AI + Fraud

Public concern about immigration and customer complaints against minority financial advisors

Management Science 2022, 68(11): 8464–8482

with Luo Zuo

Minority advisors are more likely to receive complaints when public concern about immigration rises.

Historical immigration

Key takeaways

The research question

Does social climate affect how customers evaluate financial professionals? Specifically, do minority financial advisors face more complaints when public concern about immigration increases?

What we found

When immigration becomes a salient public concern, complaints against minority financial advisors increase. This is not because minority advisors perform worse during these periods. The effect persists after controlling for advisor performance and other factors.

The pattern is consistent with discrimination. When immigration anxiety rises, customers become more likely to file complaints against advisors who appear to be immigrants or minorities.

Why this matters

Professional careers are shaped by forces beyond individual performance. Minority professionals face additional scrutiny during periods of social tension. Understanding this dynamic is essential for fair evaluation and career development.

For firms and regulators, this research suggests that complaint patterns should be interpreted carefully. A spike in complaints against minority advisors may reflect social climate rather than professional misconduct.

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