Richard Rhymer,
Years ago there was a study done on offenders/offenses, profiles of sorts, in Alaska (around 1989 or so).
Embezzlement (at that time) was usually committed by a female working at a non-profit who usually used the money on a addiction or because of an addiction. She is most often the treasurer or bookkeeper. Often times they will not take time off, including vacation so they are seen as very dedicated people. The reason they don't take time off is someone else may look at the checking account/books or find failure to pay bill notices in the mail that they had been hiding from the group.
Drugs, alcohol, shopping "addiction" ( yes, she claimed she had an addictive personality and since she had stopped drinking her new addiction became shopping for herself). Some people view embezzlement as a victimless crime but tell that to the youth who lost their travel money they paid or to the people who worked very hard to fund raise for a non-profit only to hear it was "embezzled.