Internal fraud, card fraud and interchange were among the hot topics that kicked off 2016. Here’s what readers had to say about them on

Shoreline FCU Fraud Case: Employees Recount Betrayal,” Jan. 4

This was a great article with a good deal of helpful insight into this fraud scheme. I can’t help but wonder about the staff not being suspicious of all the cash deposits, but also recognize that this fraudster created an environment of trust in which to operate. I’m glad she will be serving actual jail time.

—Bon Baughn

She had this process well thought out. She was pretty smart. She also had good interpersonal skills to convince everyone who asked questions that the answers provided were credible. Shame on the audit firm for not being more inquisitive on its audits. Shame on the examiners for not being more thorough in their review and work paper trail. To have this scheme go on for so many years, this person deserves an award. Shame on everyone else.


Card Fraud Crackdown May Shrink Interchange,” Jan. 6

This argument is not illustrating the entire picture. Financial institutions and card issuers are concerned about fee interchange (income). In 2016, the parties involved in the transaction should be concerned about making the transaction a reliable and secured transaction. The data is available. If you cannot determine a solution, a competitive group will determine the solution, implement the solution and make money. The fee may be reduced but some fee is better than no fee. Or are you trying to tell the consumer base that the crooks are smarter than you? Wake up, live in the new world.


Showing Respect in Multi-Generational Workplaces,” Jan. 7

This issue has been around since shortly after the Garden of Eden. Baby boomers used to be in the millennials’ position, and millennials will soon be the older generation being labeled the “that’s the way we’ve always done it” crowd.

The stereotypes in this article are not helpful to the discussion. Multitasking was around long before millennials. Rudeness has always been rudeness. Don’t make the mistake of thinking your generation is the one that has finally arrived (as the one before you did, and the one before that). You do not inquire wisely concerning this.

—Bon Baughn

Thanks for the feedback and I agree it is a vicious cycle. As my 20-year-old daughter reminds me, “Mom, you are old.” The point of the article is for all generations to work together. I believe younger people have a fresher set of eyes while older people offer a wealth of knowledge that can only be acquired with age.

—Lydia Vasquez Long

AVP, Residential Lending

Leominster Credit Union

Leominster, Mass.