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It's not clear that there was malfeasance. Bad business performance isn't criminal.

misfeasance, in this case, more than malfeasance.

And of course there are consequences to senior management.

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Since they cashed out a bit and got their bonuses, they can probably take a vacation for a month or two and then come back and get a promotion in some other part of the financial industry. After all, they have learned a multi-billion dollar lesson. Don't want to throw that away!

a stern talking to is in order

A stern talking to about using their infinite money wisely, and not charging customers for the convenience. Perhaps a finger wag about doubling overdrafts to pay for their infinite money. A tsk for tripling monthly payments for student checking accounts.

hmm. perhaps even a blue ribbon commission...