From: Wang Yan
Date: 2008/8/26
Subject: Seeking for Your Consideration.
To:
Good day,
I am Wang Yan,a staff of Private Banking Services at the
Bank of China (BOC). I am contacting you concerning our
customer and, an investment placed under our banks
management 4 years ago.
I would respectfully request that you keep the contents of
this mail confidential and respect the integrity of the
information you come by as a result of this mail. I
contacted you independently of our investigation and no one
is informed of this communication. I would like to intimate
you with certain facts that I believe would be of interest
to you.
In 2002, the subject matter; ref: bb/boc/bank/0012 came to
our bank to engage in business discussions with our Private
Banking Services 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 (invest) on his behalf.
I was the officer assigned to his case; I made numerous
suggestions in line with my duties as the de-facto chief
operations officer of the Private Banking Services
Department, especially given 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
6000 traditional stocks and bond managers and 2000 managers
of alternative investments. Based on my advice, we spun the
money around various opportunities and made attractive
margins for our first months 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 mid 2004, he asked that the money
be liquidated because heneeded to make an urgent investment
requiring cash payments in Europe. He directed that I
liquidate the funds and had it deposited with a firm. I
informed him that the 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 and had the funds available. 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 9th October, 2004.
In January last year, we got a call from the security firm
informing us that 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. Imade futile efforts to locate him I
immediately passed the task of locating him to the internal
investigations department of the bank of china. Four days
later, information started to trickle in, apparently he was
dead. A person who suited his description was declared dead
of a heart attack in Canne, 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
intestate.
In line with our internal processes for account holders who
have passed away, we instituted our own investigations in
good faith to determine who should have right to claim the
estate. This investigation has for the past months been
unfruitful. We have scanned every continent and used our
private investigation affiliate companies to get to the root
of the problem. The investigation did not ever yield any
result My official capacity dictates that I am the only
party to supervise the investigation and the only party to
receive the results of the investigation. This leaves me as
the only person with the full picture of what the prevailing
situation is in relation to the deposit and the late
beneficiary of the deposit. According to practice, the firm
will by the end of this financial year broadcast a request
for statements of claim to BOC, failing to receive viable
claims they will most probably revert the deposit back to
BOC. This will result in the money entering the BOC
accounting system and the portfolio will be out of my hands
and out of the Private Banking Services Department. This
will not happen if I have my way.
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$ 8,370,000.00 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 BOC is concerned,
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. 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
give instruction for the release of 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. 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. I assure you that I
could have the deposit released to you within a few days. I
will simply inform the bank of the final closing of the file
relating to the customer I will then officially communicate
with firm and instruct them to release the deposit to you.
With these two things: all is done. The alternative would be
for us to have 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 and
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 myself 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 ones' way once
in a lifetime. I cannot let this chance pass me by, for once
I find myself in total control of 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 family man 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 this same email account. If you give me positive
signals, I will initiate this process towards a conclusion.
I wish to inform you that should you contact me via official
channels; I will deny knowing you and about this project. I
repeat, I do not want you contacting me through my official
phone lines nor do I want you contacting me through my
official email account. Contact me only through this email
address. I do not want any direct link between you and me.
My official lines are not secure lines as they are
periodically monitored to assess our level of customer care
in line with our Total Quality Management Policy. Please
observe this instruction religiously. Please, again, note I
am a family man; I have a wife and children. I send you this
mail not without a measure of fear as to what the
consequences, 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.
If interested and we can be of one accord, kindly respond
to my email (wg4yan58@yahoo.com.hk) immediately to enable us commence
this line of discussion.
I await your response.
Wang Yan.
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