The banker who received the leaked material worked at Goldman for less than three months, Mr. DuVally said, and the bank "immediately began an investigation and notified the appropriate regulators, including the Federal Reserve" once it detected the problem.
A test is needed to detect the problem, he said, and a doctor is needed to interpret that test and follow the patient to make certain the cholesterol condition does not deteriorate into a case of serious heart disease.
The investigation and an account by Mr. Joyce make it clear that many people had opportunities to detect the problem but either did not do so or failed to alert others if they did.
Regulators detected the problem on Tuesday, when a concerned borrower called the Federal Reserve to complain, according to a person briefed on the matter.
PwC mentioned the suspect rebates as an area of heightened scrutiny, but still gave a clean audit.PwC's failure to detect the problem is hardly an isolated case.
A spokesman for the State Division of Community Affairs, which supervises fire safety compliance on public campuses, said the division's inspectors visited the campuses once a year, but did not detect the problem because they simply reviewed reports of fire drills prepared by the colleges.
In fact, Hexadite claims that if it had been in place at Target, it would have detected the problem that led to the breach and been able to eradicate it before it had done any damage.
Considering it as a permanent fault, the error could be detected by time-out and a solution with two variant services would be sufficient to tolerate the error detect the problem by changing the faulty service to another one.
However, because the curves are mostly based on aggregation, the user sometimes cannot visually detect the problem when the number is too small to cause a significant visual change on the curve.
