Habit of making alterations costs dealing representative $28,500.

Firm levies its own internal penalties for using WhatsApp and failing as gatekeeper.

Registered representative ordered to pay $386,492.

Rep also fined and banned for processing transactions to increase his commission.

Failing to report client complaints, misleading firm results in six-month ban and $20,000 fine.

Representative attempts to pay off client following complaint.

Regulator fines dealing representative $28,000, reserves decision on costs.