Financial Institution Fraud Prevention. Senior management shall ensure that the products offered, provide solutions in respect to financial institution fraud prevention and detection. The focus of the program, from time to time, includes, but is not limited to the prevention and detection of fraud and embezzlement or misappropriation occurring within or against an institution, namely, banks, trust companies, savings and loans corporations, credit unions, and the like, irrespective of whether or not the institution is deemed to be a federally/centralized government insured or regulated institution or not.