When I worked as a mortgage processor this was a major issue we would try to ensure we got right. Fortunately we wired money to title companies who would just give us money back if we screwed up because they wanted our business.

I can't see a federal judge siding with this. A business transaction conducted in error by a lower employee does not entitled you to excessive funds like this. Like I'm not kidding, I could've wired 1 million dollars to wherever at a moment's notice. My supervisors wouldn't know until accounting caught it days even weeks ahead of time...if they caught it.