The Bank's Expert. Of course, this not only eliminates any chance of objectivity but also highlights the bank's narrow view and unwillingness to consider any opposing viewpoints. Relate the fraud problem to a juror's checking account. A banking expert can easily construct an example of the classic explanation that it is wrong for one person to take money out of another person's checking account. Simplifying all of the technical talk and bringing down to a personal level all of the theories presented in the case can make the typical fraud situation easily understandable for the average juror.
Most banks do a good job of helping guard against fraud in their customers accounts.
A bank checking account customer pays for services that include the bank's duty to safeguard their funds. It is universally agreed that a bank has a duty to safeguard its customers funds on deposit with the bank. Concomantly, a bank is negligent if it does not take adequate steps to implement reasonable safeguards that can prevent fraud in a customer's accounts. Technically, banks should check the signature on every check that passes through a customer's account. Banks are physically capable of doing this if they want to.