I am Liu Chang, can you work with me on a business proposal for more info contact me asap
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Date: Thu, 19 Mar 2015 10:18:11 +0900 (KST)
From: "Mr. Chang" <info.lichg@foxmail.com>
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Subject: Business Proposal
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Hello CLIPPED, I am Mr. Liu Chang a branch manager at Wing Hang Bank Hong Kong; I am contacting you because my status would not permit me to do this alone as it is concerning our customer and an investment placed under our bank's management 6 years ago. I would respectfully request that you keep the contents of this mail confidential and respect the integrity of the information you come by as a result of this mail. I contacted you independently of our investigation and no one is informed about this communication. I would like to intimate you with certain facts that I believe would be of interest to you. In 2008, the subject matter; ref:bb/whb/bank/0012 came to our bank to engage in business discussions with our Private Banking Services Department. He (Adelard Raymond) informed us that he had a financial portfolio of 15 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. I encouraged him to consider various growth funds with prime ratings. The favored route in my advice to customers is to start by accessing data on 6000 traditional stocks and bond managers and 2000 managers of alternative investments. Based on my advice, we spun the money around various opportunities and made attractive margins for our first month of operation, the accrued profit and interest stood at this point at over 16.6 million United States Dollars, this margin was not the full potential of the fund but he desired low risk guaranteed returns on investments. In mid -2009, 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 had it deposited with a firm. I informed him that the 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 a 9.5 % 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 strict especially since the incidents of 9/11. I contacted my affiliate in and had the funds available. I undertook all the processes and made sure I followed his precise instructions to the letter and had the funds deposited in a security consultancy firm, the firm is a specialist private firm that accepts deposits from high net worth individuals and blue chip corporations that handle valuable products or undertake transactions that need immediate access to cash. This small and highly private organization is familiar especially to the highly placed and well-connected organizations. In line with instructions, the money was deposited. He told me he wanted the money there in anticipation of his arrival from Norway later that week. This was the last communication we had, this transpired around 9th August, 2009.
In January last year, we 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 the Wing Hang Bank Four days later, information started to trickle in, apparently he was dead. A person who suited his description was declared dead of a heart attack in Canne, South of France. We were soon enough able to identify the body and cause of death was confirmed.
The bank immediately launched an investigation into possible surviving next of kin to alert 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; 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, in this case; he died intestate.
The investigation did not ever yield any result. 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. 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 practice, the firm will by the end of this financial year broadcast a request for statements of claim to Wing Hang Bank, failing to receive viable claims they will most probably revert the deposit back to Wing Hang Bank. This will result in the money entering the Wing Hang Bank accounting system and the portfolio will be out of my hands and out of the Private Banking Services Department. This will not happen if I have my way.
What I wish to relate to you will 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...
MY PROPOSAL:
There is US$ 15,000,000.00 deposited with the security firm as I said earlier, I alone have the deposit details and they will release the deposit to no one unless I instruct them to do so. I alone know of the existence of this deposit for as far as Wing Hang Bank is concerned, the transaction with our deceased customer concluded when I sent the funds to the firm, all outstanding interactions in relation to the file are just customer services and due process. They are simply awaiting instructions to release the deposit to any party that comes forward.
This is the situation. This bank has spent great amounts of money trying to track this man's family; they have investigated for months and have found no family. The investigation has come to an end. My Proposal; I am prepared to place you in a position to give instruction for the release of the deposit to you as the closest surviving relation. Upon receipt of the deposit, I am prepared to share the money with you. 60% for me and 40% for you. That is: I will simply nominate you as the next of kin and have them release the deposit to you. We share the proceeds 60/40. I would have gone ahead to ask the funds been released to me, but that would draw a straight line to me and my involvement in claiming the deposit. I assure you that I could have the deposit released to you within a week. I will simply inform the bank of the final closing of the file relating to the customer. I will then officially communicate with the firm and instruct them to release the deposit to you. With these two things: all is done. The alternative would be for us to have the firm direct the funds to another bank with you as account holder. This way there will be no need for you to think of receiving the money from the firm. We can fine-tune this based on our interactions.
I am aware of the consequences of this proposal. I ask that if you find no interest in this project that you should discard this mail. I ask that you should not be vindictive and be destructive. If my offer is of no appeal to you, delete this message and forget I ever contacted you. Do not destroy my career if 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 the 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 once' way once in a lifetime. I cannot let this chance pass me by, for once, I find myself in total control of 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 let me know and let me move on with my life but do not destroy me. I am a family man and this is an opportunity to provide them 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 has blessed you with a name that has planted you into the center of relevance in my life. So let's share the blessings. If you find yourself able to work with me, contact me through my Email. If you give me positive signals, I will initiate this process towards a conclusion.
I repeat, I do not want you contacting me through my official phone lines nor do I want you contacting me through my official email account. I do not want any direct link between you and me. My official lines are not secured lines as they are periodically monitored to assess our level of customer care in line with our Total Quality Management Policy.
I await your response.
Mr. Liu Chang
Branch Manager
Wing Hang Bank
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Dear CLIPPED,
I want to thank you very much for your concern to this matter. Before we proceed it is good for us to know ourselves so I will like to welcome this lasting relationship with a brief introduction of my person. I will also want you to please respond back in a like manner if it will be possible because it is important that I know in totality the personality upon whom I transact this deal with before I come over for us to meet in person.
BIO DATA:
Liu Chang, is a subject of biographical record whose publications inclusion in which is limited to individuals who have demonstrated outstanding achievement in their own fields of endeavor and who have thereby contributed significantly to the betterment of contemporary society. Occupation: international business executive, educator, author and banker.
Joined the Board since October 2010
Other positions held within Hang Seng Group
Wing Hang Bank Limited - Head of Operation
Wing Hang Bank Limited Note - Member of Executive Committee
Wing Hang Asset Management Pte Ltd - Director
Wing Hang Bullion Company Limited - Director
Wing Hang Indexes Company Limited - Member of Wing Hang Index Advisory Committee
Wing Hang Insurance Company Limited - Director
Wing Hang Investment Management Limited - Director and General Manager
Wing Hang Investment Services Limited - Director
Wing Hang Life Limited - Director
Wing Hang Securities Limited - Executive Director
Other Major Appointments
Justice of the Peace
Central Policy Unit of HKSAR Government - Associate Member
HKSAR Government Environment Bureau - Member of Energy Advisory Committee
Hong Kong Institute of Certified Public Accountants - Lay Member of the Council
Hospital Authority - Board Member
Independent Commission on Remuneration for Members of the Executive Council and the Legislature, and Officials under the Political Appointment System of HKSAR Government - Member Industrial Bank Co., Ltd.
Note - Director; Member of Strategic Committee; Member of Remuneration and Evaluation Committee
Labour Department - Member of the Protection of Wages on Insolvency Fund Board
Securities and Futures Commission - Member of Products Advisory Committee
The Community Chest of Hong Kong - Board member
The Hong Kong Mortgage Corporation Limited - Director
The Liaoning Shenyang Committee of the Chinese People’s Political Consultative Conference - Member
Treasury Markets Association - Member of the Executive Board
Past Major Appointments
Business Facilitation Advisory Committee - Non-official member (2009 - 2013)
The Federation of Hong Kong Industries - Member of General Committee (2007 - 2013)
Central Policy Unit of HKSAR Government – Pan-Pearl River Delta Panel - Member (2011 - 2012)
Hong Kong Trade Development Council - Member of the Financial Services Advisory Committee (2008 - 2012)
Wing Hang Bank Limited Note
- Executive Director and Head of Treasury and Investment (2011 - 2012);
General Manager and Head of Treasury and Investment (2009 - 2011);
- General Manager and Head of Investment and Insurance (2008 - 2009);
- Deputy General Manager and Head of Investment and Insurance (2006 - 2008)
Securities and Futures Commission - Member of Process Review Panel (2006 - 2012)
DBS Bank (Hong Kong) Limited - Managing Director, Advisory Sales, Greater China, Wholesale Banking - Global Financial Markets (2002 - 2006)
Commonwealth Bank of Australia, Hong Kong Branch Note - Treasurer and Head of Capital Markets, Asia (1996 - 2002)
The Hongkong and Shanghai Banking Corporation Limited - Head of Hong Kong Dollar Markets (1991 - 1996)
Qualifications
Bachelor of Arts Degree - The University of Hong Kong
Honorary Fellowship - Lingnan University
DOB: Born in Nov 22nd 1969
Religion: Christian (Pentecostal Church of God).
Family: Married to Janet Hu in 1999 with a son and a daughter in accordance to Chinese birth control.
Address: No. 212 Wang Yuen Street, Kowloon Bay, Hong Kong.
My official lines are not secured lines as they are periodically monitored to assess our level of customer care in line with our Total Quality Management Policy. This is one problem in being a top banker so you can reach me through my personal mobile number: +85281760957, please keep it safe but it is not always on.
Please endeavor to keep my details confidential and also send to me your details and a scanned copy of any form of your identity card. I want you to note that it is only in total trust and partnership that we can commence and conclude the project successfully.
I await your response.
Best Regards,
Liu Chang
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Subject: Dear CLIPPED Bio Data
Hello CLIPPED,
Thank you very much for your email response and your enthusiasm to assist me in this project. I have exhaustively considered your response today and I am satisfied that you have an understanding of the need for absolute secrecy in this pending project, hence my firm belief that I can count on your total support and confidentiality. I would proceed without any reservation to bring you into the complete picture of this transaction. Before doing this, I would again like to reiterate the importance of confidentiality, as I am a career banker who is still in active service and would not like my name to be brought to odium or my long tenure in office jeopardized.
The money to be transferred in this project is $15,000,000.00 USD and we will be sharing in the percentage of 40% for you and 60% for me at the conclusion of the business. In searching for a reliable partner for the purpose of this transaction, I have contacted you personally not as a matter of choice but of necessity knowing fully well, the monetary policies as regards funds transfer especially after the event of September 11th in United States of America.
I will be fully conscious in the pursuit of this project to make sure that we do not go against any local or international laws of funds transfer. You must understand that I am a family man and presently still serving here in the Wing Hang Bank LTD. Now that I have gotten your details as documented, I will be able to place together all documentation in your name to prove to the authority that you are truly the next of kin/beneficiary to the estate and I will also have the Probate Document signed at the Court.
As soon as all these are done and ratification exercise takes place which we must surely scale through as I will make a lot of under the table arrangement here, I will place an application of claim in your name for the release of the funds. As soon as we have concluded with this arrangement using an international clearing agent, you will then have to open up a separate bank account in your name. This bank will serve as an intermediary between your bank and the Wing Hang Bank (WHB).
The aim of the intermediary bank is to receive the funds from the Wing Hang Bank and from there you can have the entire funds transferred into any of your chosen bank account in your country. With this arrangement, even if there has to be a loop hole in what we have done so far the funds cannot be traced. This special bank which I will introduce to you is specialized in this aspect. They assist business men alike who do not want the heavy load of tax to eat into their fund, they also assist government official in taking funds out of our country without due attention from any authority. You will get to know more about this as we have both accepted to be partners in this venture.
This will be your RESPONSIBILITY; To pay for the opening of your off-shore oversea account and I will have to perfect the rest of the arrangements here. The account you have are account from regular banks they cannot serve the purpose here. You will begin to understand and appreciate this idea as we have commenced process on this transaction. It is all going to be a bank to bank affair so you do not need to worry in as much as you follow my words as religiously as possible.
I am afraid that anyone can make away with my entire funds once it gets to his/her possession. But you have proven to me that you are 100% TRUSTWORTHY which is the topmost priority, I want you to please make me believe in you that you will not let me down. I am a gentleman of honor who has this opportunity and will not let it go having worked in this sector for several years. This is my only opportunity and I will not toy with it. I want to re-assure you that I know what I am doing and to the best of my knowledge, the entire project is legitimate and very risk free in as much as we observe high level of confidentiality and treat this matter accordingly with the two of us sharing ideas and not missing words.
If you have further knowledge on how we can go about this matter let us then open the room for discussion and let us deal with this matter totally. I await further response from you and please expect a mail from me by Tuesday with further instructions on this transaction.
Regards,
Liu Chang
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Dear CLIPPED,
I have already made discrete inquiries as to the best way to move these funds from here. Due to the financial laws have been tightened and I will not want anything to happen to either one of us or the funds, so this is what I need you to do.
You are to immediately make contact with one of the private institution that I know to be very proficient in handling such transaction. I know this as I have inside knowledge as someone who has been in this sector for a longtime and I have done my investigation well on the offshore financial institution.
The institution is affiliated with my bank and any transfer to this bank will seem like an in house transfer. They will also be given the credit advice to settle the estate. Please, you have to send the bank an email today requesting information as regards the requirements needed to transfer funds in their bank.
As soon as you have done this feel free to call the contact person on telephone during official working hours and further make your inquiry. You will have to perfect this arrangement as soon as possible as the International Remittance Department of the (WHB) will request the offshore banking detail as soon as the ratification exercise is over.
On the letter to the bank also state your contact details, that is your telephone numbers and fax numbers, as they may be very busy to respond on time via emails.
BANK DETAILS BELOW
Bank Name: Santander Bank Plc, UK.
Bank Email: accounttransfer@uk-santandbnk.com
Assigned Head: Mr.Renald Gilfford
Telephone: +447440108665
Operations Manager-In charge
Open an account, which we shall use as our intermediary point to transfer the money. From my investigations this bank is very solid and maintains very high level of confidentiality, which is an essential key to success in this transaction. Please send the bank an email and place a call through immediately to open up an offshore transit account with this bank.
Thank you for your positive resolve to affect our lives.
Thanks,
Liu Chang
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Santander Bank UK.
Carlton Park Narborough, Leicester
LE19 0AL, United Kingdom
(Direct Phone) +44 744 010 8665
Email: accounttransfer@uk-santandbnk.com
Your Ref: STB/T27008T/15
Date: 26/03/2015
Dear Valued Customer / CLIPPED,
We acknowledge receipt of your mail, The Premium Account initial opening deposit is £4,900.00 GBP which is equivalent to $ 7,312.52 US Dollars
I await your reply. Do have a nice day ahead.
Yours in service,
Mr. Renald Gilfford.
Operations Manager-In charge,
International and foreign Matters
==================================================================================================================================
This email may contain confidential information and/or attached documents that are legally privileged by Santander Bank UK or its affiliates. Such information is intended only for use by the intended recipient(s). If you are not an intended recipient, you are required to notify the sender of the transmission error. Any unauthorized disclosure, copying, distribution of the contents of this email in any way is strictly prohibited.
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ONE FAKE DOCUMENT:
PHONE NUMBERS:
+85281760957
Number billable as universal access number
Country or destination Hong Kong
City or exchange location
Original network provider* Hutchison Global Communications Ltd
+447440108665
Number billable as mobile number
Country or destination United Kingdom
City or exchange location
Original network provider* Lycamobile UK Limted
