“By sight. He only came in a couple times to sign papers, such as when they refinanced their home. Mrs. Albright handled most, if not all, of the family’s finances, which isn’t a surprise since she was an accountant.”

Interviewing a witness—as well as a suspect—meant quickly profiling the subject. Perhaps unfair at times, it almost always succeeded. Because Pollero was on the old-fashioned side, over fifty, had a daughter roughly Lucy’s age, and was in the conservative banking profession, Lucy and Nate made an unspoken decision that she would be the nice agent and Nate would be more aggressive. Though they hadn’t been partners long, they knew each other’s strengths well.

So when Nate spoke, he was more commanding. Coupled with his military background and intimidating broad shoulders, he came across as authorative.

“Didn’t you think it was suspicious that Mrs. Albright changed the account of one of her clients?”

“I— Um, no, I didn’t.”

“Why?”

“I knew her.”

“I know Agent Kincaid, but I would find it suspicious if she wanted to take her husband off their joint bank account.”

“This was completely different,” he said. “Mrs. Albright set up the account, she had the authority to change it.”

“But she set it up with Mr. Kiefer and he was one of the signatories who was supposed to approve any transaction over ten thousand dollars.”

“Yes, but she had the appropriate forms.”

“Which she could have forged or manipulated Mr. Kiefer into signing,” Nate pushed. “You didn’t even think to call him? Verify that he gave her permission to—essentially—control a three-million-dollar account?”

“I— She wouldn’t— I mean— I had never thought— It wasn’t that unusual.”

“You have a fiduciary responsibility to protect your customers’ assets, and you not only acted wholly unprofessional, but she was able to transfer the money that night without raising any red flags on your end?”

“I— I don’t see why—what—I mean, I followed all regulations for that type of transaction.”

“Agent Dunning, I’m sure Mr. Pollero trusted Mrs. Albright. He’d been her banker for years.”

“I did,” he said, jumping on Lucy’s out. “I trusted her explicitly.”