StopScamFraud

From: Elmira Fernandez <elmirafernandez411@gmail.com>
Date: 12 Dec 2020, 4:19
Subject:

I am Elmira Fernandez and it’s my pleasure to contact you here. Please I would love to discuss a very interesting and beneficial project
with you, for details kindly respond to this email

Hoping to hear from you soon
Regards

From: Elmira Fernandez <elmirafernandez411@gmail.com>
Date: 13 Dec 2020, 4:19
Subject:

Dear,

Thanks for your response to my request to present you this
proposal, i urge you to be attentive to enable you absorb details of the
content of this project and further consideration.Once again my name is
Shelene Brown and I am a staff of HSBC Seoul , I am contacting you
privately concerning a customer and an investment placed under our bank's
management roughly 5 years ago. I would respectfully request that you keep
the contents of this mail private and also to kindly respect the integrity
of the information you come by as a result of this proposal. I contacted
you independently and no one is informed of this communication, I would
like to intimate you with certain facts that I believe would be of interest
to you and benefits the both of us.

At the very beginning of 2015, the subject matter came to our bank to
engage in business discussions with our private banking services department
and informed us that he had a financial portfolio of 20 Million United
States Dollars which he wished to have us turn over (invest) 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 services 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 and 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, bond managers and 200 managers of alternative
investments, based on my advice we spun the money around various
opportunities and made attractive margins for our first months of
operation, the accrued profit with interest stood at this point at over
US$27, 712,068.00, this margin was not the full potential of the fund but
he desired low risk guaranteed returns on investments and in trading market
the lower the risk the lesser the profit.

Towards the end of 2016, 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 have it transfer to 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 an 8.9% 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 but nevertheless I contacted the firm in Europe
and had the funds transferred to mainland Spain, I undertook all the
processes and made sure I followed his precise instructions. He told me he
wanted the money there in anticipation of his arrival from China later that
week and that was the last communication we had.

After about a few weeks I 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
months later, information trickled in from the European commission that he
was apparently dead, a person who suited his description was declared dead
of a heart attack, we were soon able to gather more information and the
cause of death was confirmed. With this information at hand I inform the
security firm to return the transfer back to our bank in Seoul.

Then the bank immediately launched an investigation into possible surviving
next of kin to alert them 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 and 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 and in this case he died intestate.

In line with our internal processes for account holders who have passed
away, we instituted our own investigations in good faith to determine who
should have the right to claim the estate, this investigation for several
months was futile. We have scanned every continent and used our private
investigation affiliate companies to get to the root of the problem. It is
this investigation that resulted in my decision to obtain your contact
details and contact you, being as a foreigner, as a potential benefactor of
the estate even if you are in no way affiliated with this individual (the
deceased).

My official capacity dictates that I am the only party to supervise the
investigation and the only party to receive the results of the
investigation, what this means is that with you being a foreigner, I have
considered the fact that our dear late fellow died with no identifiable
family member, this leaves me as the only person with the full picture of
what the prevailing situation is in relation to the deposit and the late
beneficiary of the deposit. According to normal practice, after all
investigation has been done and there is no one to come forward and make
claim, the portfolio will be left dormant and as a result of the protracted
inactivity of the portfolio and by the end of the current financial year a
broadcast request is been made for statements of claims to our bank by the
Korean government, and failing to receive viable claims we will most
probably revert the deposit back to the Korean government. This will
result in the money entering the Korean government treasury. This will not
happen if I have my way because the funds do not belong to the Korean
Government.

What I wish to relate to you might be a 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.
At this moment there is US$27, 712,068.00 deposited, I alone have the
deposit details and my bank will release the deposit to no one unless I
instruct them to do so based on my official capacity. I alone know the
details of the existence of this deposit for as far as the finance firm is
concerned, the transaction with our deceased customer concluded when the
funds were returned back to sender (my bank), all outstanding interactions
in relation to the file are just customer services and due process. This
bank has spent great amounts of money trying to track the family of the
deceased, we have investigated for months and have found no family but
however the investigation has officially come to an end in 2017 and since
then the portfolio has remained dormant and it is now on the edge of being
turned to the Korean government.

My proposal; I am prepared to place you in a position whereby an
instruction is given to officially release the deposit to you as the
closest surviving associate, and all etiquette shall be done in accordance
with the rule of banking laws and regulations. I certainly can guarantee
you that, by the common law, the power of bequeathing is coeval with the
first rudiments of the law, and this power has been extended to all. There
is no ruling which prevents an inheritance from being so exhausted by
legacies as to render it unworthy of the heir's acceptance; basically all
persons of sound mind are competent to bequeath and devise real and
personal estate, excepting infants. With all this I would say we have the
clear advantage to carry out a smooth and perfect operation whereby the
documentation work shall be coordinated in such a way that your status as a
sole beneficiary is confirmed. 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,
afterwards we share the proceeds in two equal parts.

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 different foreigner 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 and instruct
them to release the deposit to you and it is done.

We can fine-tune this based on our interactions, I am aware of the
consequences of this proposal and I ask that if you find no interest in
this project that you should discard this mail. I ask also, 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, please do not destroy my
career because you do not approve of my proposal. You may not know this but
people like me who have made tidy sums out of comparable situations run a
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 one's way once in a lifetime.

I cannot let this chance pass me by and 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 please let me know and hence move on with my
life, but do not destroy me, I have worked and served in my capacity as a
banker for many years, this is an occasion to provide myself 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 will bless you and plant you
into the center of relevance in my life, lets share the blessing.

If you find yourself interested in working with me, please do respond to my
email positively, then I will initiate this process towards a quick
conclusion. It is necessary to inform you that under no condition should
you contact me via official channels, I will simply deny knowing you and
about this project. I repeat, I do not want you contacting me through our
official lines neither do I want you contacting me through my official
email account. Contact me only through this email. 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, please observe this instruction
religiously.

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 I shall
have the pleasure of meeting you after this task has been completed.

I await your response with interest, to enable us to proceed with the
project.

Regards,
Elmira Fernandez