Dai Ying
General Manager
Global Markets Department
Bank of China (Hong Kong) Limited
Email: yingdaimiss@live.hk
Thank you for giving me your time. Please be patient and read my email to
you.
I am a staff of Bank of China (Hong Kong) Limited. I am contacting you
concerning a customer and, an investment placed under our banks management
4 years ago, I contacted you independently of our investigation and no one
is informed of this communication and I would like to intimate you with
certain facts that I believe would be of interest to you.
In 2007, the subject matter; ref: BOC/BOCCN/70 came to our bank to engage
in business discussion with our Private Banking Service Department. He
informed us that he had a financial portfolio of 8.35 million United
States Dollars, which he wished to have us turn over on his behalf. Being
the general manager of global markets; I made numerous suggestions at that
particular period to him, especially the volume of funds he wished to put
into our bank. We met on numerous occasions prior to any investments being
placed. I encouraged him to consider various growth funds with prime
ratings. The favored route in my advice to customers is to start by
assessing data on 600 traditional stocks and bond managers and alternative
investments. Based on my advice, we spun the money around various
opportunities and made attractive margins for our first month of
operation, the accrued profit and interest stood at this point at over 10
million United States Dollars, this margin was not the full potential of
the fund but he desired low risk guaranteed returns on investments. In
late 2008, he asked that the money be liquidated because he needed to make
an urgent investment requiring cash payments in Europe. He directed that I
liquidate the funds and had it deposited with a firm in Europe. I informed
him that our bank would have to make special arrangements to have this
done and in order not to circumvent due process, the bank would have to
make a 9.5 % deduction from the funds to cater for banking and statutory
charges. He complained about the charges but later came around when I
explained to him the complexities of the task he was asking of us. Cash
movement across borders has become especially strict since the incidents
of 9/11.
I contacted my affiliate in Europe and had the funds available in main
land Europe. I undertook all the processes and made sure I followed his
precise instructions to the letter and had the funds deposited in a
security consultancy firm, the firm is a specialist private firm that
accepts deposits from high net worth individuals and blue chip
corporations that handle valuable products or undertake transactions that
need immediate access to cash. This small and highly private organization
is familiar especially to the highly placed and well-connected
organizations. In line with instructions, the money was deposited. He told
me he wanted the money there in anticipation of his arrival from Norway
later that week. This was the last communication we had, this transpired
around 25th February 2009. In June last year, we got a call from the
security firm informing us of the inactivity of that particular portfolio.
This was an astounding position as far as I was concerned, given the fact
that I managed the private banking sector I was the only one who knew
about the deposit, and I could not understand why he had not come forward
to claim his deposit. I made futile efforts to locate him I immediately
passed the task of locating him to the internal investigations department
of our bank. Four days later; information started to trickle in, that he
was apparently dead.
A person who suited his description was declared dead of a heart attack in
Cannes, South of France. We were soon enough able to identify the body and
cause of death was confirmed.
The bank immediately launched an investigation into possible surviving
next of kin to alert about the situation and also to come forward to claim
his estate. If you are familiar with private banking affairs, those who
patronize our services usually prefer anonymity, but also some levels of
detachment from conventional processes. In his bio-data form, he listed no
next of kin. In the field of private banking, opening an account with us
means no one will know of its existence, accounts are rarely held under a
name; depositors use numbers and codes to make the accounts anonymous.
This bank also gives the choice to depositors of having their mail sent
to them or held at the bank itself, ensuring that there are no traces of
the account and as I said, rarely do they nominate next of kin. Private
banking clients apart from not nominating next of kin also usually in most
cases leave wills in our care, in this case; he died in testate.
What I wish to relate to you will smack of unethical practice but I want
you to understand something. It is only an outsider to the banking world
who finds the internal politics of the banking world aberrational. The
world of private banking especially is fraught with huge rewards for those
who occupy certain offices and oversee certain portfolios. You should have
begun by now to put together the general direction of what I propose.
There is US$ 9,500,000.00 deposited, I alone have the deposit details and
they will release the deposit to no one unless I instruct them to do so. I
alone know of the existence of this deposit for as far as the finance
firm, the transaction with our deceased customer concluded when I sent the
funds to the firm, all outstanding interactions in relation to the file
are just customer services and due process. The finance firm has no single
idea of what's the history or nature of the deposit. They are simply
awaiting instructions to release the deposit to any party that comes
forward. This is the situation. This bank has spent great amounts of money
trying to track this man's family; they have investigated for months and
have found no family. The investigation has come to an end.
My proposal;
I am prepared to place you in a position to instruct the finance firm to
release the deposit to you as the closest surviving relation. Upon receipt
of the deposit, I am prepared to share the money with you in half and no
more. That is: I will simply nominate you as the next of kin and have them
release the deposit to you. We share the proceeds 50/50. I would have gone
ahead to ask the funds be released to me, but that would have drawn a
straight line to me and my involvement in claiming the deposit. But on the
other hand, you as a foreigner and also with all the necessary legal and
official documentations from me and the presiding attorney and also with
the authority vested upon me by the original depositor, you would easily
pass as the beneficiary with the rights to claim. I assure you that I
could have the deposit released to you in a few days. I will simply inform
our bank of the final closing of the file relating to the customer. I will
then officially communicate with the finance company and instruct them to
release the deposit to you.
With these two things: all is done. The alternative would be for us to
have the firm direct the funds to another bank with you as account holder.
This way there will be no need for you to think of receiving the money
from the firm. We can fine-tune this based on our interactions. I am aware
of the consequences of this proposal. I ask that if you find no interest
in this project that you should discard this mail. I ask that you do not
be vindictive or destructive. If my offer is of no appeal to you, delete
this message and forget I ever contacted you. Do not destroy my career
because you do not approve of my proposal. You may not know this but
people like me who have made tidy sums out of comparable situations run
the whole private banking sector. I am not a criminal and what I do; I do
not find against good conscience, this may be hard for you to understand,
but the dynamics of my industry dictates that I make this move. Such
opportunities only come once in a lifetime. I cannot let this chance pass
me by I hope you understand because for once I found myself in total
control and face to face with my destiny. These chances won't pass me by.
I ask that you do not destroy my chance, if you will not work with me let
me know and let me move on with my life but do not destroy me. I am a
married woman with 2 kids and this is an opportunity to provide them with
new opportunities. There is a reward for this project and it is a task
well worth undertaking. I have evaluated the risks and the only risk I
have here is from you refusing to work with me and alerting my bank. I am
the only one who knows of this situation, good fortune has blessed you
with a name that has planted you into the center of relevance in my life.
Let's share the blessing.
If you find yourself able to work with me, contact me through my email. If
you give me positive signals, I will initiate this process towards a
conclusion.
Please observe this instruction judiciously. Please note again, I am a
happily married with two kids. I send you this mail not without a measure
of fear as to what the consequences might be, but I know within me that
nothing ventured is nothing gained and that success and riches never come
easy or on a platter of gold. This is the one truth I have learned from my
private banking clients. Do not betray my confidence.
I await your response.
Sincerely,
Dai Ying
|
7262. Ying Dai (Ms)
