> That's where vacation, or the lack thereof, comes in. That's another banking no-no, precisely to prevent this kind of chicanery.

One of the key embezzling rules from from Frank Abignale's The Art of The Steal: Any regular employee that refuses to ever take a paid vacation is robbing you.

Vacations should be forced if they aren't taken voluntarily, because schemes like this require daily maintenance and even a day off could ruin the whole thing. If you're trusting someone with your finances and they're doing a good job, then a week off shouldn't destroy everything.