Bill Q. Chen (CRD # 4442892, Registered Representative, Arcadia, California) submitted an Offer of Settlement in which he was barred from association with any FINRA member in any capacity. Without admitting or denying the allegations, Chen consented to the described sanction and to the entry of findings that he engaged in misuse of customer funds when, without a customer’s knowledge, authorization or consent, he caused the transfer of $10,000 from the customer’s bank account to the bank account of a business acquaintance to whom Chen owned money. The findings stated that the firm’s operations personnel detected the transaction and then Chen reversed it.