P.J. Lhuillier, based in the Philippines, owns and operates a number of financial services companies that specialize in areas such as pawning, domestic and international remittance, microinsurance, and micro loans for businesses. P.J. Lhuillier’s companies include the Philippines’ largest nonbank financial service provider, Cebuana Lhuillier. Because supervisors and officers in P.J. Lhuillier’s organizations hold crucial roles for ensuring branches or departments operate secure