“But to answer your question, I’m planning to use a family member with a different last name than mine. She’s from my wife’s side, and she’s not even a U.S. citizen; she’s British. I’m flying to London tomorrow morning, and I can have her back here the day after tomorrow—passport in hand—ready to open an account at your bank.”
Saurel nodded once and said, “I assume you trust this woman implicitly, because if you don’t, we can provide you with people who will use their own passports. These people are entirely unsophisticated—mostly farmers and shepherds from the Isle of Mann or other tax-free havens such as that—and they are one hundred percent trustworthy. Furthermore, they will not be allowed access to your account. But I’m sure that you have already taken this woman’s trustworthiness into consideration. However, I would still suggest that you meet with a man named Roland Franks. *3He is a professional with matters such as these, especially in the creation of documents. He can create bills of sale, financial letters, purchase orders, brokerage confirmations, and almost anything else within reason. He is what we call a trustee. He will help you form bearer corporations, which will further insulate you from the prying eyes of your government and allow you to break up your ownership of public companies into smaller increments, to avoid filing any of the requisite forms for over five percent stock ownership. He would be invaluable to a man like you—in all aspects of your business—both foreign and domestic.”
Interesting. They had their own vertically integrated rathole service. You had to love the Swiss. Roland Franks would act as a forger—generating documents that would support a notion of plausible deniability. “I would very much like to meet this man,” I replied. “Perhaps you can arrange something for the day after tomorrow.”
Saurel nodded and said, “I will see to it. Mr. Franks will also be helpful in developing strategies, which will pave the way for you to reinvest or, for that matter, to spend as much of your overseas money as you so desire, in ways that will not be, as you say, red-flagged by your regulatory agencies.”
“For instance?” I asked open-endedly.
“Well, there are many ways—the most common of which is to issue you a Visa card or an American Express card, which will be tied directly to one of your accounts at the bank. When you make a purchase, the money will be automatically deducted from your account.” Then he smiled and said, “And from what Kaminsky tells me, you spend quite a bit of money on your credit cards. So this will be a valuable tool for you.”
“Will the card be in my name or in the name of the woman I plan on bringing to the bank?”
“It will be in your name. But I would recommend that you allow us to issue one to her as well. It would be wise to let her spend a token sum each month, if you follow my line of thinking.”
I nodded in understanding. It was plainly obvious that having Patricia spend money each month would further support the notion that the account was actually hers. But I saw a different problem—namely, that if the card was in my name, all the FBI would have to do was follow me around while I went shopping and then walk into a store after I’d made a purchase and demand to see the credit-card imprint. Then my goose would be cooked. I found it odd that Saurel would recommend a strategy that I’d shot a broad hole through so quickly. But I chose to keep that thought to myself. Instead, I said, “In spite of my lavish spending habits, I still see that as a way to spend only a modest sum. After all, Jean, the transactions we’re contemplating are in the millions. I don’t think a debit card—as we call it in the U.S.—will make much of a dent in that. Are there other ways where larger amounts can be repatriated?”
“Yes, of course. Another common strategy is to put a mortgage on your home—using your own money. In other words, you would have Mr. Franks form a bearer corporation and then move money from one of your Swiss accounts into the corporate account. Then Mr. Franks would draw up official mortgage documents, which you would sign as the mortgagee and receive the money like that. This strategy has two benefits. First, you will be charging yourself interest, which will be earned in whatever country you choose to form your overseas corporation. Nowadays, Mr. Franks prefers to use the British Virgin Islands, which tend to be very lax with their paperwork requirements. And, of course, they have no income taxes. The second benefit is in the form of a domestic tax deduction in the United States. After all, in your country, mortgage interest is tax deductible.”
I ran that one through my mind and had to admit it was clever. But this strategy seemed even riskier than the debit card. If I were to put a mortgage on my home, it would be recorded by the Town of Old Brookville, which meant all the FBI would have to do is go down to the town and request a copy of my deed—at which point they would see that an overseas company had funded the mortgage. Talk about your red flags! Apparently, this was the more difficult part of the game. Getting money into a Swiss bank account was easy, and shielding yourself from an investigation was easy too. But repatriating the money without leaving a paper trail would prove to be difficult.
“By the way,” Jean asked, “what is the name of the woman you will be bringing to the bank?”
“Her name is Patricia; Patricia Mellor.”
Saurel smiled his conspirator’s smile once more, and he said, “That is a fine name, my friend. How could a woman with such a name ever break the law, eh?”
An hour later, Saurel and I had stepped out of the hotel elevator and were walking down the fourth-floor hallway on our way to Danny’s room. Like the lobby, the hallway’s carpet had the look of the retarded monkey, and the color scheme was the same sad mixture of dog-piss yellow and regurgitation pink. But the doors were brand-spanking new. They were dark-brown walnut, and they gleamed brilliantly. An interesting dichotomy, I thought. Maybe that was what they meant by Old World charm.
When we reached Danny’s gleaming door, I said, “Listen, Jean—Danny is quite the party animal, so don’t be surprised if he’s slurring a bit. He was drinking scotch when I left him, and I think he’s still got some sleeping pills in his system from the flight over. But, whatever he sounds like, I want you to know that when he’s sober he’s sharp as a tack. In fact, he lives by the motto ‘If you go out with the boys you gotta wake up with the men.’ You understand, Jean?”
Saurel smiled broadly and replied, “Ah, but of course I do. I could not help but respect a man who lives by such a philosophy. This is the way of things in much of Europe. I would be the last man to judge another based on his desire for the carnal pleasures.”
I turned the key and opened the door, and there was Danny, lying on the hotel-room floor, flat on his back, wearing nothing at all—unless, of course, you consider naked Swiss hookers clothing. After all, he was wearing four of those. There was one sitting on his face, backward, with her tight little butt smothering his nose; there was a second mounted upon his loins, thrusting up and down. She was engaged in a ferocious kiss with the girl sitting on Danny’s face. There was a third hooker holding his ankles down in a spread-eagle position, and the fourth hooker was holding his arms down, also spread eagle. The obvious fact that two new people had entered the room hadn’t slowed them down a bit. They were still going strong—business as usual.
I turned to Jean and took a moment to regard him. His head was cocked to one side and his right hand was rubbing his chin thoughtfully, as if he were trying to make heads or tails of what each girl’s role was in this sordid scene. Then, all at once, he narrowed his eyes and began nodding his head slowly.