The bank said it had found cases of customers “misusing Paycheck Protection Program loans, unemployment benefits and other government programs,” according to the memo, which was verified by a bank spokeswoman. “Some employees have fallen short, too,” according to the memo, which was sent to staff by the bank’s top operating committee. The JPMorgan memo is one of the first signs that lenders and their staffs may be swept up in federal efforts to police pandemic-related aid programs.