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If we look at the history of the capital markets, the trend is to replace "old boys networks" with standardization and commodization.Two hundred years ago this began for public equities, with the creation of stock markets. Before then, all shares were as illiquid as startup shares.In the past hundred years we've seen the same trend in banking. Your credit score replaced your relationship with the local banker.We've seen futures, options, and mutual funds become tradable online, with no intermediaries. Min the last few decades you can buy gold directly, and have it held for you in a secure warehouse.Buying a house in most states is in the midst of commodization, with standardized forms and contracts, albeit now with hundreds of signatures.Equity crowdfunding is the first foray in this trend for startup funding. This process will likely take decades, but at some time in the future you'll login to Fidelity or Schwabe or eTrade and find a screenful of startup offers, with the VC role morphed into something more akin to a mutual fund manager or investment advisor.When startup capital grows beyond San Francisco, New York, Seattle etc. to be most everywhere, 100x in size beyond what we see today, the financial markets will take the keys away from the old boys.

Yes, what you say is correct. Bank employee knows everything about a customer. He can do what you say BUT NOT. Now you will say. WHY ?Bank's business is entirely dependent on Trust / faith. To ensure that, the banks are taking appropriate steps.It starts from the day of recruitment. While recruiting adequate care is taken by getting police clearance, acceptable references, character certificates.From the day one, lessons on fidelity are taught. Adequate knowledge is imparted to make competent. Negligence is avoided. Preventive vigilance is done & secret eyes are kept on Employees & are looking the movements of an employee. Even, lifestyle of the employee is observed.There is a concept of maker - checker in the banking. This means that, any transaction which is entered by one is checked by other, normally an officer / supervisor. Similarly, signature is checked by another officer & if the cheque exceeds, certain amount, it is checked by two officers.In addition to this, there are various types of audits to take care. Still, the possibility can't be ruled out for ever. The chances are minunused.There is a system of declaring assets and liabilities at the end of March every year by officers of the bank. They are verified and preserved.Inspite of this, if it happens, it is treated as fraud and both internal and external agencies are punishing. This goes up to dismissal / termination & imprisonment.All these factors, minimise the chances of fraud of such type.

Follow The Money:The destruction of the Soviet Union, the Great Ruble Scam and 9 federal court cases were the events that preceded and necessitated 911:With an understanding of the economic war being waged on the Soviet Union, the focus needs to turn to reports that on September 11, 1991, President George Bush was responsible for issuing $240 billion dollars in secretive bonds as a part of this attack.There are six lines of evidence from eight sources that suggest this was indeed the case. Many of these instances are corroborated with documents available on the internet, presented by those making the claims.1. There has been a body of investigative reporting that suggests that between 1991 and 1992, the ruble was under a massive attack, with an unknown source of funding. The capital flight from the Soviet Union in U.S. dollars was estimated by Fidel Castro at $500 billion, and by Gorbachev at one trillion dollars. Somebody had to put up the lion’s share of funding for those dollars. The most authoritative source on the subject, Claire Sterling, writes that unknown intelligence operations were behind the attack.“The fact that scarcely anyone outside Russia has heard of the Great Ruble Scam may be explained partly by its seemingly unbelievable details, but partly, too, by Western reluctance to touch exquisitely sensitive political nerves. Western governments rejoicing in the collapse of the evil empire wanted to assume, and to all appearances did assume, that all the evils in an emerging democracy emanated from politicians identified with the fallen communist state. Not one was prepared to acknowledge indelicate evidence to the contrary. The ability of three or four characters to mount such a planet wide operation, their extraordinary impact on what was still a world superpower, and their singular immunity from beginning to end suggest the guiding hand of not just one, but several intelligence agencies.”Documentation supporting the contention that there was ‘cash’ in this order of magnitude floating around Russia in 1991 and 1992 is also found in Stephen Handelman’s book Comrade Criminal. Handelman, who appears to have had access to KGB files brought back to the U.S. after the collapse of the Soviet Union, notes that prior to 1991, the Russian Communist Party had a reserve of 435 billion rubles of ‘freely convertible hard currency,” and that in the summer after the coup, there were unnamed individuals in Russia who could provide up to 300 billion rubles on a months notice. In the former instance 435 billion rubles in July of 1991 converts into $240 billion. This fund was converted and moved out of the Soviet Union, and the ruble scam would have needed to provide hard dollars in that order of magnitude. A year later, Handelman’s second examples suggests criminal individuals had at their disposal $3 to $4.5 billion on short notice. By comparison, at the same time, the U.S. Congress could not pass a $10 billion appropriation bill due to mandatory budget ceiling constraints.2. Andrei Kozlov, First Deputy Head of Russia’s Central Bank, was heading an investigation into the loss and reported the theft at 400 billion rubles from the Central Bank in 1991. (Not to be confused with a similar scam run out of Chechnya in 1992 on a much smaller order of magnitude.) These rubles were stolen by someone putting hard currency securities in remote Chechen banks as collateral for Russian loans and then making the collateral notes disappear from the remote banks at the same time the funds were being withdrawn. While the black-market value of a ruble was about $1, the ‘official’ conversion rate at the time was 1.8 rubles/dollar. Using the official US dollar equivalent for 400 billion rubles, the theft converted to $222 billion. Kozlov was gunned down shortly after announcing he was close to understanding where the 400 billion rubles went. The head of the Central Bank at that time – former KGB official Georgy Matyuhin – who authorized these credits, on behalf of Yeltsin an at the request of Yeltsin’s First Deputy, Khasbulatov was retired after he was reported to be a CIA asset.3. Mrs. V.K. Durham, wife of Russell Herman, who was a fund controller for the CIA’s covert fund, has contended in sworn testimony that George H.W. Bush, Oliver North and Alan Greenspan forced her husband into relinquishing the funding for the bonds on that date. They later forged Hermann’s signature on related financial transactions. She also claims they were responsible for his death three years later because Hermann believed these funds were the property of the U.S. citizens rather than the private slush fund of the Bush circle, and protested the manner in which they were being used. Wanta has since maintained a similar stance, that the earnings from his covert operations should be public funds rather than a covert slush funds used by U.S. presidents.4. Several sources from the Office of Naval Investigation (ONI) have released over 100 pages of bank transactions detailing transactions in the range of 100s of billions of dollars. These are the same files released also by Derek Vreeland from a Canadian prison, from which he warned his guards about the forthcoming attack on the World Trade Center. Vreeland contended he was an ONI operative. The files cover three periods of transactions which correspond to this covert war on the Soviet Union; While the transactions do not directly show securities going to the Soviet Union, they do support the theory that the Bush Vulcans were spending massive amounts of cash in a manner inconsistent with US Federal budget spending caps in effect at the time, and moving massive funding into covert accounts at key trust funds – most notably Pilgrim Investments, to the account of “Jorge” Bush. (Jorge is Spanish for George)• the first series of transactions in August to October 1989 coincides with the Mexican and Latin American debt resettlement. During this period it has been contended that Bush was responsible for generating 300 hundred billion dollars in illegal earnings by making other countries debt collateral disappear for a few months, while whoever was holding this collateral profited from August 11 to October 6 on what is known as a period of a rare “inverted yield curve.”• the second series of transactions from September 24 to October 10, 1990 period would most likely represent funding for the purchase of the Soviet gold treasury, and the movement of Communist Party funds out of the Soviet Union. Leo Wanta reports having started his efforts at this time.• the third series of transactions from May 27-28th 1991 would most likely represent funding for his Ruble destabilization program.5. Documents released from Leo Wanta’s files for these bonds provide great detail about the Soviet deals:• These bonds were used to fund an undesignated “joint venture” with Russia.Coincidentally, On 14 September 1991, Vladimir Shcherbakov, the last First Deputy Prime Minister of the Soviet Union, formed the International Foundation for Privatization and Private Investment (FPI) with two other partners. The second partner has never been revealed. The third partner was the now notorious Austrian firm, Nordex GmbH. The International Foundation for Privatization and Private Investment (FPI) would be one of the major organizations involved in the Bank of New York money-laundering scandal and a major crime front. Interpol would be reported as making Marc Rich one of the founders of Nordex. Marc Rich would be pardoned by President William Clinton, presumably for his services to the US in arranging for the collapse of the Soviet Union, although the reasons for his pardon have never been made public.• These bonds were backed by Swiss gold held in vault in the free trade zone in Kloten, Switzerland.The Kloten repository resides at the Zurich airport, which the Marcos gold hoard as well as the stolen Soviet treasury gold was reported as being stored at.“... tons of the loot was liberated by Ferdinand Marcos before his ouster. Billions of dollars worth were shipped overseas by American intelligence agents and the Mafia. Much of the horde was cabbaged away in a high-security, subterranean storage cache buried beneath the Zurich airport.• The bonds were made conditional to loan acceptance by government officials in the USSR.• These bonds provided, in part, of payments of currency from Lehman of at least $100 million per day for an indefinite period of time.• These bonds provided, cash funneled to Russia through the Deutschebank.6. Depositions on Project Hammer seems inextricably linked to the same banks and funds as the information being documented by Vreeland, ONI and Wanta:• General Earl Cock’s deathbed deposition in April 2000 describes Citibank’s and John Reed’s central involvement in Project Hammer in the last quarter of 1991 as being funded with $223 billion dollars, of mostly CIA moneys. Cocke also references the use of baby bonds to collaterize these funds, which are 10 year bonds. Cocke describes the source of these funds as “accounts, participants or players” with the accounts converting to bank ownership upon the death of the controlling party, and then to the government. This matches exactly what Sterling and Peggy Seagrave claim happens to the gold accounts opened by agents of the US;• Roelfo Van Rooyen’s deposition in 1995 describes Project Hammer as a 1991 CIA operation.Information and documents released from 9 independent sources all merge into the same story:1. Leo Wanta – imprisoned on trumped up tax charges to keep him quiet.2. U.S. Of ce of Naval Intelligence – destroyed on September 11 to keep them quiet.3. Derek Vreeland– imprisoned to keep him quiet, now in hiding.4. Major Colonel Erle Cocke – deathbed confession of co-conspirator.5. Andrei Kozlov– Russian Central Bank director, gunned down to keep him quiet.6. Claire Sterling – international correspondent co-opted and hired by CIA to keep her quiet. Deceased.7. V.K. Durham – ignored, but not silenced.8. Sterling and Peggy Seagrave – authors and historians, received multiple death threats to prevent publication of their book on the Marcos Gold– now in hiding;9. David Guyatt, independent reporter and published author.WHY September 11thThe Cover-up Of The Black Eagle Trust and Project HammerWith the bonds out in the market, they sat for ten years, like a ticking time bomb. At some point, they had to be settled -or cashed in, on September 11, 2001. The two firms in the U.S. most likely to be handling them would be Cantor Fitzgerald and Eurobrokers – the two largest government securities firms in the U.S. The federal agency mostly involved in investigating those transactions was the Office of Naval IntelligenceOn that day, those same three organizations: the two largest government securities brokers and the Office of Naval Intelligence in the US took near direct hits. Actually, the jetliners hit immediately below the targeted offices, assuring that the flames would engulf the floors above. This targeting strategy was also used on the 23rd floor of the North tower, which was an FBI evidence repository holding information on allegedly illegal gold transactions.The attacks had a related agenda. It seems that the covert Cold War operation started in 1989 had resulted in a series of foreign and U.S. allegations of financial impropriety, and as a result there were at least nine federal investigations being conducted into bank accounts related to these operations. All of these investigations were initiated in the 1997-98 time-frame, which was the same year that Osama Bin Laden - after twenty years of recruiting Mujahadeen for the U.S. covert wars - announced a fatwa against the US. (A key understanding here is that federal investigations are preceded by a period of ‘quiet’ investigation before an official investigation is publicly announced.)1. The Marcos Gold Hearing began in Los Angeles, in August 1997. The banks and accounts involved in that hearing, were the Swiss banks: UBS, and Bank Julius Baer.2. The Eizenstatz Report and a public campaign waged by the Simon Wiesenthal Center launched suits against three Swiss banks.3. The Reginald Howe suit in which the U.S. bullion banks were accused of dumping U.S. Treasury gold on the market illegally. The Reginald Howe & GATA Lawsuit was led on Jan 8, 2000 naming Deutschebank (a.k.a. Deutschebank Alex Brown), U.S. Treasury, Alan Greenspan, Federal Reserve, Citibank, Chase, as defendants. Also mentioned as having non-public knowledge of the scheme are Gerald Corrigan and Barrick Gold. (The 2000 filing suggests investigations began long before.)4. The Bank of New York money laundering scandal: the Department of Justice was under pressure to investigate accounts of multiple individuals who bene ted from these transactions: Loutchansky, Marc Rich and Berezovsky (Berezovskii.) The FBI investigation started in the Fall of 1998, The investor lawsuit was opened in September 1999. These investigations involved accounts at Credit Suisse, Union Bank of Switzerland (UBS), Dresdner Bank, Westdeutsche Landesbank and Banque Internacionale of Luxembourg All of these individual would at some point be mentioned as playing a role in the money laundering scandal at the Bank of New York, that would ultimately be reopened in 2002, after being buried for three years by federal prosecutor Mary Jo White, a rst cousin to former President George Bush.5. The Avisma law suit was led Aug 19, 1999 naming as defendants Bank Menatep, Harvard Institute for International Development, and the Bank of New York;6. The federal investigation of Konanykhine’s European Union Bank: The Konanykhine investigation was begun by the INS in February 1999. Other banks included in that investigation would have been the European Union Bank and Bank Menatep.7. Richard Giffen/Mobil Oil scandal- The FBI Probe began in 1999, and would have involved accounts at Credit Suisse, Bank of New York, Cayman Islands, and the Deutsche Bank (a.k.a. Deutschebank Alex Brown).8. Yeltsin’s UBS accounts were being investigated for bribery.9. Kevin Ingram would testify that he had advised Bob Graham in advance that the World Trade Center was to be attacked. This Deutsche Bank executive was convicted of laundering money for weapons purchases for Muslim terrorists through Pakistani agents; The Ingram investigation was begun by the FBI as early as July 1999, and involved the Deutschebank (a.k.a. Deutschebank Alex Brown).These 9 federal court cases, had they continued, would have led to premiers, presidents and elected officials across the globe being indicted for vast financial crimes and these 9 court cases needed to be stopped. Just as important, $240 billion dollars in fraudulent bonds became due on September 11 and they had to be cleared anonymously. On September 14 the SEC issued an SEC Act that allowed bonds to clear anonymously for 15 days. This was the first time in history the SEC did this, it was against all national security protocols and was blamed on irregularities due to the 911 attack yet 2 years later the Federal Reserve issued a Working Paper stating that there were no banking irregularities associated with 911 and that all banking back-up systems worked perfectly.The records for some of these investigations resided in Building Six, Building Seven and on the 23rd Floor FBI office in the North Tower. The account structure set up by the U.S. intelligence operations was besieged by investigations from nine different di- rections, any one of which may have exposed the source of that funding, and traced it to its Black Eagle Fund origins. Those investigations needed to be diverted. And they were.What happened inside the buildings of the World Trade on September 11 is difficult, but not impossible to discern. The government has put a seal on the testimony gathered by the investigating 911 Commission, and instructed government employees to not speak on the matter or suffer severe penalties, but there are a number of personal testimonies posted on the internet as to what happened in those buildings that day. Careful reconstruction from those testimonies indicates the deliberate destruction of evidence not only by a targeted assault on the buildings, but also by targeted fires and explosions. In the event that either the hijacking failed, or the buildings were not brought down, the evidence would be destroyed by fires. In addition to the investigative evidence being destroyed, the Federal Register reported that the physical securities held by the brokers in their vaults had been destroyed.What would be even more revealing would be the actions of the Federal Reserve Bank and the Securities and Exchange Commission on that day, and in the immediate aftermath. As one of many coincidences on September 11, the Federal Reserve Bank was operating its information system from its remote back-up site rather than it’s downtown headquarters. The SEC and Federal Reserve system remained unfazed by the attack on September 11. All of their systems continued to operate. The two major security trading firms had their trade data backed up on remote systems. Nevertheless, the Commission for the first time invoked its emergency powers under Securities Exchange Act Section 12(k)2 and issued several orders to ease certain regulatory restrictions temporarily.On the first day of the crisis, the SEC lifted “Rule 15c3-3 - Customer Protection – Reserves and Custody of Securities,” which set trading rules for the following processes:1. The [seller] is not permitted to substitute other securities for those subject to this agreement an therefore must keep the [buyer’s] securities segregated at all times, unless in this agreement the [buyer] grants the [seller] the right to substitute other securities;2. Notification in the event of failure to make a required deposit;3. Physical possession or control of securities;4. Required Disclosure;5. Control of securities/Requirement to reduce securities to possession or control.Simply, GSCC was allowed to substitute securities for the physical securities de- stroyed during the attack. “...collateral substitutions can and should be made with regard to immediately maturing collateral.”Subsequent to that ruling, the GSCC issued another memo expanding blind broker settlements. A “blind broker” is a mechanism for inter-dealer transactions that main- tains the anonymity of both parties to the trade. The broker serves as the agent to the principals’ transactions.“The only repo transactions entered into by blind brokers should be those done in direct furtherance of clean-up and reconciliation efforts. No new blind brokered business should be executed.”At this point in time, the Federal Reserve and its GSCC had created a settlement environment totally void of controls and reporting – where it could substitute valid, new government securities for the mature, illegal securities, and not have to record where the bad securities came from, or where the new securities went – all because the paper for the primary brokers for US securities had been eliminated.This act alone, however was inadequate to resolve the problem, because the Federal Reserve did not have enough “takers” of the new 10 year notes. Rather than simply having to match buy and sell orders, which was the essence of resolving the “fail” problem, it appears the Fed was doing more than just matching and balancing – it was pushing new notes on the market with a special auction. It appears some of the beneficiaries wanted to cash out!“Acute settlement problems with the on-the-run ten-year note led the U.S. Treasury to reopen the issue on October 4 and hold an unusual “snap” auction of new ten-year securities.”If the Federal Reserve had to cover-up the clearance of $240 Billion in covert secu- rities, they could not let the volume of capital shrink by that much in the time of a monetary crisis. They would have had to push excess liquidity into the market, and then phase it out for a soft landing, which is exactly what appears to have happened. In about two months, the money supply was back to where it was prior to 9/11.Read my full report:September-11-Commission-Report-Revised-December-2008.pdf