The Musings Of An Opinionated Sod [Help Me Grow!]


Trust Is Nothing Without Respect …

So, I have been a customer of ING Bank in Australia, for over 30 years.

THIRTY.

Given I have moved countries so often, I have had to update my country of residence many times – so when I received an email in December, asking me to ‘check my information’ for the banks legal requirements, I took it all in my stride.

Unsuprisingly, my information was – having updated it when we moved to NZ – was up to date and when I confirmed, I got a notification telling me all was good.

So imagine my surprise when in January, I received this …

I have no idea why my ‘document’ was not accepted, when [1] at the time it said it was and [2] it is the same one they have had on file for years – but I went to the website, as they requested, to provide another only to find this when I logged in.

ACCOUNT INACTIVE.

The bank, without letting me know in advance, had frozen my bank account.

Ice cold. Can’t access my money. Can’t spend my money.

What the actual fuck?!

To make matters even worse, they didn’t have any place where I could ‘update’ my information and so I found myself on hold for THREE HOURS.

Now, I appreciate there is anti-money laundering rules that need to be maintained but there’s 3 things I don’t understand.

Why did they freeze my account before asking me for other paperwork?
Why wasn’t my paperwork accepted given it has been fine for decades?
Why don’t they get their own shit in order before bullying their customers …

What do I mean by that last point?

2018 Dutch Settlement:
ING paid €775 million to settle charges with the Netherlands Public Prosecution Service for allowing clients to launder money for years, citing serious flaws in their counter-terrorism financing systems.

Systemic Failures:
Prosecutors identified instances where accounts were used for illicit activities, such as a lingerie trader laundering €150 million, which the bank’s systems should have flagged.

Regulatory Action:
The Dutch Central Bank oversaw corrective actions, and ING accepted responsibility, vowing to improve compliance.

Executive Liability:
While the large fine resolved the organizational charges, Dutch prosecutors later dropped criminal cases against former executives, including CEO Ralph Hamers, due to insufficient evidence for criminal liability, though they noted insufficient steps were taken.

2025:
ING faced new scrutiny in early 2025 over its role in a case involving former EU Commissioner Didier Reynders, with investigations into whether the bank failed to report suspicious activities related to him.

Other Jurisdictions:
ING Spain also received a fine in March 2025 for serious AML failings.

Yep, the bank that wants its customers to comply with money laundering rules has consistently failed to comply with money laundering rules … except where mine was a paperwork issue, theirs was an illegal activity issue.

Financial institutions consistently like to present themselves as ‘caring about their customers’, but the reality is the vast majority only care about themselves and their richest customers.

In that order.

Is it any surprise so many people are turning to things like bitcoin?

Sure, the risks are high but at least there’s a chance you could strike it rich whereas with so many financial institutions, they use fees, interest rates and access to keep so many exactly where they are.

Or worse.

Now I appreciate I am generalizing here.

I get many of the people who work in banks are decent people who are caught in the same situation as many out there. [And the person I dealt with at ING was very helpful and understanding … even when I took her through all of ING’s ‘mistakes]

But when people feel they are forever being spoken at, rather than listened to … there’s a point where people have as much interest in financial organizations as they offer their customers.

Which, according to a letter I received from ANZ Australia, is 0.01%.

The banking system operates on trust and confidence. What a shame those principals don’t extend to how banks see customers. Especially customers who have never done anything wrong for 3 bloody decades.

Well, ING lost one today.

Not because they wanted more paperwork from me but because they made a decision – that could have had a huge impact on me – without even discussing it with me. And if they can do that over a relatively minor issue, which – let’s not forget – their system had told me was ‘upto date’, then why would I ever believe I can trust my money is safe with them?

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Who Is Taking Who For A Ride?

I come from a family of lawyers.

My Italian Uncle was a prosecutor against the Mafia and my Dad was a Human Right’s barrister who specialized in fighting corporations and governments who chose to label certain groups/people as ‘irrelevant’ or ‘unimportant’.

I – on the other hand – am not a lawyer. I neither had the brains or the patience … though I did get a distinction in law at college, albeit because my Dad helped me massively – hahahaha.

But the thing is, you can’t be around that level of legal brain without it having some influence over you and one of the things my Dad and Uncle really shaped for me was how ‘details matter’.

Now I appreciate law and advertising are VERY different, but one of the areas where they are very similar is the ability to make complexity, simple.

Unfortunately, a lot of our industry seems to have forgotten that … preferring to either celebrate complexity or make things embarrassingly simplistic, but when we do things right, we do things really right.

Of course it takes a lot of hard work to make things simple.

You have to read.
You have to explore.
You have to go down rabbit-holes.
You have to chat, challenge, and consider.

But not only does this approach mean you get to the core of issues, problems, understanding and opportunities … you are more likely to put something out that makes a real difference to people and the business. So I find it fascinating how more and more companies are giving less and less time for this hard work to be done.

Wanting the process to be at a ‘sprint’.
Wanting costs and people to be ‘trimmed’.
Wanting the agency to accept what ‘they say’.

But we don’t push back on this to be awkward, we push back on this because we give a shit about their wellbeing. We want to do things that add value to what they do, rather than open the door to challenges or questions. And while I appreciate there is a narrative that ‘the general public don’t really care about advertising’, the reality is a bit more nuanced than that.

1. They don’t care about SHIT advertising, but they do care about, what they care about.
2. They definitely care about not being fucked over by companies who try to fuck them over.

And if there’s one thing companies should know by now … social media often finds the stuff they want to hide. The stuff that challenges the narrative they like to project and profess. And while I appreciate that may have led to many companies making ads that basically say nothing – in the twisted belief that if they bore audiences to death, they’re protected – the reality is there will always be someone out there who delves into the details.

I’m not talking about conspiracy theorists.
I’m not talking about the populists and non-conformists.
I’m talking about individuals who want to make sure the companies who want them to give a shit, give a shit in return.

And you know what should scare companies even more?

AI allows everyone to do this quickly and easily. Suddenly the tool some companies have adopted as a way to ‘slash costs’, is the tool that allows society to work out if they should give them any time, let alone money.

And why am I talking about this?

Because in the last few weeks, there’s been a couple of posts that show the importance of ‘the details’.

A couple of posts that show a company that loves to claim they care about what you need, care more about what they need.

A couple of posts that are fucking breathtaking in their ‘findings’.

Who am I talking about? Uber.

Cars and Food delivery.

Now I appreciate what is detailed below may not be entirely accurate – different markets operate by different needs and requirements – however if you use Uber in any way, and I do, it’s something worth reading.

Because at the very least, if the information is not completely right, Uber can then tell us and show us how good they really are. And if the information is correct, then it will force Uber to change or face the consequences.

Details matter.

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Anything Is Easy When You Don’t Have To Do It And You Have No Intention To Be Guided By It …

On the Friday before Christmas, a friend of mine got made redundant.

After 17 years of service.

17 years of highly productive, highly respected service.

What makes it even more disgraceful is he was basically told ‘accept our offer, or we’ll make things difficult for you’.

Of course they didn’t say it like that, they hid behind the carefully constructed ambiguity that is imbued in all redundancy narratives … but the message was clear: ‘don’t be a problem or we’ll be your problem’.

He has asked me not to name him or his company as he goes through the process, but what makes this all the more egregious is the company he worked for has a mission statement overflowing with the ‘transparency and integrity’ buzzwords and tropes that appear in nearly every corporate mission statement.

The ‘transparency and integrity’ buzzwords and tropes that are mentioned in every story sent to Corporate Gaslighting.

Why don’t all these companies just say what they actually believe: ‘to prioritise profit over people, in every opportunity, every time’ … we’d probably all respect that [and them] a hell of a lot more.

But no, instead it’s all ‘our staff are our greatest asset’, ‘we believe in doing the right thing’ and ‘we strive to always be a great place to work’.

So to companies who let people go over this period:

While I appreciate there is never a good time to do this sort of thing – and sometimes, there’s no other choice available but to do this sort of thing – there’s definitely a bad time to do this sort of thing and December 19th is one of those times … especially when you’ve announced you’ve made enormous profit over that year.

So while the industry my friend works in is different to the one I work in, I know there were many who went through a similar situation over the recent festive period … which is why I leave this post with 2 points:

1. If anyone who went through this needs someone to talk to – or just listen – I’m here. Just email and I’ll get back to you.

2. If companies want loyalty from their people, show some fucking loyalty to your people. It really isn’t that hard.

3. If you’re a shareholder who only cares about ever-increasing returns, don’t complain when this happens to you. Because it will.

It’s why nothing is more gaslighting than the justification that ‘it’s just business’, because it isn’t. It’s always – ALWAYS – personal.

That doesn’t mean a company can’t – or shouldn’t – act on commercial issues that need addressing. But it does mean they should consider why, how – and when – they do it.

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How I Learned There’s Not Enough Money In The World For Me To Be A Subservient Puppet. Unfortunately. And Fortunately.

I once got a job that paid me more money than I ever could possibly have imagined I’d earn.

More money than my parents ever earned – quite possibly in their entire lifetime – which was pretty horrific given they were not just smarter and better people than I’ll ever be, but did jobs that were more meaningful than advertising will ever be.

But within days of starting, I knew the money I earned wasn’t enough.

Not enough for what they expected from me.

By that I don’t mean workload.

Nor do I mean pressure.

But complicity.

When I landed the job, I had assumed the cash was to compensate for my experience.

I was wrong.

Sure, my experience got me their attention … but what the cash was really for was my blind adherence to the rules of what had gone before.

Or said another way: Ask no questions. Provide no challenges. Have no opinions.

Which was a problem given I am a person who always has questions and opinions.

Not to be an asshole – at least most of the time – but to better understand the decisions people were making or thinking of making.

Don’t get me wrong, the people at this company were smart. They were also generally good people. But the way they ran the company was based on very different values and rules that I shared or believed.

That’s on me for not really delving into it in the interview process … but in my defense, I was truly ‘me’ in the interview process whereas they were, errrrm, less so. But they soon realized the error of their ways when they discovered that while they obviously had loved the idea of me, they pretty much hated the reality of me.

And yet their way of dealing with it was to double-down on control. It’s why I used a photo of the movie The Firm at the top of this post because there were many a day where I honestly thought I was living the advertising version of it.

But if truth be told, I knew even then there were some major red flags even in the interview process – and while I raised them – the money and the situation I was in, tipped my hand in their favour.

It was a lesson that ended up being very costly to me – at least emotionally – but it also was very useful and important, reinforcing the economic value of creative fulfillment.

Now I appreciate I’m hardly on struggle street and am perfectly aware of my good fortune, but in an industry – or maybe a world – where they suggest the only way to deem success is to continually earn more and more cash, the fact is that compared to the salary I was earning then, I’m literally miles and miles and miles away from it and yet I’m also light years ahead in terms of the happiness, creative fulfillment and strategic curiosity I get to enjoy every fucking day.

It’s not all their fault … but a lot it.

And I can’t deny some good did came out of the whole thing …

I got a new life experience of living in yet another country to add to my list of places I’ve lived plus I got the pleasure of meeting and working with some incredibly talented, good humans who are very much still part of my life today. But eve with that, I do look back at the overall experience less positively, ‘topped off’ by the way they tried to fuck with my future when I told them I didn’t want to keep working with them.

But here’s the thing that has left me feeling good about this chapter in my life …

When I was going to resign, I told a friend of mine who was literally earning a single digit percentage of what I was earning.

He knew my salary and just couldn’t contemplate why I would give up my job when – in his mind – I had hit the jackpot.

And I get it … I really do … but I had learned that when a company pays you that much money, it’s not about talent, it’s about control.

Some can do it, I absofuckinglutely can’t.

And while I don’t begrudge those who stick things out for a bigger future, I have to say I now look back and feel very fucking proud that the things that keep me energized and excited are the work, the standards and the values rather than the cash. That doesn’t mean I don’t want my experience to not be financially compensated for, but it does mean the work I do has a value to me that transcends just money.

Of course I get this comes from a real position of privilege – one not many get to enjoy – but it is also a privilege that I can say has cost me to attain … which makes a nice change.

So the point is, money is important, fulfillment is equally important … and too often we ignore that, thinking that the more cash we have the more life we have and I hate to tell you, but that does not actually equate.

So be careful out there.

Money is obviously very important, but loving what you do can change your life just as much.

And with that, you’re free from me till Monday. So have a peaceful time – but hopefully not as peaceful as a particular person out there – who I am thinking of and proud as fuck of. Hopefully they know who they are. If they read this bloody blog, hahaha. See you next week.

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Run For Your Life, The 1800’s Are Coming …

This is a long post, because it has been written by a lot of rage. Mine.

So buckle up and read it, because while most of what I spout is utter shite. This is important.

Recently someone I know left the company they had been working at for a few years.

When they announced it on Linkedin, they were flooded with supportive, celebratory messages. As they should be.

But there was one other thing that was common among the comments, and that was people writing “what a good run you had”.

I don’t know about you, but when I hear that, it immediately conveys a company who has a reputation for letting people go … and so ‘what a good run’ really means is that you lasted longer than most. That your achievement was as much about staying in the role as it was about what you did in the role.

And to me, that all feels toxic as fuck.

Not by the people saying it.
Or the person it is being said to.
But the organisation who seemingly doesn’t give a fuck about letting people go.

Of course – like US politicians who ask for ‘thoughts and prayers’ after another mass shooting – their corporate mission statement only talks about their belief in their people …

How they’re trying to build a thriving, collaborative community and culture …

In fact, they say a lot of things except one: ‘when people leave, they will be cushioned by comments saying they ‘had a good run’.

So how do they get away with it?

Cash.

They pay significantly more than market rate and so there’s a steady stream of people who are willing to go work there either because they need a gig, they have fallen for the hype [and not checked it first] or they believe they can be the exception to the rule.

That’s not a judgement on the people, I get it … but it is a judgement on the org.

Especially as – in the big scheme of things – the money they pay comes at a huge cost.

The talent they’ve burned – and burned through – is extraordinary and yet no one, be it past of present employee, says a thing.

On first impression, it can feel like they’ve all agreed to collectively gaslight society, but on closer inspection you soon realise the real reason for that approach is far more due to fear than delusion.

Fear of losing your position.
Fear of never working again.
Fear of inviting more abuse.

One look at Corporate Gaslighting and you see this is not an uncommon – or unjustified – view. What’s even scarier is it is seemingly happening more and more … to the point where I swear some companies think ‘salary’ means they fully own their employees.

OK that’s a ridiculous view … a totally over-exaggerated and overblown view … an over-exaggerated and overblown view that is almost as ridiculous as:

Zero-hour contracts.
No overtime payments.
No training and development.
Expectation you are always ‘on-call’.
Personal social media monitoring.

Yes, I get those ‘work practices’ are still more the exception than the rule … but the fact they are there at all, is madness.

I get companies have to make money.
I get we live in a highly competitive world.
I even appreciate not every person is good for every company.

But come on …

What bothers me more is this is quickly becoming standard work practice.

STANDARD!

It’s like someone read a book on Victorian-era ‘workhouses’ and thought, “That sounds fun”.

And so, they’re trying to create a new set of beliefs for the ‘modern’ workplace.

Culture will not be born from the employees but dictated by the leadership.
Opinions can never be expressed; they must always be silenced.
Growth is not measured by personal development, but corporate conformity.
Success is not defined by personal achievement, but individual survival.
Failure is always – ALWAYS – to be aimed squarely at the shoulders of the employee.

[As an aside, if anyone is visiting Nottingham, they should check out the Workhouse in Southwell and go back to the future]

It’s like an episode of Black Mirror if Black Mirror was a documentary, not satire.

It’s here we’re taking a commercial break, because as much as this post has been about bullshit behavior – at least the people it’s about got paid well. But over the last 6 months, I’ve met many, young, lowly-paid, talented strategists be burned out by the expectations, pressure and demands of their employees.

As we highlighted in our 2024 book, Dream Bigger, too often people of my generation look at the young and say they don’t have the right work ethic … they expect too much … they are lacking in drive and skills … but apart from the fact that’s bullshit, even if it wasn’t, could you blame them given how they’ve seen so many of us invest so much in the promises of ‘hard work’ and then end up with nothing. And at least we had options available to us that could actually help. These poor fuckers don’t have any of that and yet we hold them to even higher expectations.

But that’s different to burnout because burnout is criminal. Actually criminal.

How are companies letting this happen? What are the fucking HR people doing?

What makes it even worse is the 5 people I met all worked at companies who talk big about ‘how their people are their greatest asset’. More like burning asset.

You want to know why we find it hard to attract the young to our industry? Because too many companies treat them like cannon fodder – and then when they’ve been battered, broken or bruised. we turn around and say ‘they couldn’t cut it’. Bastards.

Back in 2021, when we did Dream Small, we highlighted how this was a generation tolerated rather than welcomed. Then a few months later, I wrote how the ‘great resignation’ was actually – for many of the young – the ‘great reset’. But as much as they have pushed for change, this shit is still happening to so many – as demonstrated by the fact I’ve talked to 5 people in the past 6 months who could be great, but have literally been burned and no one seems to give a fuck.

All their bosses do is throw them some compliments or cash, believing it will ‘shut them up’ when what the person actually needs is to be thrown a fucking life raft of compassion, care and change. But what makes this even worse is that when the bosses discover the cash and compliments no longer have any sort of effect – when they have wrung the person out completely – they get rid of them while doing all they can to make sure the individual feels they have done something wrong to shame them for life and to keep them quiet.

It’s horrific and shows nothing has changed in the 4 years since I was featured in The Guardian about this corporate practice of employee shaming. Or the attempt of it.

What are we going to do when we have no one want to come to our industry?

We don’t pay many fairly.
We don’t train them well.
And then we work them to the point of exhaustion.
Seriously, in terms of analogy, there is no better one for this group than Workhouse attendees.

We can try and claim their attitude sucks all we like, but we’re the fuckers who need to take the long hard look in the mirror.

And with that, I end the commercial break and take us back to ‘regular programming’.

The reality is we’re getting to a point where there’s no bigger red flag about an organisation than when employees get congratulated by ‘the run they’ve had’.

Some may be well paid ‘middle management’.

Some may be poorly paid ‘young talent’.

But all of them are out-on-their-ear … surplus to requirements or drained of all life.

Which is why – and I appreciate the privilege I say this with – if you find yourself in a company like the one my mate has just ‘left’, then maybe the best thing you can do for your future health, well-being and career is to ‘run the fuck away from them’.

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