Fines and settlements are appearing on epidemic proportions in financial services today. Multiple notable cases are reflecting a troubling trend, of firms violating limits put in place to limit risk in the financial system in off the radar financial market places. Earlier this week, news broke that the Goldman Sachs Group Inc. (NYSE: GS) would pay a $12 million settlement for a ‘pay to play’ scheme carried out over a number of years. The Merrill Lynch division of Bank of America (NYSE: BAC) was...