Transcription of Handwriting in EFTA00128973-EFTA00128985
Posted: Fri Apr 24, 2026 7:48 pm
{Page 1 - EFTA00128973}
Anti financial crime - DWS sub[illegible]
investment management
for 1.5 [illegible]
2012 IPO
when DB - asset + wealth business, [illegible]
management
Nov 2005 own entity; owned by
Deutsche
2014 - now, 5 years
[illegible] - some thing
2014 - for [illegible] Wayne
2017 - Maura Liconte
now - Wayne [illegible]
during wealth mgt - Tim McNeil was
maura
wayne now reports
to Keith Falberg[?] in Germany
{Page 2 - EFTA00128974}
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 swatford, then
patricia mulo[?]
FL + NY wanted together
{Page 3 - EFTA00128975}
- transaction monitoring
[illegible]
wm - used prime
scenarios > different ones, etc.
who made parameters, there already,
now on analytics team since
global ultimately decides what high risk
is, there is an annual review
She did it once, sent it to Wayne,
no actual changes
recently a lot of changes when
analytics does it.
clients - prime
cases - custom cases
{Page 4 - EFTA00128976}
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
then their
all in prime if fine - explained, waved
if not > escalate to
in a saif
[illegible] activist [illegible] form
to the suit mailbox
prime would close it and make
it was escalated/confirmed
team meeting, etc - they would
escalate, she would know about
Sari[?] [illegible]/ unusual - cash activity
usually
Maybe 5 or 6 saif[?] a year ish
{Page 5 - EFTA00128977}
she was very active in prime
wasn't really sure about bitcoin, [illegible], etc
she would talk to Wayne about her questions
+ concerns
KYC team 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 - EFTA00128978}
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
broke 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 Bell[illegible]
took over
most all in prime,
email was used during investigation, summary
was in prime
email would be attached to prime co
rm
she could comment in prime, could not
edit.
{Page 7 - EFTA00128979}
she wouldn't review their analysis before
it went into prime. unless questions
no issue - closed, she then [illegible]
at end of month + go back if issues
about 50% 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 [illegible]
more conservative approach, file a SAIF
not high risk clients in WM
from what she has seen, no culture
of sweeping things under rug.
{Page 8 - EFTA00128980}
Tammy
difficult to manage, narcicist [sic], didn't
like criticism, didn't get along
not good at job she was ok.
she liked to manipulate things, they would
wait til end 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 used that
she trusts her the least
1 where Tammy said no structuring
+ she said it was
{Page 9 - EFTA00128981}
Kushner
pep review to do - low $ to Russia, less
than 4K, 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 rm, they determined
a software developer, etc
Cherie was [illegible] to Wayne [illegible]
was after Tammy
Just 1 time
she had issues prior to article
{Page 10 - EFTA00128982}
she did right thing by escalating [illegible]
Epstein - she would have [illegible], can't stand
him, nothing to file on. he was a pic
lawyer would take cash out 7,500/week
Darin [sic] Indyke
diff names +
to women - models, were of age
can't remember to [illegible] accts.
GR's [illegible], but [illegible] on Darin
{Page 11 - EFTA00128983}
Suit box was only [illegible]
reputational - talk to wayne, how do
we have this guy as a client
wayne agreed.
wasn't her call
trying to [illegible] relationship b4 it hit paper
she things a reputational is [illegible]
was just activity
looking back, maybe
no pressure, no instruction, free to do
her job
{Page 12 - EFTA00128984}
[illegible] her predacessor - [illegible]
parameters
102 reps - Ying did all
one step before concluding review was attach
the statement
Ying would [illegible] then
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 [illegible]
have be finished guides the statement
step was eventually eliminated
she relied on him a lot
she cut slack when she shouldn't
have
You can go in and look
at times stamps.
{Page 13 - EFTA00128985}
she escalated 1 case, no concerns missed
reviews were steady but she wouldn't promote her
Kevin Wilson - [illegible]
Benson -
resources - no, eventually getting a
consultant + another person
no talking to press
https://www.justice.gov/epstein/files/D ... 128973.pdf
Anti financial crime - DWS sub[illegible]
investment management
for 1.5 [illegible]
2012 IPO
when DB - asset + wealth business, [illegible]
management
Nov 2005 own entity; owned by
Deutsche
2014 - now, 5 years
[illegible] - some thing
2014 - for [illegible] Wayne
2017 - Maura Liconte
now - Wayne [illegible]
during wealth mgt - Tim McNeil was
maura
wayne now reports
to Keith Falberg[?] in Germany
{Page 2 - EFTA00128974}
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 swatford, then
patricia mulo[?]
FL + NY wanted together
{Page 3 - EFTA00128975}
- transaction monitoring
[illegible]
wm - used prime
scenarios > different ones, etc.
who made parameters, there already,
now on analytics team since
global ultimately decides what high risk
is, there is an annual review
She did it once, sent it to Wayne,
no actual changes
recently a lot of changes when
analytics does it.
clients - prime
cases - custom cases
{Page 4 - EFTA00128976}
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
then their
all in prime if fine - explained, waved
if not > escalate to
in a saif
[illegible] activist [illegible] form
to the suit mailbox
prime would close it and make
it was escalated/confirmed
team meeting, etc - they would
escalate, she would know about
Sari[?] [illegible]/ unusual - cash activity
usually
Maybe 5 or 6 saif[?] a year ish
{Page 5 - EFTA00128977}
she was very active in prime
wasn't really sure about bitcoin, [illegible], etc
she would talk to Wayne about her questions
+ concerns
KYC team 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 - EFTA00128978}
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
broke 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 Bell[illegible]
took over
most all in prime,
email was used during investigation, summary
was in prime
email would be attached to prime co
rm
she could comment in prime, could not
edit.
{Page 7 - EFTA00128979}
she wouldn't review their analysis before
it went into prime. unless questions
no issue - closed, she then [illegible]
at end of month + go back if issues
about 50% 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 [illegible]
more conservative approach, file a SAIF
not high risk clients in WM
from what she has seen, no culture
of sweeping things under rug.
{Page 8 - EFTA00128980}
Tammy
difficult to manage, narcicist [sic], didn't
like criticism, didn't get along
not good at job she was ok.
she liked to manipulate things, they would
wait til end 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 used that
she trusts her the least
1 where Tammy said no structuring
+ she said it was
{Page 9 - EFTA00128981}
Kushner
pep review to do - low $ to Russia, less
than 4K, 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 rm, they determined
a software developer, etc
Cherie was [illegible] to Wayne [illegible]
was after Tammy
Just 1 time
she had issues prior to article
{Page 10 - EFTA00128982}
she did right thing by escalating [illegible]
Epstein - she would have [illegible], can't stand
him, nothing to file on. he was a pic
lawyer would take cash out 7,500/week
Darin [sic] Indyke
diff names +
to women - models, were of age
can't remember to [illegible] accts.
GR's [illegible], but [illegible] on Darin
{Page 11 - EFTA00128983}
Suit box was only [illegible]
reputational - talk to wayne, how do
we have this guy as a client
wayne agreed.
wasn't her call
trying to [illegible] relationship b4 it hit paper
she things a reputational is [illegible]
was just activity
looking back, maybe
no pressure, no instruction, free to do
her job
{Page 12 - EFTA00128984}
[illegible] her predacessor - [illegible]
parameters
102 reps - Ying did all
one step before concluding review was attach
the statement
Ying would [illegible] then
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 [illegible]
have be finished guides the statement
step was eventually eliminated
she relied on him a lot
she cut slack when she shouldn't
have
You can go in and look
at times stamps.
{Page 13 - EFTA00128985}
she escalated 1 case, no concerns missed
reviews were steady but she wouldn't promote her
Kevin Wilson - [illegible]
Benson -
resources - no, eventually getting a
consultant + another person
no talking to press
https://www.justice.gov/epstein/files/D ... 128973.pdf