Chapter 6 - The Transfer

The email showed that a payment request for two hundred fifty thousand dollars had been submitted under my credentials.
It had not yet been released.
Our company required two levels of approval for transactions that large. My login had supplied the first. Leonard Price, the CFO, would need to approve the second.
“Call Leonard,” I said.
Marissa was already dialing.
He answered from the office.
“We have a serious problem,” she told him.
“I’m looking at it.”
“Do not approve that transfer.”
“I wasn’t planning to.”
“Lock the entire vendor system.”
Leonard hesitated.
“That could disrupt payroll and active projects.”
“Someone has Claire’s credentials.”
“Her accounts were disabled.”
“Apparently not completely.”
I leaned toward the phone.
“Leonard, the receiving account belongs to the fraud operation connected to my identity theft. Contact your bank and the FBI.”
At the mention of federal authorities, his hesitation disappeared.
He ordered the payment system shut down.
For ten minutes, nothing happened.
Then Leonard cursed.
“What?” I asked.
“The transfer request disappeared.”
“Was it deleted?”
“No. It was rerouted.”
“To where?”
“A vendor reserve account.”
The money had moved internally, bypassing the normal external approval path. Someone who understood our accounting system had reclassified the transaction as a reserve allocation.
I knew of only six people with that level of knowledge.
I was one of them.
Leonard was another.
The remaining four worked in corporate systems, treasury, or compliance.
“Dominic has someone inside the company,” I said.
Marissa’s expression hardened.
“That explains the contractor connections.”
Detective Ortiz contacted federal agents while the company’s security team traced the login. The access appeared to come from my apartment’s internet connection.
That made no sense.
The apartment was under police observation.
Then I remembered Keaton’s old tablet.
It had been connected to our home network for years. If someone cloned the device credentials, they could make remote activity appear local.
“Keaton used my work laptop once,” I said.
Marissa looked at me.
“When?”
“Last winter. His computer stopped working, and he said he needed to update his résumé.”
“You gave him your password?”
“No. I logged in for him and opened a browser.”
“Did you leave him alone with it?”
“For twenty minutes.”
Detective Ortiz closed her eyes briefly.
“That may have been enough.”
At 6:40 p.m., the company successfully froze the reserve account.
At 6:42, Dominic called again.
This time, he did not speak.
A video appeared.
Keaton was tied to a metal chair in a dark room. Blood ran from the corner of his mouth. Behind him, I could see peeling green paint and part of a faded medical poster.
The old clinic.
Bernice’s former workplace had closed nearly five years earlier. The building had remained vacant while developers argued over permits.
Keaton looked toward the camera.
“Don’t come,” he said.
Someone struck him from behind.
The video ended.
Detective Ortiz ordered a tactical team to the building.
“You stay here,” she told me.
“I know the layout.”
“So does Bernice.”
“I visited her at work before it closed. There’s a rear records entrance and a basement storage corridor.”
Ortiz studied me.
“You are not entering that building.”
“I didn’t say I was.”
But we both knew I wanted to.
At 7:30, officers surrounded the old clinic.
No lights were visible.
No vehicles were parked nearby.
The rear records entrance was unlocked.
Inside, they found the metal chair from the video.
They found Keaton’s blood.
They found zip ties.
But they did not find Keaton, Bernice, or Dominic.
In the basement records room, agents discovered shelves filled with cardboard boxes.
Most contained old patient files.
Others contained financial applications, copies of identification documents, tax returns, credit reports, and signatures belonging to dozens of people.
I was not the only victim.
Bernice had spent years collecting personal information from patients.
She had not begun with me.
I was simply the most valuable identity she had found.
At 8:15, Detective Ortiz called me from the clinic.
“We found a second exit through the boiler room. They left before we arrived.”
“Any idea where they went?”
“We’re checking cameras.”
“Did you find my documents?”
“No.”
At 8:37, Austin called me.
His voice shook.
“I need protection.”
“Where is Keaton?”
“I don’t know.”
“Where is your mother?”
“With Dominic.”
“Is she his prisoner?”
Austin gave a bitter laugh.
“You still don’t understand.”
“Then explain it.”
“Dominic didn’t recruit Mom.”
My grip tightened around the phone.
“What are you saying?”
“She recruited him.”
The room went silent around me.
Austin continued.
“She started taking information from patients years ago. At first, she opened small credit cards. Then she found people with property and good salaries. Dominic turned it into a business.”
“And you?”
“I helped move money.”
“Keaton?”
“He wanted out.”
“When?”
“After you got promoted. He said Dominic was planning to use your company accounts. Keaton told Mom it had gone too far.”
I thought about Keaton’s announcement at dinner.
He was giving his entire paycheck to Bernice.
Had that been obedience?
Or had she been taking control of his money because he tried to leave?
“Where are they now?” I asked.
“There’s a house outside Westbridge. Dominic uses it for meetings.”
“Send me the address.”
“I need a deal first.”
“You forged my identity.”
“Mom did most of it.”
“You benefited from it.”
“I can testify.”
“Then call Detective Ortiz.”
“I don’t trust the police.”
“You trust me?”
“No,” he said. “But Keaton does.”
He sent me a location pin.
Then he added one final message.
DO NOT TELL ORTIZ UNTIL YOU GET THERE.
MOM HAS SOMEONE INSIDE HER UNIT.
I stared at the words.
Detective Ortiz had known details before I told her.
She had moved quickly, but every raid had arrived too late.
Someone had warned Dominic about the apartment.
Someone had warned him about the clinic.
I looked across Marissa’s office.
Detective Ortiz’s partner, Officer Grant, stood near the door, watching me.
His phone screen lit up.
May you like
For half a second, I saw the message displayed across it.
SHE GOT THE ADDRESS.