The NYDFS consent order describes EXECUTIVE-1 as "the then-co-head of its Wealth Management Americas business." Chip Packard's email signature in multiple EFTA documents reads:
"Chip Packard | Managing Director | Co-Head, Wealth Management Americas"
Deutsche Bank Trust Company Americas / Deutsche Asset & Wealth Management
Source docs: EFTA01458805, EFTA01458827, EFTA01345016, EFTA01460331
Note: Haig Ariyan held the same title ("Co-Head, Wealth Management Americas") during the same period (confirmed in EFTA01460331, EFTA01344411). The following evidence distinguishes Packard from Ariyan.
Internal AML compliance communications attach a file literally named "Chip Packard Approval - Jeffrey Epstein.pdf" — this is the Approval Email that the consent order states was cited as the basis for the entire Epstein relationship.
EFTA01299262 (Feb 6, 2018): AML clearance email from Carl Timcke attaches: "Chip Packard Approval - Jeffrey Epstein.pdf"
EFTA01299297 (Aug 20, 2018): Another AML clearance chain attaches the same file.
The consent order states this Approval Email was:
Deutsche Bank's own compliance department identified this document by Packard's name.
The Approval Email text per the consent order: "we can move ahead so long as nothing further is identified through KYC and AML client adoptions."
DugganUSA search: Packard + "move ahead" = 6 hits. Ariyan + "move ahead" = 0 hits.
EFTA01345016 (Jan 11, 2014): Packard forwards "Got good feedback from call today w/ Jeffrey Epstein" and writes: "What other accounts should we involve Vinit? I think we should consider Eddie Stern, Belfer and Kovner's new family office, among others."
EFTA01460611 (Jan 22, 2014): Morris reports to Packard: "Leon should be opening up trading accounts very soon per epstein call today." Packard responds: "Very exciting day Paul. It is all coming together."
EFTA01479242 (Jan 20, 2016): Todd Stevens to Packard: "Are you supportive of this account opening?" regarding Gratitude America/Epstein.
EFTA01479304 (Jan 13, 2016): Sabba CC's Packard on "Jeffrey Epstein/Southern Financial LLC - Rep Risk Approval."
EFTA01479315 (Jan 19, 2016): Wayne Salit tells Sabba to check with ARRC; Packard CC'd throughout.
Pattern: Every significant Epstein-related approval decision routes through Packard.
EFTA01460906/884 (January 2015): Diego Galan's "Quintessentially Platinum" analysis lists 61 KCP clients and 9 prospects across DB WM Americas. Morris covers 2 clients (Epstein entities), Rosemary Vrablic covers 4. Packard and Ariyan both oversee the program as co-heads. Epstein was managed as a Key Client Partner — a designation reserved for DB's most valuable wealth management relationships.
DugganUSA hit counts:
Packard appears in 3.6x more Epstein-related documents than his co-head.
WHAT THIS SHOWS AND DOES NOT SHOW: The evidence establishes that Packard was the co-head who engaged directly with the Epstein relationship — approving onboarding, attending business update calls, and being in the approval chain for new accounts. Ariyan, while holding the same title, does not appear in Epstein-specific approval documents. The named PDF "Chip Packard Approval" is the strongest single piece of evidence. This does not establish that Packard knew about Epstein's criminal conduct or acted with improper intent — the consent order frames EXECUTIVE-1's actions as compliance failures, not willful participation.