... let me put it this way, in my case the bank didn't admit to anything (that their employee stole my money) and still didn't UNTIL after you got a lawyer to straighten them up (proved that it wasn't your faulty memory or worst their accusation it was your family) who withdrew your money.And the out of country is about 10% of the total with the rest being in Canada .... but don't let that interfere with your thinking.
If it's been a bank employee, the bank didn't admit to it for those who have been re-reimbursed without a lawyer being involved.
For better or worse, that's been the case for those I know. I must be lucky to not know the many others you are talking about who have to involve lawyers.
Of course, the lawyer is at your own expense and after the bank did decide to investigate and proved it was "internal thievery" (aka funds lifted by one of their employee), was your legal fees paid? Nope ... nada ... you won't even get an apology as decent as they are.