If the maximum penalty is losing one's job, the incentives are aligned towards maximum risk as losses are capped at zero. If prison is off the table, the fines

If the maximum penalty is losing one's job, the incentives are aligned towards maximum risk as losses are capped at zero. If prison is off the table, the fines need to be large enough so that the perpetrator loses all of his assets, savings, houses, cars, etc. and has to start again with a used Corolla and a studio apartment, since his Rolodex alone is worth millions.