If it goes fine, nobody notices. If it ever goes wrong — for any reason, even reasons unrelated to you — the first thing anyone will pull is this file.”

I sat in my own office with the door shut.

“You’re telling me the fraud is still working.”

“I’m telling you that a screening tool does not have a field for victim,” she said. “It has a field for match.”

We lost the contract in April.

We also lost, over the following two months, a smaller client who ran the same screen when they renewed, and one who did not tell us why. And an underwriter declined our professional liability renewal, which is a thing I did not know could happen and which took eleven weeks and Samuel’s personal telephone call to a man he’d known for thirty years to fix.