Some examples of possible indicators are employees that are always in financial difficulty; strong resentment of superiors or constant job frustration; and employees living beyond their means, as far as you, the signer of paychecks understands. These may be innocent situations. The employee may just be in a rough patch in their life. It is also possible that there may be family money, lottery winnings, or a spouse with a well-paying job that explains them living beyond the paycheck that you sign. Overall it is good to have some level of trust of employees, but it is always a good idea to keep an eye out for indicators that something more disturbing may be going on.
John Robert Voynich, CPA