at the words First Royal Cayman Bank scribbled beneath the caller’s name.
“Miss Randolph,” the man began in a thick, distinguished accent. “I was most concerned when I received your latest deposit transfer without the usual instructions.”
Deposit transfer? Jolie wrinkled her forehead in a frown. At a Cayman bank? That was impossible. “I’m sorry, Mr. Millard, are you referring to an account belonging to a client of this bank?” She considered crossly that it might be something new Mark was involved in. It would be just like him to leave her in the dark.
“No, no, mademoiselle, I’m referring to your personal account.”
Jolie almost laughed out loud. “My personal account? I’m sorry, there must be some mistake.”
“Mistake? There is no mistake. You make a transfer twice per month, and always with precise instructions as to your wishes.” He cleared his throat impatiently. “Now, may I have your instructions?”
Ice formed in Jolie’s stomach. This was wrong. It had to be a mistake. She didn’t have a foreign account. She never made personal transfers of an international nature—with or without instructions. Her heart slammed mercilessly against her rib cage.
“Miss Randolph?”
Jolie shook her head in denial of the question she was about to ask. But she had to know. “Would you give me a balance on the account, please, Mr. Millard?”
Jolie slumped back in her leather chair when he recited a number just shy of one and a half million dollars. The room shifted around her, and for one long moment Jolie thought she would faint. This was insane. It had to be some ridiculous mistake.
“You’ve made six deposit transfers since setting up the account in person just three months ago,” he added, obviously miffed that she had no recall of the transactions.
She couldn’t deal with this now. It couldn’t be happening. She had never been to the Cayman Islands, much less set up an account at their most prestigious bank. She had to end this call. She had to think. Jolie drew in a harsh, steadying breath and interrupted the man’s continued protests that he had her signature on file, and other personal data. “Mr. Millard,” she said stiffly, “I apologize for the misunderstanding. Please handle my latest transfer as you did the previous one.” She had no idea what that meant, but it seemed to appease the man. “Refresh my memory, if you would, regarding my other deposits.”
Ten minutes later, Jolie dropped the receiver back into its cradle. She felt numb. This was crazy. She couldn’t have taken a trip, set up a foreign bank account and transferred more than a million dollars into it without remembering….
Could she?
A memory surfaced with gut-wrenching swiftness. Of her mother swearing to her father that she hadn’t bought the clothes and jewelry he’d found hidden in her closet. She’d sworn she hadn’t made the unexplainable charges to credit cards amounting to thousands of dollars. Someone else had done it. Why wouldn’t anyone believe her?
Jolie wet her lips and shook her head. No. That wasn’t happening to her. She wasn’t like her mother. She closed her eyes to hold back the tears. She had loved her mother so, but she wasn’t like her. Jolie wasn’t ill. She was fine. Just fine.
She swiped the moisture from her eyes and took a deep, bolstering breath. She surveyed her office, taking solace in the numerous plaques and other accolades that adorned the two side walls. She was not her mother. This was some sort of mistake and Jolie would straighten it out. Then she would put this entire deplorable day behind her.
Lunch would just have to wait.
ONE POINT FOUR MILLION dollars. The amount deposited in the Cayman bank was exactly the amount missing from the client accounts Jolie personally maintained. Each discrepancy, date of withdrawal and amount matched a deposit transfer to the First Royal Cayman Bank.
Long after the bank had closed Jolie sat staring at the figures. She pressed her fingertips to her throbbing temples and closed her eyes. There was no explanation for it. The money was simply gone.
Oh God.
Another wave of near hysteria washed over her. The audit. She had to undo this damage before anyone noticed. She winced. Renae had already found one discrepancy. What if she discovered the rest before Jolie could fix everything? She would never be able to smile at her assistant and assure her that it was a simple input error.
Okay, she told herself, squashing the panic exploding inside her. She could take care of this. It was late now. She needed a clear head and a fresh start to undo this sort of damage. First thing tomorrow morning, Jolie would redeposit all the money back into her clients’ accounts. She would close the Cayman account and pretend it had never happened.
But it did happen, a little voice mocked.
She pushed herself out of her chair and grabbed her purse. She had to get out of here. Maybe she could reach Erica at her hotel in St. Louis. Jolie needed a plan. Instead of feeling sorry for herself, she would work the problem out. This time next month, when the audit was over, this whole nightmare would be just a bad memory.
She hesitated at the door as a vague image flashed in her mind’s eye—the fleeting impression of a man. She stood very still for a time and attempted to recapture the fragment of memory, but couldn’t. God, she was tired.
She turned off her light and locked the door behind her. Everyone else had gone home already. A quiet dinner was just what she needed. But she didn’t really want to go home right now. Her place would be too empty, allowing too many questions to haunt her.
The night watchman let Jolie out the side entrance, the one closest to her car. In her haste this morning, she hadn’t bothered parking it in the garage. She’d never been to Lebron’s for anything other than lunch, but it was handy and familiar, so she decided to head there now. She glanced up at the September night sky and its winking stars, and forced herself to relax. Tomorrow would be better.
It couldn’t possibly get any worse.
Chapter Two
Jolie strolled the two blocks to Lebron’s Restaurant. Neon lights flickered and flashed, competing with the streetlamps and passing car lights. She felt better already just being away from her office. Later, when she got home, she would call her dad, just to hear his voice. Everything was going to be okay.
She was okay.
There had to be an explanation for all that had happened.
Lebron’s night manager showed Jolie to a table in the back, where it was quiet. She thanked him and ordered a glass of white wine from the waiter standing by. In an effort to quell the compulsion to fidget, she folded her hands in her lap and waited patiently for her drink.
She was fine, she assured that little voice that lingered in the back of her mind. The whole thing could be straightened out. Mistakes happened. This had to be a mistake. There simply was no other explanation.
Jolie shifted to a more comfortable position, then stretched her neck from side to side. Despite her efforts to relax a prickly sensation rushed over her skin. She knew the signs. Panic was bearing down on her. She inhaled a long, deep breath and then exhaled slowly. She was okay, she told herself again. She’d had panic attacks before…occasionally. All she had to do was focus on relaxing and she could stop it before it went any further.
In the beginning, her mother had taken medication for anxiety and panic attacks. Eventually even that hadn’t helped. Jolie shook her head. This wasn’t the same. She didn’t need medication. She wasn’t like her mother.
The memory of waking up in a strange man’s bed broadsided her, and she jerked helplessly. The strange call at the office Renae had mentioned, the numerous accounts with discrepancies… The trip she didn’t remember taking—hadn’t taken! The personal account at a Cayman Bank she couldn’t possibly have opened—all of it whirled inside her head. Jolie closed her eyes and resisted the urge to scream