discussion of hazard, financial, operational and strategic risks; 3) a SWOT analysis of Wells Fargo; 4) an examination of the relationship between organizational culture and ERM; 5) … profit opportunities; 6) two specific ways in which auditors can incorporate ERM into the company’s audits; 7) a discussion of the role of financial derivatives as both risk management and a speculative tool; and 8) a discussion of the ways three leading companies (one domestic and two … is that an action may be taken so long as the risk can be transferred to a third party. Hazard risk in the financial industry in the past has been associated with mortgage backed securities and collateralized debt obligations and credit default swaps. The risk of writing … for which…[break]…premium is determined by……
References
References
Beasley, M. (2020). How to Leverage ERM Principles to Better Respond to COVID-19-Related Risks. ERM Professional Insights.
Derysh, I. (2020). Watchdog questions why Wells Fargo reported giving only one large PPP loan to a Black-owned business. Retrieved from https://www.salon.com/2020/07/22/watchdog-questions-why-wells-fargo-reported-giving-only-one-large-ppp-loan-to-a-black-owned-business/
English, C. (2020). Wells Fargo Forced to Cut Its Dividend After Fed Stress Test. Here’s What Other Banks Did. Retrieved from https://www.barrons.com/articles/wells-fargo-forced-to-cut-its-dividend-after-fed-stress-test-51593467664
Hall, J. (2007). Internal Auditing and ERM: Fitting in and Adding Value. Retrieved from https://global.theiia.org/about/about-the-iia/Public Documents/Sawyer_Award_2007.pdf
Kaplan, R. & Mikes, A. (2012). Managing risks: A new framework. Harvard Business Review, 3.
Lewis, M. (2010). The Big Short. NY: W. W. Norton.
Lundqvist, S. (2014). Abandoning Silos for Integration: Implementing Enterprise Risk Management and Risk Governance. Lund University.
Morgenson, G. (2020). More Wells Fargo customers say the bank decided to pause their mortgage payments without asking. Retrieved from https://www.nbcnews.com/business/personal-finance/more-wells-fargo-customers-say-bank-decided-pause-their-mortgage-n1234610
Study Document
Twitter External Internal Analysis Report To CEO
… billions of online impressions of tweets (C-141)
· Immediate data generator, every time a tweet is published, data is created(C-142)
2.2. Weaknesses
· financial weaknesses - unable to generate profit until 2018, in deficit of over $2.6 billion, marginal revenue increases, unreliable profitability (C-138)
· Slow growth ……
References
References
Thompson, Arthur A.,. (2015). Crafting and Executing Strategy: Concepts and Readings..New York: McGraw-Hill Education, (pp. 138-148)
Study Document
Higher Education Labor Rights Faculty Tenure
… extenuating circumstances may enable the educational institution to sever the contract and terminate the tenured faculty. One of those extenuating circumstances would be financial exigency: an unavoidable and unfortunate situation in which the institution experiences severe budget shortfalls and must completely reconsider reallocating resources in order to … academic freedom protects faculty who advocate on behalf of their students, their universities, and their communities,” (p. 129). Although critics of the tenure system point out that the vast majority of university and college faculty do not enjoy the protections of tenure including its attendant academic freedoms … appointments are currently not on the tenure track at all (Curnalia & Mermer, 2018). University administrators face mounting pressure to keep their institutions financial viable, which further undermines their ability to expand opportunities for tenure. Conflicts of interest have also plagued university administrators attempting to balance the … undermines their ability to expand……
References
References
Alleman, N.F. & Haviland, D. (2017). “I expect to be engaged as an equal”: collegiality expectations of full-time, non-tenure-track faculty members. High Educ (2017) 74: 527. https://doi.org/10.1007/s10734-016-0062-4
American Association of University Professors (AAUP 2019). Tenure. Retrieved from: https://www.aaup.org/issues/tenure
Curnalia, R. M. L., & Mermer, D. (2018). Renewing our commitment to tenure, academic freedom, and shared governance to navigate challenges in higher education. Review of Communication, 18(2), 129–139.doi:10.1080/15358593.2018.1438645
Eastman, N. J., & Boyles, D. (2015). In defense of academic freedom and faculty governance: John Dewey, the 100th anniversary of the AAUP, and the Threat of Corporatization
Mitchell, M., Palacios, V. & Leachman, M. (2015). States are still funding higher education below pre-recession levels. Journal of Collective Bargaining in the Academy, April 2015, Article 71. Retrieved from: https://thekeep.eiu.edu/cgi/viewcontent.cgi?article=1524&context=jcba
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