Yup Rondog, I understand and feel ya completely.
Unfortunately, you suffered no loss as the bank "made you whole". The D.A.'s office would not consider you a victim anymore and the victim is now the bank, which didn't want to pursue any charges.
So, your co-worker gets off scot free because the bank doesn't want to pursue charges. They will just add it to the cost of doing business, charge all of us more for their services to cover that cost of doing business and the world continues to revolve. Kind of unfair, isn't it?
Then and now, I cannot get a bank to be a victim of a crime. I've only seen some limited success with banks wanting to be a victim and it generally revolved around large, unsecured loans or risky loans on investment property.
I've done a couple of mortgage fraud type cases and we've generally have to go after the suspect not for defrauding the bank, but for filing fraudulent papers, as the bank doesn't want to get involved and will suffer the loss. Go figure.