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Wall Street’s $1bn messaging ‘nightmare’

SEC investigation sparks questions about how banks monitor communications in an era of disappearing messages

In 2018 and 2019, as JPMorgan Chase bankers chased lucrative mandates from an aggressively expanding WeWork, they fired off messages to one of their most high-profile clients at a frenetic pace. But as they did so, they broke rules governing communications on Wall Street.

The US Securities and Exchange Commission — in an early flashpoint of an investigation that has spread across Wall Street — found that JPMorgan failed to track more than 21,000 texts and emails, sent and received on personal phones or through unapproved apps, related to the co-working company, according to people familiar with the matter.

The investigation, which became public last year, has ensnared a growing number of banks, which are preparing to pay more than $1bn in fines to the SEC and Commodity Futures Trading Commission, dwarfing earlier penalties for record-keeping breaches.

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