Perverse Incentives at Merrill Lynch: Bonuses and Selfish Traders

Dan and Chip Heath of Made to Stick fame have a brilliant column in this month's Fast Company, called Why Incentives are Irresistible, Effective, and Likely to Backfire.   I've written about perverse incentives here and here, and how part of the problem with them is that they sometimes work to well, as people focus on doing the thing they are paid for at the expense of all else.  With Merrill Lynch's bonus system so much in the news, it is interesting that the Heath's use an example from an older book about Merrill to show the downside of how yearly bonuses were handed out.  If this little snippet is a reflection of their culture and work practices, it may also help explain why executives who grew up in this system suffer from tunnel vision –  this strikes me as a powerful way to breed a narrow and self-centered world view.

Don't miss the rest of Heath's article, but here is the little gem of a paragraph that inspired this post:

"Take Merrill Lynch. In the book Riding the Bull, author Paul
Stiles describes his experience as a new trader at the venerable
investment bank. Merrill wanted Stiles, then 29, to trade complex
international bonds in volatile markets. He tried asking advice of the
seasoned traders, but they ignored him — a minute spent helping Stiles
was a minute spent not adding to their monthly bonuses. They kept
barking into their phones for hours at a time and yelled at Stiles
every time his shadow fell across their computer screens. Eventually,
Stiles was reduced to silently observing their behavior from a
distance, like a rogue MBA anthropologist. It surely never dawned on
the person who set up Merrill Lynch's incentive system that the
traders' bonuses would make training new employees impossible."

This story also reminds me of related research that shows when people just think more about money, they are less likely to give help, ask for help, and put more physical distance between themselves and others.

Comments

9 responses to “Perverse Incentives at Merrill Lynch: Bonuses and Selfish Traders”

  1. Brendan Avatar

    Mmmm… I wonder if the incentive scheme trained the people to become jerks or that this type of reward attracts jerks?

  2. Wally Bock Avatar

    Great post, Bob. But I think it’s more than just thinking about money. I think what you describe happens in any internally-competitive culture. I stumbled across this when I was writing Net Income in the mid-nineties. I got great cooperation from people at Hewlett Packard and Sun Microsystems, but I never could seem to get anyone at Microsoft to talk to me in a helpful way. Finally one kind soul who had worked there told me that “there are no points for cooperating with you” and therefore anyone who did so was giving up time they could be doing something that gave them an advantage.

  3. Matt Moore Avatar

    Hmmm – “It surely never dawned on the person who set up Merrill Lynch’s incentive system that the traders’ bonuses would make training new employees impossible”
    Very probably but there is a slight chance that ML wanted to weed out those employees who required some support and be left with the tiny number that didn’t. Very costly from a recruitment perspective but not necessarily unintended.

  4. Bobsutton Avatar

    Matt,
    Your alternative hypothesis could be ENTIRELY correct. If you believe that organziations become excellent through the actions of independent — rather than interdependent — solo superstars (a set of beliefs consistent with some economic theory), then your speculation is spot on. Great comment, it has me thinking!

  5. John Avatar

    Hi,
    Greed, Greed and Greed…
    Still as the rest of us simple people of Ireland endure our over paid politicians spare a minute for this wonderful blog that we received, it’s simple but perhaps can help in these terrible economic times created by a few greedy individuals !
    Enjoy, reflect, react !
    http://jobs2ireland.com/jobs2ireland-blog/signs-that-job-market-is-slowing-down/comment-page-1/#comment-18
    John

  6. Cara Avatar
    Cara

    It sounds like the way law firms compensate their attorneys. Every hour spent training a new attorney was one less hour that could be billed to a client.

  7. Bobsutton Avatar

    The modern law firm is a sick organizational form. The way they rank them is by “profits per partner,” essentially glorifying individual stars who succeed at the expense of their colleagues and families too. The law firms also play funny games, labeling as few people as possible as “equity partners” to make it look like they are making money per partner than they actually are — not all firms and lawyers are that bad, some are somehow able to transcend this sick system. But I still recall talking to a sad and worn-out looking lawyer at a big East Coast firm, who had made a couple million bucks the year before, who lamented at how inhuman his firm — and him too — had become in the process.

  8. dblwyo Avatar

    Bob – here, here. But what’s your alternative ? That’s a very serious questions as incentive systems will always be with us. The article appeals to two key points – 1 dimension systems being the problem and good management the answer. Now I’ve designed my share of sales plans and the guys always found the holes no matter what. But it strikes me that good mgt ain’t a sufficient answer. We need a multi-dimensional incentive structure that balances things out. In the MER example overall team performance across the newbies and the salted would have helped for example. In the collapse of the FinInd why can’t the rocket scientists who designed CDOs design a proper incentive system that balances risks and rewards AND short-term and long-term. If you make sustainable l.t. profits with minimized and appropriate risk then you get paid.
    This strikes me as a fundamental and mission-vital problem in organizational design worthy of your and your colleagues best efforts and sorely and sadly needed.

  9. Mishkin Avatar
    Mishkin

    I work for a big four accounting firm and we have a very different culture. We bill by hour but we are encouraged to spend time coaching and teaching and it really pays off. We have anonymous upper feedback which is used in compensation and promotion decisions in manager level and above – your work product gets you a salary increase, but you can also get a bonus for teaching, volunteering, and taking part in firm’s initiatives. Now, these are not wall street bonuses, but still. Granted you can still find a jerk here and there but they are not pervasive. I think the firm is a great place to work and I love our culture.

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