The lawsuit sent Westpac shares down as much as 3% by midsession, outpacing a broader share market decline of 1.3%, as investors began counting the financial and reputational cost of the lawsuit. CHILD EXPLOITATION RISKS "Whatever penalty they get ... will be premised on the idea of causing them pain, that's what a civil penalty is," said Brian Johnson, a banking analyst at Jefferies Australia. Most alarming were details on the failure to address risks of child exploitation, Johnson added. The AUSTRAC filing said Westpac knew since 2013 about "heightened child exploitation risks associated with people who made frequent low value payments to the Philippines and South East Asia" but did not set up an automated detection system until 2018.