CHAPTER 1
On a wet Thursday Simone Fletcher and the bank's IT manager Jackson Mitchell spent four hours at one of the bank's branches where discrepancies had been discovered by internal audit. Simone was the vice-president responsible for auditing and she and her team had been unable to discover who had taken the missing $85,000.
Simone knew the board and the president would be angry with her if she failed to uncover who'd milked the branch holdings. In desperation she turned to Jackson, knowing it could have only occurred by electronic transfer.
She told the thirty-one year old she wanted him to look around the branch to see if he could come up with ideas and asked, "Do you have software that can detect repetitive withdrawals?"
"Yes but you of all people must understand all automatic transfers are made between accounts each day but the hundreds, if not thousands."
"Damn, of course. I'm losing my way on this."
"Just relax. Panicking won't solve anything."
They toured the bank with its manager.
Back in the manager's office Jackson did an electronic sweep for concealed cameras or microphones, making the manager greatly relieved when Jackson announced, "It's clean. The only readings I got were the two security cameras that we already knew about plus your two panic alarms. So we can take it no one is listening to us. Have you gone through the records to double check the initial report that only one person has left this branch during the past three months?"
"Yes we checked three times and I am positive only one person left our employ and that person was a receptionist. In the three months prior to that one teller left to have a baby and has since returned, and a mortgage loan originator another receptionist and my predecessor left and we have had head office re-run security checks on all those personnel and nothing untoward turned up."
"So the person you replaced as manager. How many months ago did he leave?"
"Five months but he's solid."
"One can never be sure..."
"Leave it Jackson," smiled Simone. "He's Clive Ellis, operations manager at HQ. Why would he steal from here and remain at the bank, taking such a risk for just eighty-five grand?"
"Is there any evidence he gambles?"
"Christ Jackson, I said leave it. I know you studied forensics but for your information Clive is a lay preacher and like all of our people with hands on the till we practically know even their favorite color of underwear."
"Okay okay. You asked me to help. Someone with a clear head and a fresh way of thinking you said."
"Well don't disappoint me."
"God you can be such a bitch at times."
"Now look here young man Mrs Fletcher is one of our most senior executives and I simply won't..."
"Leave it Charles and thanks for your support but my young guy here is more intelligent than he looks and hugely qualified as a troubleshooter. I'm backing his brain ahead of good manners and don't expect to be disappointed."
But her confidence took a tumble.
"Well I'm stumped."
Simone looked away from Jackson and sighed, "Oh crap."
"Except for one last think. Call security Charles and..."
"I'm Mr Noble to you young man."
"Call security. I wish to make a supervised search of the staff locker room."
"Permission to do that has to come from HQ."
Jackson grinned. "Simone?"
"Permission granted Jackson. What the hell is this for?"
"Dunno. The last man standing must have asked a question like that when holding a gun and seeing there was no one else to shoot."
"What the hell is your Jackson talking about?"
"Cool it Charles. Please get head of security here at once."
There was a quick search of the seventy-three lockers and the only thing that interested Jackson was a laptop plus a second bag of electronic accessories.
"Charles please ensure security doesn't allow the guy who has this locker, Paul Fenton, leave the bank until I have completed my examination of this computer."
"Are you on to something Jackson?"
"Alarm bells are ringing in my head Charles. Why would a guy who uses a laptop to catch up with sports results, porn and newspaper headlines, and check his personal emails during breaks also want with these accessories?"
"Jesus," said Simone.
"Charles I suggest you keep our Mrs Fenton under surveillance at a distance, with a security guy at your side. What department does he work in?"
Charles practically whispered, "Internal audit."
"Oh how convenient," Jackson sighed and turning to Simone said, "There may have been a fuck-up with our security checks."
With tension building even Charles didn't react to use of the F-word. Simone had snapped into action.
"I get on to that while you run your interrogation program. May we use your office Charles?"
"Please do Simone."
Almost an hour later Jackson called Charles, conscious that Simone had a congratulatory hand still on his shoulder. "Please find for me urgently the identify of the guy who opened an account, presumably an alias account, with the name Steven Raymond Ash."
"Please hold, I'm with reach of an appropriate secure computer."
Within two minutes Jackson said, sounding almost out of breath, "Paul James Fenton."
"Have him detained and call the police fraud squad. I have electronically discovered links in his deleted computer files that establish without doubt he has made withdrawals from almost non-active accounts and transferred all of them to the account of Steven Raymond Ash totaling $85,525 which is $525 more than the internal audit uncovered."
* * *
As Simone headed the white Lexus towards the bank's head office she said, "I owe you big on this Jackson. Had we failed I would have received a rocket."
"Well that's very honest of you to say that Simone. Let me say the bank was only saved by internal audit. Many others in senior management with shared responsibility will be shaken over this and security checking will be in question if that guy has done something like this in his past. Well what about rewarding me with late lunch. I'm hungry."
"Oh god, of course you will be, being young and male. I know this area as my daughter Riley works nearby. Here's a parking spot."
They sat and while Simone ordered Jackson scanned the café and noticed a young woman looking at them with a hostile expression. He avoided staring at her. He couldn't remember having dated her.
He asked for a beer and a beef burger lightly done.
They were eating when that young woman in white was beside him looking across at Simone and saying, "So does daddy know you do this?"
"Oh hi Riley. This is Jackson who works for our bank in management."
"Oh yeah, that's a good one mom. Your youngest manager is fifty or almost there."