Transcription of Handwriting in EFTA00128973
Posted: Sat Mar 28, 2026 4:24 am
{Page 1}
9/30/2021
Anti financial crime - DWS subsides
investment management
for 1.5 [illegible]
for IPO
[illegible] DB - asset + wealth business, [illegible]
management
now DWS own entity; owned by
Deutsche
2014-now 5 years
[illegible] - same thing
2014 - for [illegible] Wayne
2017 - Maura Liconte[?]
now - Wayne [illegible]
during wealth mgt - time McNeil was
↑maura
wayne now reports
to Keith Falbeven[?] in Germany
{Page 2}
[illegible]
3 in NY, 4 in Florida
↑
Ying Wang - DWS
Kripa Aryal - yoga instructor
Robert Wang
FL - Michelle Gabriel
Tammy McFadden
Danya[?] Friedman
Kevin Wilson
then, Horace Swafford, then
Patricia Melo[?]
FL + NY worked together
{Page 3}
Transaction monitoring
[illegible]
wm - used prime
scenarios → different ones, etc.
who made parameters there already
now an analytics team since
global ultimately decides what high risk
is there on annual review
She did it once, sent it to Wayne,
no actual changes
recently a lot of changes when
analytics does it.
[illegible] - prime
cases - custom cases
{Page 4}
Alerts - CTR, 9,000
some were monthly, some were weekly, daily
assign to team to review
team would look at acct. and
look at KYC[?], negative news searches,
[illegible]
All in prime if fine - explained waved
if not → escalate to prime margin
in a [illegible]
[illegible]
to the [illegible] mailbox
prime would close it and [illegible]
it was escalated/confirmed
team meeting, [illegible] - they would
escalate, she would know about
it.
Sari/[illegible] unusual - cash activity
usually
maybe 5 or 6 [illegible] a year ish
{Page 5}
She was very active in prime
wasn’t really sure about bitcoin, [illegible]
she would talk to Wayne about her questions
concerns
activity was lower risk, not that
threshold was low
KYC then establishes risk, then that
criteria
a high risk client would be a pep.[?]
Cases
monthly basis - each customer had profile
on average if exceeded. the system generated
a case
each customer had a risk rating
high risk, very low threshold
She did manual pep review each month
{Page 6}
she would download all activity for peps
threshold was [illegible] for domestic
+ intl
not a feature of the system
created 30 or 40 cases a month
[illegible] the threshold - some review as
all other look at monthly activity
Ying was only one at first, then everyone
when they got busier
Dan Cullington or Tiffany belliju[?]
took over
most all in prime,
email was used during investigation, summary
was in prime
email would be attached to prime w
RM
she could comment in prime, could not
edit.
{Page 7}
she wouldn’t review their analysis before
it went into prime. unless questions.
no issue - closed, she then samples[?]
at end of month + go back if issues
about [illegible] of peps. 10% of alerts,
20% of high risk countries. already
established
no one in her side had access to
that mailbox
she has never seen [illegible],
more conservative approach, file a [illegible]
not high risk clients in WM
from what she has seen, no culture
of sweeping things under rug
{Page 8}
Tammy
difficult to manage, narcissist, didn’t
like criticism, didn’t get along
not good at job, she was ok.
she liked to manipulate things, the would
wait til [illegible] to be done
nothing more than what she was
told.
She could do monotonous things,
didn’t like to ask question, just used
internet + would use that.
She trusts her the least
I [illegible] said no [illegible]
she said it was.
{Page 9}
Kusher
[illegible] review to do - low $ to russia, less
than 4t. corporate acct.
[illegible] relationship to Trump she had
to review - Cherie.
Trump became a “covered” client
special access.
looked at godaddy site for someone in NH[?]
partial business name, etc.
she sent her to [illegible] they determined
a software developer, etc.
Cherie was [illegible] to Wayne, [illegible] and
was after Tammy
Just 1 time
she had issues prior to article
{Page 10}
he did right thing by escalating [illegible]
Epstein → she would have filed, can’t stand
him, nothing to file on. he was a pig
lawyer would take cash out 7,500/week
Darin Indyke
Dift names +
to women - models, were of age
can’t remember the [illegible] accounts
[illegibile] but [illegible] on Darin
{Page 11}
[illegible] was only [illegible]
Reputational - talk to Wayne. how do
we have this guy as a client
wayne agreed
wan’t her call
trying to [exit?] relationship b4 it hit paper
she thinks a reputational [illegible]
was just activity
looking back, maybe
no pressure, no instruction, free to do
her job
{Page 12}
[illegible] her predassor, Clarisa sent me
parameters
102 [reps?] - ying did all
one step before concluding review was attach
the statement
Ying would [illegible]
until the statement
Tammy made a stink, pain
she is trying to make a big deal
out of nothing. She didn’t like Ying.
Ying was overwhelmed, they should
have be finished [illegible]. the statement
stp was eventually eliminated
she [illegible] a lot
she cut slack when she shouldn’t
have
You can go in and look
at time stamps
{Page 13}
She escalated 1 case, no concerns raised
Reviews were steady but she wouldn’t promote
her
Kevin Wilson - Jkville
Benson -
[illegible] - no, eventually getting a
consultant + another person
no talking to press.
https://www.justice.gov/epstein/files/D ... 128973.pdf
9/30/2021
Anti financial crime - DWS subsides
investment management
for 1.5 [illegible]
for IPO
[illegible] DB - asset + wealth business, [illegible]
management
now DWS own entity; owned by
Deutsche
2014-now 5 years
[illegible] - same thing
2014 - for [illegible] Wayne
2017 - Maura Liconte[?]
now - Wayne [illegible]
during wealth mgt - time McNeil was
↑maura
wayne now reports
to Keith Falbeven[?] in Germany
{Page 2}
[illegible]
3 in NY, 4 in Florida
↑
Ying Wang - DWS
Kripa Aryal - yoga instructor
Robert Wang
FL - Michelle Gabriel
Tammy McFadden
Danya[?] Friedman
Kevin Wilson
then, Horace Swafford, then
Patricia Melo[?]
FL + NY worked together
{Page 3}
Transaction monitoring
[illegible]
wm - used prime
scenarios → different ones, etc.
who made parameters there already
now an analytics team since
global ultimately decides what high risk
is there on annual review
She did it once, sent it to Wayne,
no actual changes
recently a lot of changes when
analytics does it.
[illegible] - prime
cases - custom cases
{Page 4}
Alerts - CTR, 9,000
some were monthly, some were weekly, daily
assign to team to review
team would look at acct. and
look at KYC[?], negative news searches,
[illegible]
All in prime if fine - explained waved
if not → escalate to prime margin
in a [illegible]
[illegible]
to the [illegible] mailbox
prime would close it and [illegible]
it was escalated/confirmed
team meeting, [illegible] - they would
escalate, she would know about
it.
Sari/[illegible] unusual - cash activity
usually
maybe 5 or 6 [illegible] a year ish
{Page 5}
She was very active in prime
wasn’t really sure about bitcoin, [illegible]
she would talk to Wayne about her questions
concerns
activity was lower risk, not that
threshold was low
KYC then establishes risk, then that
criteria
a high risk client would be a pep.[?]
Cases
monthly basis - each customer had profile
on average if exceeded. the system generated
a case
each customer had a risk rating
high risk, very low threshold
She did manual pep review each month
{Page 6}
she would download all activity for peps
threshold was [illegible] for domestic
+ intl
not a feature of the system
created 30 or 40 cases a month
[illegible] the threshold - some review as
all other look at monthly activity
Ying was only one at first, then everyone
when they got busier
Dan Cullington or Tiffany belliju[?]
took over
most all in prime,
email was used during investigation, summary
was in prime
email would be attached to prime w
RM
she could comment in prime, could not
edit.
{Page 7}
she wouldn’t review their analysis before
it went into prime. unless questions.
no issue - closed, she then samples[?]
at end of month + go back if issues
about [illegible] of peps. 10% of alerts,
20% of high risk countries. already
established
no one in her side had access to
that mailbox
she has never seen [illegible],
more conservative approach, file a [illegible]
not high risk clients in WM
from what she has seen, no culture
of sweeping things under rug
{Page 8}
Tammy
difficult to manage, narcissist, didn’t
like criticism, didn’t get along
not good at job, she was ok.
she liked to manipulate things, the would
wait til [illegible] to be done
nothing more than what she was
told.
She could do monotonous things,
didn’t like to ask question, just used
internet + would use that.
She trusts her the least
I [illegible] said no [illegible]
she said it was.
{Page 9}
Kusher
[illegible] review to do - low $ to russia, less
than 4t. corporate acct.
[illegible] relationship to Trump she had
to review - Cherie.
Trump became a “covered” client
special access.
looked at godaddy site for someone in NH[?]
partial business name, etc.
she sent her to [illegible] they determined
a software developer, etc.
Cherie was [illegible] to Wayne, [illegible] and
was after Tammy
Just 1 time
she had issues prior to article
{Page 10}
he did right thing by escalating [illegible]
Epstein → she would have filed, can’t stand
him, nothing to file on. he was a pig
lawyer would take cash out 7,500/week
Darin Indyke
Dift names +
to women - models, were of age
can’t remember the [illegible] accounts
[illegibile] but [illegible] on Darin
{Page 11}
[illegible] was only [illegible]
Reputational - talk to Wayne. how do
we have this guy as a client
wayne agreed
wan’t her call
trying to [exit?] relationship b4 it hit paper
she thinks a reputational [illegible]
was just activity
looking back, maybe
no pressure, no instruction, free to do
her job
{Page 12}
[illegible] her predassor, Clarisa sent me
parameters
102 [reps?] - ying did all
one step before concluding review was attach
the statement
Ying would [illegible]
until the statement
Tammy made a stink, pain
she is trying to make a big deal
out of nothing. She didn’t like Ying.
Ying was overwhelmed, they should
have be finished [illegible]. the statement
stp was eventually eliminated
she [illegible] a lot
she cut slack when she shouldn’t
have
You can go in and look
at time stamps
{Page 13}
She escalated 1 case, no concerns raised
Reviews were steady but she wouldn’t promote
her
Kevin Wilson - Jkville
Benson -
[illegible] - no, eventually getting a
consultant + another person
no talking to press.
https://www.justice.gov/epstein/files/D ... 128973.pdf