How might the organizations culture impact the companys approach to ethical behavior?

In recent decades, unethical (and oftentimes illegal) behavior has diminished and/or destroyed the effectiveness of many corporations, e.g., ENRON, WORLDCOM, etc. Bernie Madoff is an example of an individuals ability to wipe out the savings of investors for greed and personal gain.Is your organization or company ethically sound, or are there beneath the waterline issues that threaten the integrity and credibility of a MORTGAGE company. What can you do to ensure that unethical behavior does not penetrate and adversely impact the companys culture and overall strategy?Please be specific by citing areas of concern that expose your organization to scrutiny by regulatory agencies and other governing or verification agency.