You sound like you don't think banks already believe that.
I think banks are finally starting to take them more seriously, but I wouldn't say they are there yet. I deal with large banks every day on these matters; many simply don't care or care enough.
JP Morgan is not expected to pay a monetary penalty, according to one person familiar with the situation.
Yeah, that will show those crooks!!
I'm not saying they are crooks. I know better than most that the AML regulations are ridiculously vague and that the OCC constantly have a moving target with regards to their expectations.
As to JPMC escaping without a fine; I would guess this is due to the fact that there were no highly egregious or blatant violations like with some of the other banks that have been in the news lately.