- Role: AML Transaction Monitoring
- Evidence: Investigated Epstein/Indyke cash structuring (Jun 2017): "3 consecutive days of cash withdrawals totaling over $22K and no CTR" (EFTA01346001). Identified no CTR filed despite $22K+ in consecutive-day withdrawals. CC'd on AML compliance inquiry to Morris about $400K FT Real Estate wire (EFTA01479252). Reports to Wayne Salit.
- Docs: EFTA01346001, EFTA01346005, EFTA01479252
- Role: AML Compliance
- Evidence: Rejected Jeepers Inc KYC (Mar 2014) — signers didn't match corporate resolution (EFTA01357873). Escalated Epstein PEP status (Oct 2018) — identified Epstein was never formally escalated as PEP despite media reports of Prince Andrew/Bill Clinton relationships (EFTA01299337). Could be candidate for AML Officer-2.
- Docs: EFTA01357873, EFTA01299337
- Role: AML Transaction Monitoring, DB Services NJ
- Evidence: Cash structuring investigation — notified Oldfield/Liconte/Quigley/Salit about "history of cash structuring activity" in Indyke PLLC and Epstein accounts (EFTA01346010). Drafted SAIF for Indyke (EFTA01345990, May 3, 2017) — second filing, escalated to Salit/Quigley/Liconte. Discovered unauthorized debit card increase (EFTA01346044-046, Mar 2018): "Mr. Epstein's debit card has already been upgraded to $12,000 without our approval. Why are we being notified only now?"
- Docs: EFTA01346010, EFTA01345990, EFTA01345664, EFTA01346044-046
- Title: Managing Director, Americas Head of Financial Crimes, Deutsche Bank (~2005–2014)
- Career: US Attorneys' Offices (SDNY/EDNY) → Merrill Lynch → Deutsche Bank → KPMG (Principal, Forensic Advisory Services)
- Evidence: Consulted by Packard on Epstein "rep risk" May 2013. Did not suggest rep risk escalation was required (EFTA01344266). Graph NER shows "john caruso" co-appearing with Epstein and Oldfield in EFTA documents.
- Confidence: HIGH [GRADE B — Graph NER; GRADE C — public records]
- Docs: EFTA01344266
- Title: Deutsche Bank General Counsel, Americas
- Career: Cadwalader Wickersham & Taft → Lehman Brothers (General Counsel) → Deutsche Bank (General Counsel, Americas) → QuisLex (SVP, Strategy & Client Services)
- Evidence: Consulted by Packard on Epstein "rep risk" May 2013. Did not suggest rep risk escalation was required (EFTA01344266). "Spoke with both Caruso and Polizzotto. Neither suggest this requires rep risk and we can move ahead."
- Sources: PRWeb, Legal IT Insider, NYT (Feb 2015), SIFMA. [GRADE C — public records]
- Significance: Former GC of Lehman Brothers during its collapse. As DB GC Americas, he was the legal authority who cleared the Epstein relationship from a reputational risk perspective. The entire approval chain is now named: Packard (business) + Caruso (financial crimes) + Polizzotto (legal).
- Post-DB: SVP, Strategy & Client Services at QuisLex (legal process outsourcing)
- Docs: EFTA01344266
- Title: Partner, Akin Gump Strauss Hauer & Feld LLP — DB's outside counsel for SDNY/USVI matters
- Evidence: Communicated with Thomas Moyer (Akin Gump colleague) re: discovery of previously unknown Epstein JPM accounts (EFTA00029805, Nov 2019). Located chart identifying Epstein accounts at JPM including unknown Butterfly Trust brokerage. Akin Gump proposed attorney proffer to SDNY (Aug 20, 2019) and scheduled proffer session (Sep 12, 2019). Represented DB in USVI AG subpoena response (Aug 2020).
- Docs: EFTA00029805
- Role: Akin Gump Strauss Hauer & Feld LLP — DB's outside counsel
- Evidence: CC'd on Moyne's communication with Thomas Moyer about JPM account discoveries (EFTA00029805). Part of Akin Gump team representing DB in SDNY/USVI proceedings.
- Docs: EFTA00029805
- Role: Akin Gump Strauss Hauer & Feld LLP — DB's outside counsel. (Note: Earlier versions incorrectly identified Moyer as "likely DOJ." He is part of the Akin Gump team representing Deutsche Bank, not a DOJ employee.)
- Evidence: Recipient of DB Legal communications about Epstein JPM account discoveries (EFTA00029805). Part of Akin Gump team representing DB in SDNY/USVI proceedings.
- Docs: EFTA00029805
- Role: JPMorgan — managed Butterfly Trust brokerage
- Evidence: "Previously unknown" to DB investigators. Discovered in Nov 2019 via Beller→Kirby chart from Sep 2013 (EFTA00029805).
- Docs: EFTA00029805
- Role: JPMorgan — Epstein account manager
- Evidence: "Previously unknown" to DB investigators. Discovered alongside Ted Serure in Nov 2019 (EFTA00029805).
- Docs: EFTA00029805
- Role: BIS Research Analyst
- Evidence: Indyke due diligence (2017).
- Role: BIS Research Analyst
- Evidence: Indyke due diligence (2018).
- Role: BIS Research Analyst
- Evidence: Indyke due diligence (2018).
- Role: VP, KYC HR Client Remediation
- Evidence: 2017 overdue KYC report.
- Title: Managing Director, Divisional Control Officer, WM Americas
- Evidence: "Risk accepted" — forwarded Gallivan's "comfort with continuing the Epstein relationship" to AML Nov 2018: "I do not see any new allegations that have not been previously considered and risk accepted" (EFTA01299339). Senior risk/control function who explicitly chose to continue Epstein 7 months before arrest. 🔥🔥 Oct 18-22, 2018: Hart was in the KYC approval chain — AML (Yoonsun Chung) needed Hart's sign-off to proceed on Epstein KYC remediation (EFTA01384347, EFTA01386746). Richard Iarossi (AVP, Oldfield's team) served as the compliance-business liaison routing KYC questions to Hart for approval. Hart's sign-off was required before AML could complete the remediation — the control function was gatekeeping compliance, not the other way around.
- Docs: EFTA01299339, EFTA01384347, EFTA01386746
- Role: AML Compliance
- Evidence: Received Kimberly Hart's negative media escalation on Epstein Nov 2018 (EFTA01299339).
- Docs: EFTA01299339
- Title: VP Banking Specialist
- Evidence: Processed debit card increase request for Epstein. Requested retroactive approval from Anthony Western and Andrew Gallivan (EFTA01346033-039, Mar 2018). Wang confronted Berrios about unauthorized increase: "Mr. Epstein's debit card has already been upgraded to $12,000 without our approval" (EFTA01346044-046).
- Docs: EFTA01346033, EFTA01346035, EFTA01346039, EFTA01346044-046
- Role: Branch Staff
- Evidence: Part of branch team coordinating Epstein's $100K cash withdrawal Jan 2018 (EFTA01345784-790).
- Docs: EFTA01345784-790
- Title: AVP/Assistant Branch Manager, 345 Park Avenue
- Evidence: Part of branch team coordinating Epstein's $100K cash withdrawal Jan 2018 (EFTA01345784-790). Actively monitoring Indyke cash patterns — reported to Wang/Quigley: "Darren Indyke transaction. Darren has not come in, to cash the $4000.00. I will advise, once he does" (EFTA01345959, Jul 2016).
- Docs: EFTA01345784-790, EFTA01345959
- Title: Director, Product Team
- Evidence: Approved product side of Epstein debit card limit increase $1K → $12K Dec 2017: "I approve for the Product Team" (EFTA01346059).
- Docs: EFTA01346059
- Role: Debit card approval chain
- Evidence: Part of debit card limit increase approval chain for Epstein Dec 2017 (EFTA01346059-063).
- Docs: EFTA01346059-063
- Role: Product line, debit card approval chain
- Evidence: Part of debit card limit increase approval chain for Epstein Dec 2017 (EFTA01346059-063). Retroactively approved increase Mar 2018: "Approved. Please note you need business line approval as well and you need to notify AML of the increase" (EFTA01346033).
- Docs: EFTA01346059-063, EFTA01346033
- Role: Debit card processing
- Evidence: Part of debit card limit increase processing for Epstein Dec 2017 (EFTA01346059-063).
- Docs: EFTA01346059-063
- Role: Debit card processing
- Evidence: Part of debit card limit increase processing for Epstein Dec 2017 (EFTA01346059-063).
- Docs: EFTA01346059-063
- Role: AML Compliance
- Evidence: Plan D LLC AML inquiry Apr 2017 — requested expanded wire purpose information from Cynthia Rodriguez/Bradley Gillin, cc'd Oldfield/Quigley (EFTA01360986).
- Docs: EFTA01360986
- Role: PB Front Office
- Evidence: Initiated Mort Inc. risk rating: "New US BVI entity for Jeffrey Epstein." Final Risk Rating: HIGH (EFTA01480801).
- Docs: EFTA01480801
- Role: Markets Coverage Group
- Evidence: CC'd on BSO Exception Request for Epstein POA form, Oct 2013 (EFTA01355796). Previously unknown Markets Coverage personnel.
- Docs: EFTA01355796
- Role: BSO Exception Request recipient
- Evidence: Received BSO Exception Request for Epstein POA form from Stepanian, Oct 2013 (EFTA01355796).
- Docs: EFTA01355796
- Role: Coverage team member
- Evidence: CC'd on BSO Exception Request for Epstein POA form, Oct 2013 (EFTA01355796).
- Docs: EFTA01355796
¶ Andrew Stemmer
- Role: DB Legal, recipient of SDNY grand jury subpoena
- Location: 60 Wall Street
- Evidence: Addressed in SDNY grand jury subpoena Jul 11, 2019 (5 days after Epstein's arrest): "Please be advised that the accompanying grand jury subpoena has been issued in connection with an official criminal investigation of a suspected felony." Expedited, confidential request. (EFTA00022527)
- Docs: EFTA00022527
- Location: FirstBank Puerto Rico
- Evidence: Received $400,000 wire from Epstein account Aug 14, 2015 (EFTA01479252). AML questioned Morris about purpose, relationship, and domicile.
- Account #: 42953707
- Evidence: Indyke's personal account at Deutsche Bank. Used alongside Epstein's account (35269691) for consecutive-day cash withdrawals totaling $22K+ — structuring investigation (EFTA01346010, EFTA01346029).