Mrs Wan Yonghong firstname.lastname@example.org)
Sent: Tue 12/30/08 8:21 AM
Good day Wan Yonghong
Standard Chartered Bank Hong Kong Branch
Thank you for giving me your time. Please be patient and read my email to you. I am a staff of Standard Chartered Bank attached in Private Banking
services. I am contacting you concerning a customer and, an
investment placed under our banks management 4 years ago, I contacted
you independently of our investigation and no one is informed of this
communication and I would like to intimate you with certain facts that
I believe would be of interest to you.
In 2004, the subject matter; ref:SSCB/SCB/bank/77 came to our bank to
engage in business discussion with our Private Banking Service
Department. He informed us that he had a financial portfolio of 8.35
million United States Dollars, which he wished to have us turn over
on his behalf. I was the officer assigned to his case; I made numerous
suggestions in line with my duties as the de-facto chief operations
officer of the Private Banking Service Department, especially given
the volume of funds he wished to put into our bank. We met on numerous
occasions prior to any investments being placed. I encouraged him to
consider various growth funds with prime ratings. The favored route in
my advice to customers is to start by assessing data on 600
traditional stocks and bond managers and alternative investments.
Based on my advice, we spun the money around various opportunities
and made attractive margins for our first month of operation, the
accrued profit and interest stood at this point at over 10 million
United States Dollars, this margin was not the full potential of the
fund but he desired low risk guaranteed returns on investments. In
late 2005, he asked that the money be liquidated because he needed to
make an urgent investment requiring cash payments in Europe. He
directed that I liquidate the funds and had it deposited with a firm
in Europe. I informed him that our bank would have to make special
arrangements to have this done and in order not to circumvent due
process, the bank would have to make a 9.5 % deduction from the funds
to cater for banking and statutory charges. He complained about the
charges but later came around when I explained to him the complexities
of the task he was asking of us. Cash movement across borders has
become especially strict since the incidents of 9/11.
I contacted my affiliate in Europe and had the funds available in main
land Europe. I undertook all the processes and made sure I followed
his precise instructions to the letter and had the funds deposited in
a security consultancy firm, the firm is a specialist private firm
that accepts deposits from high net worth individuals and blue chip
corporations that handle valuable products or undertake transactions
that need immediate access to cash. This small and highly private
organization is familiar especially to the highly placed and
well-connected organizations. In line with instructions, the money was
deposited. He told me he wanted the money there in anticipation of his
arrival from Norway later that week. This was the last communication
we had, this transpired around 25th February 2006. In June last year,
we got a call from the security firm informing us of the inactivity of
that particular portfolio. This was an astounding position as far as I
was concerned, given the fact that I managed the private banking
sector I was the only one who knew about the deposit, and I could not
understand why he had not come forward to claim his deposit. I made
futile efforts to locate him I immediately passed the task of
locating him to the internal investigations department of our bank.
Four days later, information started to trickle in, that he was
A person who suited his description was declared dead of a heart
attack in Cannes, South of France. We were soon enough able to
identify the body and cause of death was confirmed.
The bank immediately launched an investigation into possible surviving
next of kin to alert about the situation and also to come forward to
claim his estate. If you are familiar with private banking affairs,
those who patronize our services usually prefer anonymity, but also
some levels of detachment from conventional processes. In his bio-data
form, he listed no next of kin. In the field of private banking,
opening an account with us means no one will know of its existence,
accounts are rarely held under a name; depositors use numbers and
codes to make the accounts anonymous. This bank also gives the choice
to depositors of having their mail sent to them or held at the bank
itself, ensuring that there are no traces of the account and as I
said, rarely do they nominate next of kin. Private banking clients
apart from not nominating next of kin also usually in most cases leave
wills in our care, in this case; he died in testate.
What I wish to relate to you will smack of unethical practice but I
want you to understand something. It is only an outsider to the
banking world who finds the internal politics of the banking world
aberrational. The world of private banking especially is fraught with
huge rewards for those who occupy certain offices and oversee certain
portfolios. You should have begun by now to put together the general
direction of what I propose. There is US$ 8,370,000.00 deposited, I
alone have the deposit details and they will release the deposit to
no one unless I instruct them to do so. I alone know of the existence
of this deposit for as far as the finance firm, the transaction with
our deceased customer concluded when I sent the funds to the firm, all
outstanding interactions in relation to the file are just customer
services and due process. The finance firm has no single idea of
what's the history or nature of the deposit. They are simply awaiting
instructions to release the deposit to any party that comes forward.
This is the situation. This bank has spent great amounts of money
trying to track this man's family; they have investigated for months
and have found no family. The investigation has come to an end.
I am prepared to place you in a position to instruct the finance firm
to release the deposit to you as the closest surviving relation. Upon
receipt of the deposit, I am prepared to share the money with you in
half and no more. That is: I will simply nominate you as the next of
kin and have them release the deposit to you. We share the proceeds
50/50. I would have gone ahead to ask the funds be released to me, but
that would have drawn a straight line to me and my involvement in
claiming the deposit. But on the other hand, you as a foreigner and
also with all the necessary legal and official documentations from me
and the presiding attorney and also with the authority vested upon me
by the original depositor, you would easily pass as the beneficiary
with the rights to claim. I assure you that I could have the deposit
released to you in a few days. I will simply inform our bank of the
final closing of the file relating to the customer. I will then
officially communicate with the finance company and instruct them to
release the deposit to you.
With these two things: all is done. The alternative would be for us to
have the firm direct the funds to another bank with you as account
holder. This way there will be no need for you to think of receiving
the money from the firm. We can fine-tune this based on our
interactions. I am aware of the consequences of this proposal. I ask
that if you find no interest in this project that you should discard
this mail. I ask that you do not be vindictive or destructive. If my
offer is of no appeal to you, delete this message and forget I ever
contacted you. Do not destroy my career because you do not approve of
my proposal. You may not know this but people like myself who have
made tidy sums out of comparable situations run the whole private
banking sector. I am not a criminal and what I do; I do not find
against good conscience, this may be hard for you to understand, but
the dynamics of my industry dictates that I make this move. Such
opportunities only come once in a lifetime. I cannot let this chance
pass me by I hope you understand because for once I found myself in
total control and face to face with my destiny. These chances won't
pass me by. I ask that you do not destroy my chance, if you will not
work with me let me know and let me move on with my life but do not
destroy me. I am a married woman with 2 kids and this is an
opportunity to provide them with new opportunities. There is a reward
for this project and it is a task well worth undertaking. I have
evaluated the risks and the only risk I have here is from you refusing
to work with me and alerting my bank. I am the only one who knows of
this situation, good fortune has blessed you with a name that has
planted you into the center of relevance in my life. Let's share the
If you find yourself able to work with me, contact me through this
email account: email@example.com If you give me positive
signals,I will initiate this process towards a conclusion.
Please observe this instruction religiously. Please note again, I am a
happily married with two kids. I send you this mail not without a
measure of fear as to what the consequences might be, but I know
within me that nothing ventured is nothing gained and that success
and riches never come easy or on a platter of gold. This is the one
truth I have learned from my private banking clients. Do not betray
my confidence. If we can be of one accord, we should plan a meeting,
I await your response.
Yonghong Wan (firstname.lastname@example.org
Sent: Thu 1/08/09 8:47 PM
Like I said before, due to this issue on my hands now it became necessary for me to seek your assistance, I appreciate the fact that you are ready to assist me in executing this project. You should not have anything to worry about, I will do everything legally required to ensure that the project goes smoothly, it shall pass through all Laws of International Banking, and you have my word. Having resolved to entrust this transaction into your hands, I want to remind you that it needs your commitment and diligent follow up. If you work seriously, the entire transaction should be over in a couple of days.
READ THE FOLLOWING AND GET BACK TO ME:
Firstly, I will want to know precisely the type of occupation that you do, you should note that this project is highly capital intensive, this is why I have to be very careful, I need your total devotion and trust to see this through, I know we have not met before but I am very confident that we will be able to establish the necessary trust that we need to execute this project.
I am now in contact with a foreign online bank, I now intend that you open an account in your name in this foreign bank. The money would be transferred to your account which you will open in the bank for both of us, this is the best way I have found, it will protect us from my bank, I want us to enjoy this money in peace when we conclude, so you should listen to my instructions and follow them religiously. Also you have to know that I cannot transfer this money in my name as my bank will be aware that it is from me, this is where I need you.
As result of this you will have to open an account in the corresponding bank, I will obtain a certificate of deposit from this my bank, it will be issued in your name, and this will make you the bonafide owner of the funds. After this the money will be banked online for both of us and we can then instruct the bank to transfer our various shares into our respective home bank accounts, I will also perfect the documentations with the assistance of my attorney to give the transaction the legal right.
Before I commence, I will need you to send me a copy of any form your identification (Driver's license or International passport) and your current address, I want to be sure that I am transacting with the correct person, as soon as I get these from you I will commence the paper work. I hope you will understand why I need all these, the money in question is big and I want to ensure that I know you well before I proceed to give you all the details to commence the project, I will also send you my international passport upon receipt of your identification.
You request i provide you with my telephone number for verbal communication which i really appreciate but the fact is that due to my participation as an insider in the bank regarding me being amongst the members over-seeing this situation at my bank we are also at the check , I do not want any direct link between you and me. My official lines are not secure lines as they are periodically monitored to assess our level of customer care in line with our Total Quality Management Policy. When this first phase of the transaction has been completed then much attentions would be diverted from board members to making sure the funds reaches its destination safely then we can start communicating via telephone for i shall obtain a new local telephone line where i can be reached at all times hope you understand i request that you observe this instruction religiously. I will send the name and contact details of the bank and their website to you so that you can commence communication with them. Ensure that you keep this project confidential, do not discuss it with anybody, because of the confidential nature of this transaction and my work.
Please reply soonest.
Regards, Wan Yonghong
Details from Wan Yonghong (email@example.com)
Sent: Sat 1/10/09 9:59 AM
I am very optimistic about this and the success if you follow all my instructions very carefully, because as an insider and a banker I know all the principles of international banking regulations.
I have sent your details to my attorney who will put together the perfected paper work to be sent to the bank for the release and transfer of the funds, this should take not more than a day or two.
In this light, I am now sending you the details of a foreign bank in the Spain (BANCO GALLEGO) so you can contact them and make enquiries on offshore & onlineaccount opening. I advise you like I said earlier that you should open a new online account with a bank in Spain, so that once the funds are released, theywill be transferred straight into your new account and the transfer will not attract the international monetary bodies, as the transfer be will regarded asan in house (same telex type with my bank.)
If you also remember I told you in my previous email that when the funds here have been transferred into the newonline account, which you shall open and after you have confirmed that the funds are credited in your account, you shall then begin disbursement of the fundsinto other accounts.
I have all ready made some inquires on who to contact to open an account as an international customer, please contact the bank with the information below tospeed up you account opening. Let them know you want an account that you can operate online and you do not have time to travel to come over to open the newaccount so we want everything done via email and fax and telephone.
Bank name: Banco Gallego
Diego de León,5
Customer Service Department
I shall await an update from you shortly about the opening of your new online account, please make contact with BANCO GALLEGO and apply for the accountbecause I would like the account opening to be fast; you can also contact the bank via email address above or phone & fax.
I know that the benefits of this transaction is a lifetime fortune for both of us and our families so I expect you to handle this transaction as a majorpriority, from now I will call you brother so that we both understand that our trust in each other is that of blood brotherandsister,
please all waysremember to keep this transaction in a very low profile.
May God bless you for your positive resolve to affect our lives.
Your Sister, Wan Yonghong
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