Many of us are familiar with Jean Valjean, the protagonist from Victor Hugo’s novel Les Misérables, made more famous in the 80s thanks to the musical of the same name. In the story, Monsieur Valjean is sent to a prison camp for stealing a loaf of bread: 5 years for the crime and 14 more for attempted escapes. Jump forward 200 years and people are no longer stealing bread but generating losses on a much larger scale for their financial institutions. Last year it was $2 billion and UBS and today it is $2 billion at JPMorgan (which appears to…

