Then we say the shell company went bankrupt.”

The bank’s chief compliance officer stood up from his table.

“Mr. Montalvo, you are suspended from all management duties, effective immediately, pending a full investigation into fraud, abuse of position, and unauthorized transactions on a client account.”

Ross went white.

Two plainclothes agents from the Prosecutor’s Office came up the stage steps.

“Mr. Montalvo, we need you to come with us regarding grand fraud, fraudulent administration, document forgery, and tampering with evidence.”