The civil trial of three former Wells Fargo executives accused of culpability in the bank's long-running fake-accounts scandal began on Monday. Greg Coleman, senior deputy comptroller for large bank supervision at the Office of the Comptroller of the Currency, testified that the executives were the bank's primary "lines of defense" against such risks and that its "incentive sales program was implemented without risk-management controls, without proactive monitoring and it essentially incented the bank employees to open fraudulent accounts, to provide misleading information to customers, resulting in significant harm."