This happens at all the major player banks.

“Gaming,” which was defined in the Wells Fargo Code of Ethics as “the manipulation and/or misrepresentation of sales or referrals . . . in an attempt to receive compensation or to meet sales goals,” was supposed to be a big no-no, so Hambek called the Wells Fargo EthicsLine, and he told his supervisor what he’d found. “I said, ‘This is blatant gaming,’ ” he recalls, but nobody seemed to care. Later that summer, after 35 years of service, he retired in order to avoid being fired for lack of productivity.