By Jeffrey Quiggle Wells Fargo CEO Charlie Scharf cited his bank’s ‘transformation journey’ as the reason he turned down a pay increase. In 2016, when Wells Fargo (WFC) – Get Free Report was fined $185 million for widespread cross-selling, the bank began a process of self-introspection. Cross-selling, the practice of selling additional products to customers purchasing goods and services, was found to be an abused practice among the bank’s employees. When a customer would agree to add, for example, a credit card to an existing checking account, that wouldn’t have been a problem. But Wells Fargo…