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“Listen.” The man finally turned to him, perturbed. “It’s Dani, isn’t it?”

“Yes, Dani.” Thibault nodded.

Thibault knew the man’s story better than his own. He was a senior investment manager at a troubled fund that had just been bought by one of the large banks. He’d bet huge on the spread between mortgage rates and bonds, the evaporating spread, and now his positions were in free fall. The last two years, multimillion-dollar bonuses had been paid in restricted stock. And to support his fancy lifestyle-the kids in the right school, the ski house in Vail, the twelve-thousand-square-foot castle under construction-Lands’ End had been borrowing against it heavily. A little at a time, then more as the stock price went down. Never believing it was anything more than a blip. A blip that would reverse.

That blip was about to kill him now.

Thibault placed his hands squarely on the man’s shoulders. “Actually, I thought we might discuss something else.”

Soon he’d be getting margin calls. Calls, with all his cash pledged, that he couldn’t meet. Then he’d talk about maybe unloading some property, property that was plummeting just as fast, that wouldn’t sell. Who knew, in a month he might even lose his job. The sweats were definitely coming out at night. Thibault knew he was as good as dead, as dead as the banks. Just walking around. Zombie.

Piqued, the man said, “Listen, Dani, or whatever you go by, call me at the office if you have another deal. Not here. I’m watching my kid. You understand?”

Thibault had pitched him on a Dutch retailer that was for sale, a private equity thing. Just feeling him out. First they had met at the Field Club in Greenwich. Thibault had a nose for the smell of panic underneath his calm country-club veneer.

Zombie.

“I was just thinking about the future, that’s all. Those big bonuses are a thing of the past now, aren’t they, Ted? How much does it look like this year?’

“What are you now”-the man suddenly turned-“my fucking estate planner?”

“Yeah, Ted.” Thibault leveled his gaze on Ted’s eyes. “That’s exactly what I am, my friend. I’m your ticket out, if you’re smart. Your only ticket.”

The whistle blew. Half time. The girls on the field headed to their locker rooms. The man shifted around, annoyed. But didn’t walk away. “What are you talking about?”

“Maybe we can have a drink next week. About how you’re going to get out of this mess. How you’re going to finish that house. Fork up the hundred and fifty grand for the girls. Plus the place in Jupiter, right? You know what I mean?”

“I said we’d look at your proposal,” the hedge fund manager said. “If that’s gone, send me another. I’ll run it by the committee.”

“No, that’s all changed, Ted. I’m no longer looking for a penny from you.” Thibault’s cool, purposeful smile seemed to make the man uneasy. “It’s the other way around now. Enough to get you out of this mess. For good. Enough to sort out that life of yours that’s underwater. Enjoy the game,” Thibault said, looking past him to the field and patting him firmly on the shoulders. “I’m your banker now.”

CHAPTER THIRTY-ONE

The connection he’d found between Dani Thibault and both dead traders weighed on Hauck the whole next day.

Taken separately, it all meant nothing. Only the loosest circumstantial connection that didn’t prove a thing. Thibault lived in that world. He might well have known both Glassman and Donovan. It wasn’t enough to take to Chrisafoulis or Foley.

Yet it was more than he could put aside.

Wednesday, he awoke clearheaded. And he knew what to do.

He called Steve Chrisafoulis at the station, Tom Foley’s admonition still in his mind. Steve wasn’t there. He chatted for a few seconds with Brenda, his old secretary. “Tell him to call me back,” he asked her. “It’s pretty important.”

For the next few hours he did his best to focus on things at work. But he was distracted. He waited for Steve’s return call. Thibault was connected. The two dead traders were connected. He knew it. But he just couldn’t prove it-at least not on his own. Everyone was right. He had made his choices. He wasn’t a cop anymore.

Now someone else had to run with the ball.

Around three, he realized he hadn’t heard back from Steve. He tried him once more. He needed to get what he knew off his chest. This time, Brenda told him, “He had to run into the city. You have his cell, don’t you?”

Hauck did. “Just tell him to give me a call on his way back.”

When his phone shook a short time later he figured it was Steve finally calling him back, but it turned out to be Richard Snell from London. Hauck glanced at his watch, figuring the time there. “You’re sure burning the candle a bit late…”

“I’m actually calling you from home,” the Talon British director said. “That search you had me looking into, Thibault-”

“Listen, Richard,” Hauck said, cutting him off, “I should’ve called. Tom Foley asked me to-”

“I know precisely what Tom asked,” Snell said. “He called here as well. But if you’ve got a paper and pen, I think I can be of some help. Something came back.”

Hauck grabbed a pen off his desk. “Go ahead.”

“Before we were told to stop, we started looking into his banking connections over here. Thibault maintains a personal account in his own name at RBS. Most of what goes on seems on the up-and-up. He pays for a flat in Kensington. A housekeeper. Some monthly expenses. What did strike me as interesting, however, is that every month, like clockwork, there’s a payment of three thousand euros wired from his account to another European bank.”

“To the Netherlands?” Hauck asked. That was where Thibault was supposedly from.

“No, to an AstraBanca,” the Brit replied. “In a town called Novi Pazar. In Serbia.”

“Serbia!” Hauck pushed back in his seat. “Wired to whom?”

“We’re not sure. A woman. The name on the account is a Maria Radisovic. Ring a bell?”

Hauck had never heard the name before. “No.”

“I’m not surprised. We did a quick check. She’s sixty-eight years old. Her husband, Evo, is dead. She’s got a daughter, Ola. Receives a small monthly pension from an auto parts factory there.”

Serbia.

It triggered Hauck’s memory of Merrill Simons’s mentioning a photograph she had found in Thibault’s wallet. Two women, one older, in an unidentified European city. The other, she thought, was around Dani’s age.

Hadn’t Thibault claimed to have been part of a Dutch force stationed in Serbia during the war?

“My suggestion,” Snell went on, “is to get me a set of prints. Or even better, a toothbrush or a drinking glass. His DNA. We’ll find out who the bastard really is. But if you want my guess,” the Brit said, “if we went and dug through the local birth records, it wouldn’t surprise me to find out your Dani Thibault-whatever his real name is-isn’t Dani Thibault at all, but most likely, in the end, Maria Radisovic’s son.”

CHAPTER THIRTY-TWO

What Snell had found coursed through Hauck. Thibault had claimed to be Dutch. Or Belgian. Now he had a tie-in to a woman in Serbia. He had lied about his past, his banking connections. Now he had a link to both dead traders. It was only getting deeper. Hauck knew it was gradually climbing over his head. He wasn’t sure what to do.

Merrill should know this. The FBI should know this. He had given his word not to divulge anything. To his boss and to his client.

But it was also a potential embarrassment if it ever got out that this was a guy the firm was protecting.

He tried Foley at the New York office. His secretary said he was in meetings and wouldn’t be free until after five. Hauck said he was coming in and insisted on a couple of minutes with him. This was always how it began. Something small, an accident, a confidential search he stumbled upon. That grew. Four people were now dead. Two large banks had failed. This was larger than the firm’s commitment to Reynolds Reid. Larger than something they could simply put on hold.