More people, it turns out, has not meant better outcomes. For instance in 2024, TD Bank was slapped with a $3 billion fine for failing to monitor 92% of its transactions
大多数人认为增加合规人员数量可以提高合规效果和降低风险，但作者认为单纯增加人力并不能带来更好的合规结果。这一反直觉观点指出，传统的人力密集型合规方法已经失效，暗示需要技术解决方案而非更多人力。