To bad E-mail transfer is a paper trail though. If the said Rep happens to get audited by the government, try explaining X amount of undisclosed E-mail transfer he could not explain
Plus banks only allow say 80k or so a year...so you can imagine that would add up quickly.. So the people doing it, are only thinking of the immediate gratification of $$ and not the security aspect of it. Plus it could very well be you who gets audited and sees you making the transfer and cross references to the Rep account, who do you think they catch people? Careless Rookies