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Chapter 6: The Man Behind the Transfers

Warren Holt looked smaller than I remembered.

He had always carried himself with the particular confidence of a man who had survived long enough in corporate life to believe he was untouchable.

In the conference room on the fourteenth floor, with Eleanor beside me and two members of the forensic team across the table, he looked like a man who had been awake for thirty-six hours and had finally run out of options.

His own attorney sat next to him, a careful woman named Sandra Park who had said very little since they arrived.

"You said you could give us Frey," I said.

Warren looked at his hands.

"Marcus Frey approached me.

Not the other way around.

I want that on record."

"We'll determine what goes on record," Eleanor said.

"Tell us about the approach."

"Three years ago.

He came in as a logistics consultant on the Vancouver contract.

He was legitimate — at first.

He had real relationships, real volume.

But six months in, he started suggesting alternative routing arrangements.

Off-book efficiencies, he called them."

"Meaning fraud," I said.

Warren's attorney touched his arm.

He ignored her.

"He had documentation on me from a previous position.

At a company I left in 2019." He paused.

"There were irregularities.

Nothing at the scale of this, but enough.

He held it and he made clear he would use it if I didn't cooperate."

"So Frey blackmailed you into building a fraudulent vendor structure inside my company."

"Yes."

"And then you recruited Daniel Mercer."

Warren looked up.

"Daniel was ambitious and he trusted me.

I told him it was a bridge arrangement.

I didn't tell him about Frey."

"When did Daniel find out about Frey?"

A pause.

"About fourteen months ago.

When the amounts started increasing and Daniel asked questions."

Eleanor made a note.

"And Vanessa Cole?" I asked.

"Vanessa figured it out on her own.

She's smart.

She saw the approval patterns and confronted Daniel privately.

Daniel brought her in rather than risk her going elsewhere with it."

"So she chose to participate."

"She chose to participate," Warren confirmed.

"And she negotiated her own percentage.

Frey liked her.

Said she had instincts."

I thought about Vanessa at the gala — the silver gown, the satisfied smile, the tilt of her head when she told me not to make a scene.

She hadn't just been waiting for that moment.

She had been building toward it for over a year, believing Daniel's humiliation of me was the last obstacle between her and a life she had already half-constructed.

"Where is Frey now?" Eleanor asked.

"He has a residential address in Connecticut, but he moves.

He knows something is happening — Daniel told me he's been trying to reach him since Saturday night."

I thought about the two unanswered calls from Frey's number that morning.

"Has he left the country?"

"Not yet.

He has a meeting in the city on Wednesday.

A real one, separate from all of this.

He won't cancel it — it's too valuable to him."

Eleanor looked at me.

I gave a small nod.

"Mr.

Holt," Eleanor said, "we're going to need the account details, all communication records, and a signed statement before you leave this room.

In exchange, our forensic team will share the timeline with the U.S.

Attorney's office with a note reflecting your cooperation.

What happens after that is between you and them."

Warren's attorney leaned forward.

"My client will need—"

"Sandra." Warren stopped her.

"I know." He looked at me directly for the first time.

"Mrs.

Mercer.

I want to say something."

I waited.

"I knew who you were before the acquisition closed.

Lang told the senior team.

I should have told Daniel.

I didn't because—" He stopped.

Started again.

"Because I thought if he knew, he'd tell you about the accounts.

And I wasn't ready for that."

"So you let him humiliate me at that gala."

"I let it happen.

Yes." He held my gaze.

"I'm sorry for that specifically."

The room was quiet.

"Start with the account details," I said.

He reached into the folder in front of him and began.

Two hours later, Eleanor walked me to the elevator.

"Frey won't run," she said.

"Holt's right — he's too greedy to cancel Wednesday."

"Make sure the U.S.

Attorney's office has everything they need before then."

"Already in motion." She paused.

"Daniel's cooperation agreement is drafted.

He's reviewing it now with his attorney."

"And Vanessa?"

Eleanor's expression shifted slightly.

"She retained counsel this morning.

Her attorney has already reached out.

She wants to negotiate."

"She can negotiate with the regulators."

"That's what I told them."

The elevator arrived.

I stepped in.

"Eleanor.

The staff at Vantage Meridian — the ones who had nothing to do with any of this.

Make sure the audit team is clean in how they conduct interviews.

No one gets treated like a suspect because they happened to work near the wrong people."

"Already in the protocol."

I nodded.

The doors closed.

In the mirrored panel of the elevator wall, I looked at my own reflection for a moment.

The woman looking back was calm.

Composed.

Doing what needed to be done.

But somewhere behind that composure was a woman who had sat across a dinner table from Daniel Mercer for six years and believed, genuinely believed, that they were building something together.

That woman was going to need a moment.

Just not yet.

My phone buzzed.

A text from a number I now recognized as Marcus Frey's.

*Mrs.

Mercer.

I think we should talk before this goes further.

I have information about your company that you'll want to hear directly from me.

May you like

I can be generous.*

I forwarded it to Eleanor with a single word: *Add it to the file.*

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