This is what Schneier calls a "movie-plot threat". Instead of imagining a complicated narrative that connects a poor credit score with episodes of control fraud, improve internal controls so that individual contributors don't have the ability to steal from customers. This would be safer, and more considerate of your colleagues.

Which isn't all that likely to show up on either a credit report or a background check.

It will. You pay the guy who will break your legs first. Thus you will be delinquent on other stuff.