CHAPTER 8 Sarbanes-Oxley, Internal Control, and Cash
Ex. 8–3 (Concluded)
d. The potential for abuse in the cash refund system could be eliminated if
clerks were required to get a supervisor’s authorization for a refund before
giving the customer the cash. The supervisor should only authorize the
Ex. 8–4
As an internal auditor, you would probably disagree with the change in policy.
Pacific Bank has some normal business risk associated with default on bank
loans. One way to help minimize this is to carefully evaluate loan applications.
Large loans present greater risk in the event of default than do smaller loans.
Thus, it is reasonable to have more than one person involved in making the
decision to grant a large loan. In addition, loans should be granted on their
merits, not on the basis of favoritism or mere association with the bank president.
Allowing the bank president to have sole authority to grant large loans can lead
to the president granting loans to friends and business associates, without the
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