"Somewhere, a disgruntled, stressed-out employee is sitting in a break room, beneath the fluorescent lights, thinking up a new fraud scheme right now."

That's the warning from Insidious, a book by Shirley Inscoe and B.C. Krishna that explores why trusted employees at financial institutions steal millions and why it's so hard to stop them.

Inscoe spent 29 years at Wachovia where she held a series of positions in risk management, regulatory compliance and payment strategy. Krishna, a software technology expert, founded Memento to help address the issue of internal fraud.

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