The Moneychangers (14 page)

And yet was it impossible?… An idea occurred to Edwina

A wall clock showed 2:10 P.M. She noted that the operations officer was at his desk nearby, Edwina got up. "Mr. Tottenhoe, will you come with me, please?"

With Tottenhoe glumly trailing, she crossed the floor, briefly greeting several customers en route. The branch was crowded and busy, as usual in the closing hours of busine
ss before a weekend. Juanita Nu
nez was accepting a deposit.

Edwina said quietly, "Mrs. Nunez, when you've dealt with thi
s customer, please put up your position closed
sign and lock your cash box."

Juanita Nunez made no response, nor did she speak when she had completed the transaction, or while transferring a small metal plaque to the counter as instructed. When she turned to close the cash box, Edwina saw why. The girl was crying silently, tears coursing down her cheeks.

The reason was not hard to guess. She had expected to be fired today and Edwina's sudden appearance confirmed that belief.

Edwina ign
ored the tears. "Mr. Tottenhoe,' she said, "I believe Mrs. Nun
ez has been working on cash since we opened this morning. Is that correct?" He acknowledged, "Yes."

The time period was roughly the same as on Wednesday, Edwina thought, though the b
ranch had been busier today.

She pointed to the cash box. "Mrs. Nunez, you've been ins
isting that you always know the
amount of cash you have. Do you know how much is in there now?"

The young woman hesitated. Then she nodded, still unable to speak through tears.

Ed
wina took a slip of paper from t
he counter and held it out. "Write down The amount."

Again, visible hesitation. Then Juanita Nunez took a pencil and scribbled 123,765.

Edwina passed the slip to To
ttenhoe. "Please go with Mrs. Nu
nez and stay with her while she balances out today's cash. Check the result. Compare it with this figure."

Tottenhoe looked at the paper skeptically. "I'm busy, and if I stayed with every teller…"

"Stay with this one," Edwina said. Recrossing the bank floor, she returned to her desk. Three quarters of an hour later Tottenhoe reappeared.

He looked nervous. Edwina saw his hand was shaking. He had the slip of paper and put it on her desk. The figure which Juanita Nunez had written had a single penciled tick beside it.

"If I hadn't seen it myself,"
the operations officer said, I
might not have believed." For once his gloom was gone, surprise replacing it. "The figure was right?" "Exactly right."

Edwina sat tensely, marshaling her thoughts.
Abruptly and dramatically, she k
new, almost everything concerning the investigation had changed. Until this moment, all assumptions had been based upon the Nunez girl's inanity to do what she had now demonstrated conclusively that she could.

"I remembered something while I was walking over just now," Tottenhoe said. "I did know somebody once; it was in a little country branch upstate must be twenty years or more ago who had that knack of keeping track of cash. And
I remember, then, hearing there
are other people like that. It's as if they had a calculating machine right inside their heads."

Edwina snapped, "I
wish your memory had been work
ing better on Wednesday."

As Tottenhoe returned to his own desk, she drew a notepad toward her and scribbled summations of her thoughts.

Nunez not yet cleared, but more believable. Possibly innocent victim? If not Nunez, who?

Someone who knows procedures, could somehow watch
for opportunity. Staff? Inside jo
b? But how? "How" later. Find motive first, then person. Motive? Someone who needs money badly?

She repeated in capitals, NEEDS MONEY. And added: Examine personal checking/savings account
s, all branch personnel TONIGHT!

Eldwina b
egan look
i
ng quickly through an FMA Headquarters phone book, looking for "Chief of Audit Service."

13

On Friday afternoons all branches of First Mercantile American Bank stayed open an extra three hours.

Thus, at the main downtown branch this Friday, the Outer street doors were closed and locked by a security guard at 6 P.M. A few customers, still in the bank at closing time, were let out by the same guard, one by one, through a single plate-glass door.

At 6:05 precisely, a series of sharp, peremptory taps sounded on the outside of t
he glass door. When the guard
turned his head in response, he observed a young male figure dressed in a dark topcoat and business suit, carrying a briefcase. To attract attention inside, the figure had tapped with a fifty-cent piece wrapped in a handkerchief.

As the guard approached, the man with the briefcase held an identity document flat against the glass. The guard inspected it, unlocked the door, and the young man stepped inside. Then, before the guard could
close the door; a proliferat
ion occurred, as unexpected and remarkable as a magician's trick. Where there had been one individual with briefcase and proffered credentials, suddenly there were six, behind them six more, with still another phalanx at the rear. Swiftly, like an inundation, they streamed into the bank.

A man, older than most of the others and emanating authority, announced curtly, "Headquarters Audit Staff."

"Yessir," the security guard said; he was a veteran at the bank who had been through this before, and he continued checking the other credentials holders in. There were twenty, mostly men, four women. All went irnmediately to various locations in the bank.

The older man who had made the announcemen
t headed for the platform and E
dwina's desk. As she rose to greet him, she regarded the continuing influx into the bank with unconcealed surprise. "Mr. Burnside, is this a full-dress audit?"

"It certainly is, Mrs. D'Orsey." The audit department head removed his overcoat and hung it near the platform.

Elsewhere in the bank other staff members wore disconcerted expressions, while some groaned and v
oiced aggrieved comments. "Oh, geez!
A Friday, of all tim
es to pick
"
. "
Dammit, I had a dinner date”
. "Who says auditors are human?"

Most were aware of what the visit by a headquarters audit group entailed. Tellers knew there would be an extra counting of their cash before they left tonight, and vault reserve cash would be checked out too. Accountants would be required to stay until their records were listed  and balanced. Senio
r management staff would be luck
y to be away by midnight.

The newcomers had already, quickly and politely, taken over all ledgers. From this moment any additions or changes would be under scrutiny.

Edwina said, "When I asked for an examination of staff accounts I didn't expect this." Normally a branch bank audit took place every eighteen months to two years and tonight's was doubly unexpected since a full audit of the main downtown branch had occurred only eight months earlier.

"We decide the how, where, and when of audit, Mrs. D'Orsey." As always, Hal Burnside maintained a cool aloofness, the hallmark of a bank-examiner. Within any major bank an audit department was an independent, watchdog unit with authority and prerogatives like the Inspectorate General of an army. Its members were never intimidated by rank, and even senior managers were candidates for reproof about irregularities which a thoroughgoing inspection of a branch revealed and there were invariably some.

"I know about that," Edwina acknowledged. "I'm just surprised you could arrange all this so quickly."

The audit chief smiled
a trifle smugly. "We have our methods and resources."

What he did not reveal was that a surprise audit of another FMA branch had been planned for this evening
.
Following Edwina's phone call three hours ago, the earlier plan was canceled, arrangements hastily r
evised, and addi
tional staff called in for the present expedition.

Such cloak-and-dagge
r tactics were not unusual. An essential part of the audit function was to de
scend, irregularly and without w
ar
n
ing, on any, of the bank's branches. Elaborate precautions were taken to preserve secrecy and any audit staff member who violated it was in serious trouble. Few did, even inadvertently.

For today's maneuver, the score of auditors involved had assembled an hour ago in a salon of a downtown hotel, though even that destination had not been revealed
until the latest possible moment. There they were briefed, duties allocated, then inconspicuously, in twos and threes, they had walked toward the main downtown branch of FMA. Until the last few crucial minutes they loitered in lobbies of nearby buildings, strolled casually, or browsed store windows. Then, traditionally, the most junior member of the group had rapped on the bank door to demand admission. As soon as it was gained, the others, like an assembling regiment, fell in behind him.

Now, within the bank, audit team members were at every key position.

A convicted bank embezzler of the 1970s, who successfully concealed his massive defalcations for some twenty years, observed while eventually en route to prison, "The auditors used to come in and do nothing but shoot the breeze for forty minutes. Give me half of that time and I can cover up anything."

The audit department of First Mercantile American, and other large North American banks, took no such chance. Not even five minutes passed after the surprise of the auditors' arrival until they were all in pre
-
assign
ed positions, observing everythi
ng.

Resigned, regular staff members of the branch went on to complete their day's work, then to assist the auditors as needed.

Once started, the process would continue through the following week and part of the next. But the most critical portion of the examination would take place within the next few hours.

"Let's you and me get to work, Mrs. D'Orsey," Burnside said. "We'll start with the deposit accounts, both time and demand." He opened his briefcase on Edwina's desk.

By 8 P.M. the initial surprise attending the audit team's arrival had worn off, a notable amount of work had been accomplished, and ranks of the regular branch staff were thinning. All tellers had left; so had some of the accountants. Cash had been counted, inspection of other records was well advanced. The visitors had been courteous and,
in some cases, helpful in pointing out mild errors, all of which was part of their job.

Among the senior management staff still remaining were Edwina, Tottenhoe, and Miles Eastin. The two men had been kept busy locating information and responding to queries. Now, however, Tottenhoe appeared tired. But young Eastin, who had responded helpfully and cheerfully to every demand so far, was as fresh and energetic as when the evening had begun. It was Miles Eastin who arranged for sandwiches and coffee to be sent in for auditors and staff.

Of the several audit task forces, a small group was concentrating on savings and checking accounts and, from time to time, one among their number would bring a written note to the Chief of Audit Service at Edwina's desk. In every case he glanced over the information, nodded, and added the note to other papers in his briefcase.

At ten minutes to nine he received what appeared to be a lengthier note with several other papers clipped to it. This Burnside studied carefully, then announced, "I think Mrs. D'Orsey and I will take a break. Well go out for our coffee and supper."

A few minutes later he escorted Edwina through the same street door by which the auditors had entered nearly three hours earlier.

Outside the building the audit chief apologized. "I'm sorry, but that was a small theatrical performance. I'm afraid our supper, if any, will have to wait." As Edwina looked puzzled he added, "You and I are on our way to a meeting, but I didn't want it known."

With Burnside leading, they turned right, walking half a block from the still brightly lighted bank, then used a pedestrian mall to double back to Rosselli Plaza and the FMA Headquarters Tower. The night was cold and Edwina pulled her coat tightly around her, reflecting that the tunnel route would have
been both shorter and warmer. W
hy all the mystery?

Inside the bank headquarters building, Hal Burnside signed a night visitors book, after which a guard accom
pani
ed them in an elevator to the eleventh floor. A
sign and arrow indicated SECURIT
Y DEPARTMENT. Nolan Wainwright and the two FBI men who had dealt with the cash loss were waiting for them there.

Almost at once they were joined by another member of the audit team who clearly had followed Edwina and Burnside from the bank.

Introductions were accomplished quickly. The latest arrival was a youngish man named Gayne, with cool alert eyes behind heavy-rimmed glasses which made him look severe. It was Gayne who had delivered the several notes and documents to Burnside while the latter worked at Edwina's desk.