Richard Bowen

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April 13, 2017 By Richard Bowen

The Saga of Wells Fargo – Are Banks Reaping What They Sow?

Wells Fargo is once again making national headlines for its less-than-ethical business practices. Recent headlines bowled me over: Wells Fargo being forced to reinstate employees – whistleblowers – who reported the ethics issues to their superiors, and pay their back pay! Their Board of Directors report decision laying the responsibility of the 2 million plus unauthorized bank and… [Read More]

Tagged With: Wells Fargo

March 23, 2017 By Richard Bowen

Who’s Trying Now to Save Citigroup’s Soul?

The headline in last Saturday’s Wall Street Journal captured my immediate attention. “The Banker-Turned-Seminarian Trying to Save Citigroup’s Soul”… What?? Supposedly, Citigroup is taking a “new” approach to the cultural and other issues they have had for years and have hired Dr. David Miller, a Princeton University professor, theologian and former banker to be their… [Read More]

Tagged With: Citigroup, Ethics

March 9, 2017 By Richard Bowen

The Freedom of Information Act – a Way to Keep Government Honest…and Our Democracy Safe

The Freedom of Information Act, or FOIA as it is commonly known, became the law of the land in 1966 in order to make it easier for the American people to get access to documents, notes and other relevant information about how the federal government wields its considerable power. It is a critical element to… [Read More]

Tagged With: FOIA, Freedom of Information Act

March 2, 2017 By Richard Bowen

Justice is Not Being Served – Once Again, What a Surprise!!

Last week I wrote about my concerns regarding  Mary Jo White, the former SEC chair who was leaving her post, to return to her former law firm. Ms. White’s performance while SEC chair was abysmal. However my main concern is not her performance, rather it is the continual revolving door that exists in D.C. I commented,… [Read More]

January 26, 2017 By Richard Bowen

A Case Study on Enron: How to Destroy a Company!

One of the most celebrated companies in America, Enron, became the poster child for greed and fraud.  Today it is a case study for how quickly a bad corporate culture can sink a business. WNET, which is the flagship public station of the New York City tri-state area, and the most watched public television channel in the… [Read More]

Tagged With: Enron, Ethics

December 21, 2016 By Richard Bowen

Does Whistleblowing Pay? New Study Says Yes!

There’s a high cost to being a whistleblower. As my Bank Whistleblowers United colleagues and I can attest to, being a whistleblower means losing your job and most future possibilities of getting another position in your profession are slim to none; not to mention the human cost of the stress and emotion involved and the personal… [Read More]

Tagged With: Ethics, WhistleBlower, whistleblowing

December 15, 2016 By Richard Bowen

Is Wall Street Taking Over Trump’s Cabinet? Will It Impact Accountability?

The December 10th issue of The Economist said, “The emerging Trump strategy towards business has some promising elements, but others that are deeply troubling.” I agree. In his campaign, Mr. Trump slammed Wall Street and Goldman Sachs, however his actions seem to bely his previous position. From the early days of his campaign, one of Donald Trump’s… [Read More]

Tagged With: Donald Trump, Wall Street

December 1, 2016 By Richard Bowen

Fed’s Kashkari Releases Plan to End “Too Big To Fail,” Compares Banks to Terrorists

(title per ZeroHedge) When Neel Kashkari, a former Goldman Sachs banker who helped administer the U.S. Treasury Department’s bailout program during the 2008 financial crisis, was appointed as President of the Minneapolis Federal Reserve Bank, I commented on his intent to break up the big Wall Street banks as either too good to be true, or… [Read More]

November 10, 2016 By Richard Bowen

The Whistleblower: David vs Goliath — You Don’t Have to Be A Giant to Make a Difference

The story of David and Goliath is one most of us are familiar with.  Goliath, the Bible character, as told in the Books of Samuel, is described as a giant Philistine warrior who was defeated by the young and small David, a shepherd and future king of the Israelites. No one would stand up to… [Read More]

Tagged With: Ethics, Sherry Hunt, whistleblowing

October 20, 2016 By Richard Bowen

Banking In the 21st Century: The Great American Ponzi Scheme at Wells Fargo (and all TBTF)

“You should resign, you should give back the money, and you should be criminally investigated.” a fiery Senator Elizabeth Warren told Wells Fargo’s chief executive, John G. Stumpf, during Senate hearings last month. (Watch in Times Video)  In September, Wells Fargo reached a $185 million settlement with federal regulators and acknowledged that thousands of employees, under… [Read More]

Tagged With: Senator Elizabeth Warren, Wells Fargo

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What People Are Saying About Richard M. Bowen

William D. Cohan"Richard Bowen is one of my heroes. His is a story of human fortitude at its best and Wall Street at its worst."

~ William D. Cohan, NY Times Best Selling Author
2017-06-30T10:08:59-05:00
"Richard Bowen is one of my heroes. His is a story of human fortitude at its best and Wall Street at its worst." ~ William D. Cohan, NY Times Best Selling Author
https://richardmbowen.com/testimonials/2556/

Eileen McDonnell"Richard Bowen reinforced my motto that "there is no right way to do a wrong thing.” Long after his presentation, the conversation has continued about personal responsibility and the courage to challenge things that appear to be wrong. We encourage this dialog and rely on it to help make our business stronger."

~ Eileen McDonnell, Chairman, CEO, & President, Penn Mutual
2015-02-13T19:51:19-06:00
"Richard Bowen reinforced my motto that "there is no right way to do a wrong thing.” Long after his presentation, the conversation has continued about personal responsibility and the courage to challenge things that appear to be wrong. We encourage this dialog and rely on it to help make our business stronger." ~ Eileen McDonnell, Chairman, CEO, & President, Penn Mutual
https://richardmbowen.com/testimonials/711/

Ben Stein"Richard Bowen, you are a star and a hero."

~ Ben Stein, Economist and Political Commentator
2015-02-13T19:50:26-06:00
"Richard Bowen, you are a star and a hero." ~ Ben Stein, Economist and Political Commentator
https://richardmbowen.com/testimonials/712/

Jim Farrell"Richard's speech at the April Financial Executives International dinner was informative, interesting, riveting, and fast moving.  The feedback from members was overwhelming positive, and Richard received one of the few standing ovations given by our membership."

~ Jim Farrell, Program Chairman, Dallas Chapter, Financial Executives International
2014-12-28T19:48:17-06:00
"Richard's speech at the April Financial Executives International dinner was informative, interesting, riveting, and fast moving.  The feedback from members was overwhelming positive, and Richard received one of the few standing ovations given by our membership." ~ Jim Farrell, Program Chairman, Dallas Chapter, Financial Executives International
https://richardmbowen.com/testimonials/532/

Dennis McCuistion"Richard Bowen has been there, done that, and has the scars to prove it, and his message of corruption at the highest levels of industry and government needs to be heard. I only wish that more bankers had the courage that Bowen exhibits. He is not only one of the most talented bankers I have ever met, he has more integrity than all the bankers on Wall Street put together. If his former employer had listened to him taxpayers would not have had to bail out Citi for the third time in the last 30 years."

~ Dennis McCuistion, Host of the McCuistion TV program
2014-12-28T19:48:06-06:00
"Richard Bowen has been there, done that, and has the scars to prove it, and his message of corruption at the highest levels of industry and government needs to be heard. I only wish that more bankers had the courage that Bowen exhibits. He is not only one of the most talented bankers I have ever met, he has more integrity than all the bankers on Wall Street put together. If his former employer had listened to him taxpayers would not have had to bail out Citi for the third time in the last 30 years." ~ Dennis McCuistion, Host of the McCuistion TV program
https://richardmbowen.com/testimonials/533/

Betty Garrett"Richard Bowen is a dynamic, entertaining speaker and story-teller - a CPA with a great personality!"

~ Betty Garrett, Garrett Speakers International
2014-12-28T19:47:50-06:00
"Richard Bowen is a dynamic, entertaining speaker and story-teller - a CPA with a great personality!" ~ Betty Garrett, Garrett Speakers International
https://richardmbowen.com/testimonials/531/

fred-timmons"I believe Richard Bowen is the only keynote speaker to ever receive a standing ovation from the Texas Society of CPA’s at any of its annual conferences."

~ Fred Timmons, Chairman of The Texas Society of CPA's
2014-12-28T19:47:22-06:00
"I believe Richard Bowen is the only keynote speaker to ever receive a standing ovation from the Texas Society of CPA’s at any of its annual conferences." ~ Fred Timmons, Chairman of The Texas Society of CPA's
https://richardmbowen.com/testimonials/530/

"The most emotional and impactful session was absolutely Richard Bowen and the Citi Mortgage case. I was somewhat aware of the challenges and hardships faced by whistleblowers. The HBR case and documentary on Sherry Hunt's experience provided a strong understanding of the case and overall situation. However, the nuance and emotion that Bowen brought in his lecture will be one of my lasting memories of the program. His unique perspective of the exhausting experience of constantly trying to do the right thing only to be stonewalled by his leadership, and later, the US government, highlights the challenges of doing the right thing, yet the importance of someone speaking up. Bowen made whistleblowing personal to us, and I will never forget his quote that if you see wrongdoing, you have two choices, "say something or get out." Taking a stand will have an enduring impact on your career and life regardless of the outcome. It certainly causes me to prioritize selecting the right corporate culture in my future organizations."

~ EMBA student review after Richard spoke to the class

2024-09-25T16:10:48-05:00
"The most emotional and impactful session was absolutely Richard Bowen and the Citi Mortgage case. I was somewhat aware of the challenges and hardships faced by whistleblowers. The HBR case and documentary on Sherry Hunt's experience provided a strong understanding of the case and overall situation. However, the nuance and emotion that Bowen brought in his lecture will be one of my lasting memories of the program. His unique perspective of the exhausting experience of constantly trying to do the right thing only to be stonewalled by his leadership, and later, the US government, highlights the challenges of doing the right thing, yet the importance of someone speaking up. Bowen made whistleblowing personal to us, and I will never forget his quote that if you see wrongdoing, you have two choices, "say something or get out." Taking a stand will have an enduring impact on your career and life regardless of the outcome. It certainly causes me to prioritize selecting the right corporate culture in my future organizations." ~ EMBA student review after Richard spoke to the class
https://richardmbowen.com/testimonials/4629/

Presentation Topics

Playing for High Stakes: The Principles and Practice of Ethical Leadership

Dark Citi: The Story of a Whistleblower

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Recent Posts

  • ‘The Men Who Stole the World’ is on Amazon Prime!
  • Speaking at The Institute of Internal Auditors, Northeast Ohio, Fraud Day
  • Honored to speak to two highly ranked MBA programs this summer
  • Speaking at the 23rd ACFE Annual Emerging Trends in Fraud Conference
  • I was honored to present the 2024 J. Craig Smith Business Ethics Lecture at the University of Alabama

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About Richard

Now an ethical leadership speaker, Richard Bowen was Citigroup's Business Chief Underwriter during the housing bubble.

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